The Co-opBank Napas Chip Card is a payment card issued by Co-opBank exclusively for staff and members of People’s Credit Funds (PCFs). The card is embedded with advanced chip technology, connected to the nationwide Napas network, and can be customized with PCF logos and identification details, helping enhance cohesion and brand recognition within the system.
Cardholders may use the card within the available balance of their current account and/or overdraft limit to conduct payment transactions, cash withdrawals, cash advances, and access services provided by Co-opBank and the Napas network in a safe and convenient manner.
Widespread Network
Co-opBank cards enable customers to perform cash withdrawals, internal and interbank transfers, balance inquiries, and PIN changes at Co-opBank ATMs and more than 20,600 ATMs within the Napas network. The card also supports payment for goods and services at over 741,000 acceptance devices (POS/mPOS) of nearly 50 banks nationwide.
Diverse Transactions
Perform transactions including cash withdrawals, internal transfers, balance inquiries, and PIN changes on POS terminals deployed at PCFs and at Co-opBank transaction counters.
One-touch Payment
With contactless chip technology, customers can quickly perform low-value transactions by simply tapping their card on a POS terminal.
Fast Fund Transfer
Napas 247 fast transfer via VietQR code
Account Opening Application Form
Debit Card Application Form
Valid ID Card / Citizen ID Card / Passport
How to apply
Customers can visit Co-opBank transaction points or affiliated People's Credit Funds to apply for card issuance.
The overdraft service allows customers to spend in excess of the available balance on their VND current accounts opened at Co-opBank for a specific period, in order to timely meet emerging spending needs.
Customer Eligibility
Applicable to staff, employees, and members of PCFs
Overdraft Limits
For PCFs:
PCF staff and employees: up to VND 250 million
PCF members: up to VND 20 million
Overdraft tenor: up to 12 months, subject to annual review.
Benefits
Meets customers’ unexpected spending needs.
Convenient and fast principal and interest repayment via various channels: over-the-counter cash deposits, 24/7 interbank transfers, etc.
Interest is calculated based on the actual utilized amount and days of usage, helping minimize costs.
Low interest rates, streamlined procedures.
Safe with SMS and email balance change notifications
Flexible use of overdraft limits
Internal transfers at Co-operative Bank ATMs and over 20,600 ATMs of Napas member banks nationwide.
Interbank transfers via card number at Co-opBank ATMs
Internal transfers via POS terminals installed at PCFs and Co-opBank counters
Payment for goods and services at more than 741,000 acceptance devices (POS/mPOS) of nearly 50 banks nationwide
Overdraft Limit Eligibility Criteria
For employees under labor contracts or those currently serving as members of the Board of Directors, Board of Management or full-time members of the Board of Supervisors of People Credit Funds:
Commitment to use salary income and other personal/family income sources to ensure repayment ability
Certification and commitment from the Director or Trade Union Chairman (if applicable) of the employing PCF confirming the borrower’s income will be used for loan repayment to the Co-operative Bank of Vietnam
For PCF members:
Having an existing credit relationship or regular deposit relationship (at least equivalent to the overdraft limit) with the PCF and being deemed creditworthy by the PCF
Commitment to use income sources to ensure repayment ability
Possessing a domestic payment card issued by the Co-operative Bank of Vietnam
