The Co-opBank Napas Chip Card is a payment card issued by Co-opBank. Utilizing advanced chip technology and integrated with the Napas network, it enables individual customers to conduct fast, secure, and convenient transactions. Cardholders can use their cards within the available current account balance and/or overdraft limit to pay for goods and services, withdraw cash, make cash advances, and access banking utilities provided by Co-opBank and other commercial banks.
Extensive network
Co-opBank cards allow customers to perform cash withdrawals, internal and interbank transfers, balance inquiries, and PIN changes at Co-operative Bank of Vietnam ATMs and more than 20,600 NAPAS ATMs. In addition, they support payment for goods and services on over 741,000 acceptance devices (POS/mPOS) of nearly 50 banks nationwide.
Diverse transactions
Cash withdrawal, internal transfer, balance inquiry, and PIN change via POS devices installed at PCFs and Co-opBank transaction counters.
One-touch payment
With contactless chip technology, customers can perform small-value transactions quickly by simply tapping the card on a POS terminal.
Fast money transfer
Instant NAPAS 247 transfers via VietQR code.
Flexible overdraft limit
Up to VND 50 million, unsecured, with a maximum usage period of 12 months, meeting short-term spending needs promptly.
Cost savings and enhanced spending benefits
Thanks to preferential fee policies from Co-opBank and NAPAS, along with various attractive discount and cashback promotions when paying by card under promotional campaigns.
The overdraft service allows customers to spend beyond the available balance in their VND current account opened at the Co-operative Bank of Vietnam for a specified period, in order to promptly meet arising spending needs.
Target customers
Employees, civil servants, public officials, and workers at agencies and enterprises.
Overdraft limit
Up to VND 100 million per customer
Overdraft tenor: up to 12 months, subject to annual review
Utilities & benefits
Meets unexpected spending needs
Convenient and fast principal and interest repayment via cash deposits at counters, 24/7 interbank transfers, etc.
Interest is calculated based on the actual amount and number of days used, helping minimize costs
Low interest rates and simple procedures
Secure service with SMS and email balance change notifications
Usage of overdraft limit
Internal transfers at Co-opBank ATMs and more than 20,600 NAPAS member bank ATMs nationwide
Interbank transfers using card numbers at Co-opBank ATMs
Internal transfers via POS devices installed at PCFs and Co-opBank transaction counters
Payment for goods and services at over 188,000 POS terminals of more than 40 banks in the NAPAS network nationwide
