Unlock your Vietcombank card with these 4 simple and quick methods in 2024

Your Vietcombank card is locked and you don’t know how to unlock it. Follow the shares below, you will know 4 simple ways to unlock Vietcombank cards.

Why is the Vietcombank card locked?

Before learning how to unlock a Vietcombank card, let’s go through the reasons why a Vietcombank card is locked. There are 7 main reasons as follows:

• Expired card: In fact, each Vietcombank card is issued with a validity period of 3 – 5 years. After that period, your card is considered expired and the bank will automatically lock the card if it does not receive a renewal request or a request for a new card from the customer.

• Incorrect PIN entered multiple times: With a Vietcombank card, if you enter the wrong PIN 3 times, the card will be automatically locked. This is to ensure the card’s security, prevent misuse by malicious individuals. Therefore, if you do not remember the PIN, you should not try to guess it, instead, go to the bank to request a password change.
• Transactions at non-Vietcombank ATMs: In Vietnam, there are many banks, some of which are not linked to Vietcombank. In this case, if you use a Vietcombank card to make transactions at non-linked ATMs, the card will be locked. In some cases, the ATM may even “swallow” the card and it may take 2 – 3 days to retrieve the card.
• Inactive card: If your card has not been used for a long period of time (about 1 year), Vietcombank will automatically lock the card to ensure security.

• Bank card error: Many customers use ATM cards but do not keep them well, resulting in the magnetic stripe being damaged. In this case, the system will not record transaction information and the card will be locked.
• Vietcombank card locked at the request of authorities: For example, if a Vietcombank cardholder is being investigated in a financial case, the authorities may request the bank to freeze the card for investigation purposes. In this case, the bank will lock the card without notifying or obtaining the customer’s consent.
• Customer request: Another reason is customer demand. In cases where the cardholder loses their Vietcombank card to prevent irregular transactions and protect their assets, many people proactively contact the bank to lock the card to ensure the security of their account.

4 simple ways to unlock Vietcombank cards

If your Vietcombank card is locked, you can apply one of the following 4 methods to unlock it.

1. Unlock Vietcombank card on VCB Digibank app

Currently, most banks have released a Mobile Banking app to support customers in managing their accounts and conducting transactions quickly and conveniently. VCB Digibank is the Mobile Banking app of Vietcombank.

You can unlock your Vietcombank card with just a few simple steps on the VCB Digibank app as follows:

Step 1: First, you need to download the VCB Digibank app to your smartphone.

• Download link for Android: Here.
• Download link for iOS: Here.

Step 2: Log in to your account by entering your password and clicking Login.

Step 3: On the home screen, scroll down and select Card service management > Select Other card services.

Step 4: Select Unlock card.

Select Card information:

• In the Card type section, select either Credit card or Debit card.
• In the Card number section, select the card number of the card you want to unlock.

Then, check the box of the line I have read, understood,… to confirm your agreement and commitment to comply with the terms > Click Continue.

Step 5: Review the information and select the authentication method as SMS OTP > Click Confirm.

Step 6: Immediately, you will receive an OTP authentication code on the registered phone number of VCB Digibank, enter the code into the system and click Confirm.

At this time, the screen will display a notification informing that the Vietcombank card has been successfully unlocked.

Note: To perform this method, you need to register for Vietcombank’s Internet Banking service to be provided with a login account. If you are not sure, you can refer to the article: How to register for Vietcombank Internet Banking on your phone.

2. Unlock Vietcombank card on VCB Digibank website

If you are using a computer or do not want to download the VCB Digibank app to your phone, you can perform the steps on the website platform. It also integrates almost all the features of the app, including the feature to unlock Vietcombank cards.

The steps on the website are as follows:

Step 1: In the web browser of your device, access the VCB Digibank website at this address, then enter your Username, Password, and Verification code and click Login.

Step 2: Similarly, after successful login, under Card service management, select Other card services.

Step 3: Select Unlock card in the list of features under Other card services.

Step 4: Select the Card type (Debit card/Credit card) and Card number, then check the box to agree to the terms and conditions > Click Continue.

Step 5: Double-check the information. In the Authentication method section, select SMS OTP and enter the phone number to receive the OTP code.

Enter the Verification code and then click Confirm.

Step 6: When you receive the OTP code sent by Vietcombank to your phone, enter the code accurately into the system.

Immediately, the screen will display a notification informing that the Vietcombank card has been successfully unlocked.

3. Contact Vietcombank hotline

If you do not have a device connected to the Internet to unlock your Vietcombank ATM card online, you can contact Vietcombank hotline at 1900 5454 13 for assistance.

Please prepare your personal information such as full name, ID card number, and your Vietcombank ATM card number to receive the fastest support from the hotline operator. When receiving a customer’s request, the hotline operator will check and notify you of the reason why your Vietcombank card is locked and help you unlock it immediately.

Note:

• The Vietcombank hotline operates 24/7 to support customers in a timely manner whenever needed.
• When contacting the hotline, please use the phone number registered with your Vietcombank account for easier support.

4. Unlock Vietcombank card at the bank counter

The last way to unlock Vietcombank cards is to go directly to the nearest Vietcombank branch/transaction office. This method is simple but it takes time and effort to travel to the counter. Additionally, you also need to visit during the bank’s business hours, otherwise, you will not be supported.

Step 1: Bring personal identification documents such as ID card, Passport to the nearest Vietcombank branch/transaction office.

Step 2: When meeting a bank teller, state your request to unlock the Vietcombank card and you will be provided with a form to fill in the information.

Step 3: After filling out the form, submit it to the teller along with your ID card for verification.

Step 4: After confirming that you are the cardholder, the bank staff will check and report the reason why your Vietcombank card is locked and propose a solution.

• If you entered the wrong PIN, you will be issued a new password.
• If the card is locked at the request of authorities, you will not be able to unlock the card until the case is resolved and authorized by the authorities.

Frequently asked questions about unlocking Vietcombank cards

In addition to the methods to unlock Vietcombank cards, there are still many common questions regarding this issue. Below are some frequently asked questions and their answers:

How to know if the Vietcombank card is locked?

In fact, many people do not know how to determine if their Vietcombank card is locked. If you are also unsure, you can check in one of the following 4 ways:

• Contact the Vietcombank hotline at 1900 5454 13 to have the hotline staff check and notify you.
• Check online on the VCB Digibank app or website.
• Check the card status at Vietcombank ATMs or at ATMs of linked banks.
• Go directly to the Vietcombank counter to have the bank teller help you check the status of your ATM card.

Is there a fee to unlock Vietcombank cards?

The answer is NO. Vietcombank does not charge any fees for unlocking Vietcombank cards. However, if your card is damaged, lost, or expired and you want to be issued a new card with the same account, you will have to pay a fee of 50,000 VND/card.

How long does it take to unlock a Vietcombank card?

This depends on the method you apply. If you unlock the card online on the VCB Digibank app or website and follow the instructions provided by FPT Shop, it will take about 5 minutes.

If you unlock the card at the counter, it will take more time due to travel and waiting time, especially when there are many customers at the bank. The time for procedures, form filling, and verification is about 20 – 30 minutes.

If you want to be issued a new Vietcombank card with the same account, you will have to wait 2 weeks to receive the new card.

Is it possible to unlock Vietcombank cards via SMS?

Currently, Vietcombank does not support unlocking ATM cards via SMS. Therefore, you can only apply one of the 4 methods shared by FPT Shop above.

Conclusion

Above are the reasons why Vietcombank cards are locked as well as detailed instructions for 4 ways to unlock Vietcombank cards. Each method has its own advantages and disadvantages, suitable for different customers. If you have a smartphone, it is best to unlock the card online for quick and convenient unlocking.

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