What is Ngan Luong e-wallet? Steps to register and top up your Ngan Luong account

Ngân Lượng Wallet is one of the most popular e-wallets that many people trust and use nowadays. With the convenient features provided by Ngân Lượng Wallet, you can easily make payments for various services, saving both time and effort.

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Ngan Luong Wallet supports users to make both international and domestic payments quickly and conveniently, without costing much and going through complicated procedures. In today’s article, FPT Shop will explore Ngan Luong Wallet with you.

What is Ngan Luong Wallet?

Ngan Luong Wallet is a type of e-wallet that was launched in 2009. This digital wallet allows individuals and businesses to send, transfer, or receive payments entirely online. The operations on Ngan Luong Wallet are evaluated to be fast, easy to understand, and have a relatively good level of security, ensuring the safety of users and businesses.

Similar to other types of digital wallets nowadays, Ngan Luong Wallet supports you to make online payments more effectively. Common payment methods include paying electricity bills, water bills, internet bills, and more. In addition, Ngan Luong Wallet can also be used for payment on many popular e-commerce platforms such as Shopee, Lazada, and more.

Currently, in Vietnam, Ngan Luong Wallet can be linked to more than 30 leading domestic and international banks such as Vietcombank, Dong A Bank, VIB Bank, SHB Bank, Techcombank, and more. This enables users to have more convenience and flexibility when using Ngan Luong Wallet on a regular basis.

Benefits of Ngan Luong Wallet

Benefits of Ngan Luong Wallet for buyers

The first thing you can notice about the benefits of Ngan Luong Wallet is that using this type of e-wallet brings many benefits in shortening the time for processing money transfers, payments, and receipts. The Ngan Luong Wallet platform is strong, with fast processing speed, which helps buyers save a lot of time and effort.

In addition, Ngan Luong Wallet also supports temporary payment to ensure the rights of users when shopping online, reducing the risk of fraud. This advantage of Ngan Luong Wallet also makes buyers feel more secure when using it.

Another reason why many people love Ngan Luong Wallet is that it does not charge fees from buyers, but only charges 1,000VND and 1% on the total value of certain transactions from sellers.

Complaints about the quality and services on Ngan Luong Wallet are also processed quickly with high security. It is very convenient and safe for users. As a buyer, when using Ngan Luong Wallet, you can top up your account through various methods such as top-up by scratch cards, top-up by payment cards, or via text message. When you want to withdraw money, it is quite simple and totally free of charge.

Benefits of Ngan Luong Wallet for sellers

For sellers using Ngan Luong Wallet, this digital wallet supports receiving money from buyers through online payment and transferring to the seller. The 0% payment policy of Ngan Luong Wallet with credit cards also somewhat promotes the operation of sellers, attracting more customers.

In addition, Ngan Luong Wallet also integrates with both domestic and international banks through Master/Visa cards. These cards will be integrated on the Ngan Luong Wallet application for convenient payment and transaction purposes.

Furthermore, Ngan Luong Wallet integrates the function of card swipe payments via MPOS, supporting convenient, diverse, and faster payment methods, increasing security for both sellers and buyers.

General fees of Ngan Luong Wallet

Currently, the fees of Ngan Luong Wallet include 3 types: top-up fees, payment fees, and transfer/withdrawal fees, specifically as follows.

Top-up fees on Ngan Luong Wallet

For domestic banks, Ngan Luong Wallet does not charge fees. If you are using a domestic bank and want to top up your Ngan Luong Wallet, it will be completely free. However, for some banks, there may still be certain fees, so you can refer to the information from your bank to see if it is linked to Ngan Luong Wallet.

Payment fees

For transactions using credit cards or top-up with international debit cards including Visa/MasterCard/JCB, the fixed fee is 5,500 VND.

For transactions using domestic banks, payments made at transaction counters, transfers via internet banking, or ATMs will be free of charge. However, for payment of bills online by ATM or fully online payment via an integrated internet banking account, there will be a fixed transaction fee of 1,760 VND.

Money transfer and withdrawal through Ngan Luong Wallet

In case you need to use Ngan Luong Wallet to transfer money from wallet to wallet, the fixed fee is 1,000 VND. In the case of withdrawing money from Ngan Luong Wallet to a bank account, you will not incur any costs.

Note: All the fees mentioned in this article are for reference only. To get the most accurate information, please contact Ngan Luong Wallet directly.

How to register and activate an account on Ngan Luong Wallet

Step 1: You proceed to open a Ngan Luong Wallet account by clicking on the following link: https://account.nganluong.vn/nganluong/login

Step 2: The screen displays 2 types of accounts, and you can follow to choose the type of account that suits your needs.

  • Personal account: This is a type of Ngan Luong Wallet account used for individuals or for shopping, paying electricity bills, receiving money from online business models, and more.
  • Business account: This is a type of account used for businesses, sales organizations, or fundraising organizations. If you are one of these cases, please register a business account.

Step 3: Fill in all the required information on the screen. After completing, click the Register button.

Step 4: The system will ask you to activate your Ngan Luong Wallet account through 2 methods: email or phone number.

  • Verification by email: You click on the activation link sent to the registered email and verify the remaining information to activate your account.

  • Verification by phone number: You will receive an OTP code sent to your phone. When this happens, you click Register and enter the OTP code. Then click Verify to successfully register your account.

Step 5: You log into the Ngan Luong Wallet system with the newly registered account. Click Account Management > Click Account Information > Click on the Self-Verify section.

At this point, you need to upload photos of both sides of your ID card/passport to prove your identity. The image file size should be below 500KB. When you are done, click Submit request. Ngan Luong Wallet will verify your account within 2 hours.

Note: The steps to register a Ngan Luong Wallet account described above may change depending on the requirements and issuance policies of the company. If there are any changes, you can follow the information from FPT Shop to learn more details.

How to link a bank account with Ngan Luong Wallet

Step 1: Log in to your Ngan Luong Wallet account.

Step 2: In the Ngan Luong Wallet administration screen, access the Account Management section > Click Bank Account > Click Add new and complete the process of adding an ATM card or bank account to Ngan Luong Wallet > Click Add new account to add the account you want.

In conclusion

Owning Ngan Luong Wallet is very convenient for payment, transfer, and receipt of money. We hope that through this article from FPT Shop, you have a better understanding of Ngan Luong Wallet as well as the registration and top-up steps on Ngan Luong Wallet.

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