The Ultimate Guide to Upgrading Your ATM Card to a Chip-Enabled Card: Ensuring Seamless Transactions

Introducing the ultimate guide to seamlessly transitioning from an ATM card to a chip card. Stay tuned as we unravel the effortless steps to ensure a smooth transition, guaranteeing uninterrupted transactions. Elevate your card game and embrace the future of secure and convenient payments.

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As per the Circular No. 41/2018/TT-NHNN, today we will guide you on how to change from an ATM card to a chip-enabled card for free, to avoid any transaction disruptions.

1. How to Change Vietcombank’s Chip Card

Change the card directly at the bank

You can bring your ID card/Passport and ATM card to any Vietcombank branch and request to change to a chip card. Simply follow the instructions provided by the bank staff.

This method applies to all types of cards.

Change the card on VCB Digibank

If you have a debit card, you can change it on VCB DigiBank by following these steps:

Step 1 Access the VCB DigiBank application on your phone.

Step 2 Select Card Service Management, then choose Issue/Switch Debit Card, and finally, click on Register to switch to a chip-enabled debit card.

Select Card Service Management, then choose Issue/Switch Debit Card, and click on Register

Step 3 Next, fill in your card information and choose the Transaction Point and Card Pickup Point, then click Continue to complete the process.

Note: Once the registration process is completed and the system indicates success, you will not be able to cancel the request to switch to a chip-enabled card.

Fill in card information and choose Transaction Point and Card Pickup Point

2. How to Change Techcombank’s Magnetic Stripe Card to a Chip Card

Change the card directly at the bank

You can bring the necessary documents to any Techcombank branch or transaction office to request a card change.

Register on the F@st Mobile application

You can register on the F@st Mobile application and have the new chip card delivered to your home. Here’s how:

Step 1 Log in to the F@st Mobile application.

Step 2 Click on the Free Chip Card Change box, then select View Details and click on Register. If you don’t see the Free Chip Card Change option, choose the Card feature on the main screen and then click on Continue.

Free Chip Card Change -> View Details -> Register

Step 3 Next, select the new chip-enabled payment card you want to register, and click on Reissue. Review the information for accuracy and then click Send Registration.

Select new chip-enabled payment card -> Reissue -> Send Registration

Step 4 You will receive the results and information about the delivery method of your new chip card.

Receive results and information about the delivery method of the new chip card.

3. How to Change TP Bank’s Magnetic Stripe Card to a Chip Card

There are 3 ways to change your ATM card to a chip card with TP Bank.

Go to the bank directly

Bring your necessary documents and old card to any TP Bank branch or transaction office and request to change your card.

Go to the LiveBank 24/7 system

You can visit any TP Bank LiveBank 24/7 location and follow the system’s instructions to change your card.

Change your card at TP Bank LiveBank 24/7

Register on the TP Bank app

Step 1 Access the TP Bank app:

Step 2 Go to Card Management, select Lock Card, then choose Reissue Card and select either Receive Card at a Location or Receive Card at LiveBank.

After completing the registration, go to the TP Bank branch/transaction office or your chosen location to receive your new card.

Register on the TP Bank app

4. How to Change ACB’s Magnetic Stripe Card to a Chip Card

Visit the nearest ACB branch or transaction office to request a change from an ATM card to a chip-enabled card. ACB is currently offering a free card upgrade program until December 31, 2021.

Applicable cards:

  • Main/supplementary ACB Napas credit card
  • ACB Napas/Visa/Mastercard debit card
  • ACB Visa/Mastercard prepaid card using Magnetic Stripe Technology.

Visit the nearest ACB branch or transaction office to request a change to a chip-enabled card.

5. How to Change Sacombank’s Magnetic Stripe Card to a Chip Card

If you have a Sacombank Napas magnetic stripe card, you can change it for free to a Sacombank Napas chip-enabled card (current conversion fee: VND 49,000/card) from July 21 to December 20, 2021.

Each customer is only eligible for one free card conversion when visiting a Sacombank branch/transaction office and/or when receiving advice via SMS/email/phone call.

Applicable to Sacombank Napas payment cards opened under the Payroll package, financial policies for schools, Combo, and 4Student.

Note: Does not apply to domestically linked payment cards. Does not apply to customers who already own a Sacombank Napas chip-enabled card before the program period.

Change Sacombank’s magnetic stripe card to a chip card

6. How to Change Magnetic Stripe Cards to Chip Cards at Other Banks

Currently, you can visit Agribank, VP Bank, VietinBank, ABBank, Nam Á Bank, etc. to change your magnetic stripe card to a chip card. Remember to bring your ID card/Passport and old ATM card when visiting the bank to change to a new chip card.

Change magnetic stripe cards to chip cards at other banks

Note: Each bank has its own regulations and policies. For accurate information, please contact your bank directly for advice and support. Currently, only a few banks offer free card conversion, so be sure to check each bank’s program for detailed information.

The above are the methods to change from a magnetic stripe card to a chip card at various banks. Be sure to change your card promptly to avoid any transaction disruptions. Good luck!

Frequently asked questions

Chip-enabled cards provide a more secure and seamless transaction experience. They offer better protection against fraud and unauthorized transactions as the chip creates a unique transaction code that cannot be used again.

The chip in the card encrypts transaction information, making it more secure. When you insert your card into a chip-enabled terminal, the chip communicates with the terminal to authenticate and authorize the transaction. This process is more secure than traditional magnetic stripe cards, which simply read static information from the stripe.

Chip-enabled cards are becoming increasingly common worldwide. Many countries have already adopted this technology, and it is slowly becoming the new standard for secure transactions.

Upgrading to a chip-enabled card provides added security and peace of mind. It reduces the risk of fraud and ensures that your transactions are seamless and safe. Additionally, chip-enabled cards are widely accepted globally, making them convenient for international travelers.

You can contact your bank or financial institution to request an upgrade to a chip-enabled card. They will guide you through the process, which may involve replacing your current ATM card with a new chip-enabled one.

One minor inconvenience of chip-enabled cards is that the transaction process may take a few seconds longer than traditional magnetic stripe cards. This is because of the additional time required for the chip to encrypt and process the transaction data.

When using a chip-enabled card, you may be prompted to insert your card into the terminal and leave it there for the duration of the transaction. This is different from swiping, where you quickly swipe the card and remove it. Simply follow the instructions on the terminal for a smooth transaction.

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