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VIETNAM STATE
BANK
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SOCIALIST REPUBLIC
OF VIETNAM
Independence – Freedom – Happiness
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No.
20/2016/TT-NHNN
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Hanoi, June 30,
2016
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CIRCULAR
ON
AMENDMENTS TO CERTAIN ARTICLES OF THE CIRCULAR NO. 36/2012/TT-NHNN DATED 28
DECEMBER 2012 ON THE INSTALLATION, MANAGEMENT, OPERATION AND SECURITY OF
AUTOMATED TELLER MACHINES AND OF THE CIRCULAR NO. 39/2014/TT-NHNN DATED 11
DECEMBER 2014 ON GUIDELINES FOR INTERMEDIARY PAYMENT SERVICES
Pursuant to the Law of Vietnam State Bank No.
46/2010/QH12 dated June 16, 2010;
Pursuant to the Law of Credit Institutions No.
47/2010/QH12 dated June 16, 2010;
Pursuant to the Electronic Transactions Law No.
51/2005/QH11 dated November 29, 2005;
Pursuant to the Government’s Decree No.
156/2013/ND-CP dated November 11, 2013 on the functions, missions, authority
and organizational structure of Vietnam State Bank;
Pursuant to the Government’s Decree No.
101/2012/ND-CP dated November 22, 2012 on cashless payment;
Pursuant to the Government’s Decree No.
35/2007/ND-CP dated March 08, 2007 on electronic banking transactions;
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Governor of Vietnam State Bank promulgates the
Circular on amendments to certain articles of the Circular No. 36/2012/TT-NHNN
dated December 28, 2012 on the installation, management, operation and security
of automated teller machines and of the Circular No. 39/2014/TT-NHNN dated
December 11, 2014 on guidelines for intermediary payment services.
Article 1. Amendments to
certain articles of the Circular No. 36/2012/TT-NHNN dated December 28, 2012 on
the installation, management, operation and security of automated teller
machines
1. Article 3 is amended as
follows:
“Article 3. Initial installation of an ATM
system
Providers of payment services, when installing an
ATM system (except mobile ATMs) for the first time, shall be responsible for:
1. Formulate the scheme for
installation, operation, maintenance and supervision of ATMs in order to
sustain the essential infrastructure, reserve system and management software in
conformity to technical requirements regulated by the State Bank for securing
of banks’ payment card service equipment, with the aim of smooth, stable and
safe operation of ATMs.
2. Formulate internal
regulations on information security, operational procedure, risk management,
maintenance, control and supervision of ATMs.
3. Plan and dispose rational
networks of ATMs in order to satisfy customers’ demand for withdrawal of cash.
4. Send the schemes and
documents prescribed in Clause 1, Clause 2, and Clause 3 this Article to
Vietnam State Bank (i.e. the Department of Payment) at least 15 days prior to
the commencement of installation works.”
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“Article 4. Installation, relocation,
re-scheduling and shutdown of ATMs
1. Providers of payment
services, when installing ATMs, shall be responsible for ensuring that the
location of ATMs is convenient, adequately lit and secure for customers to
carry out transactions. Moreover, electric power supplied to the booth and ATM
must be subject to national standards on electrical engineering and safety.
Furthermore, an ATM must be equipped with a backup power supply or be capable
of returning cards to customers automatically in order to avoid the retention
of customers’ cards upon in the ATM upon abrupt termination of the primary
power supply.
2. A provider of payment
services must send a written notice, as per Form No. 1 (for ATMs) or Form No. 2
(for mobile ATMs) enclosed to this Circular, to the relevant provincial branch
of the State Bank (referred to as the branch of the State Bank) 10 work days
prior to the installation, relocation, re-scheduling or shutdown of an ATM.
3. When an ATM is relocated to
a different province or city, the relevant provider of payment services must
notify the shutdown of such ATM in the former site and its installation in the
new site.
4. Every provider of payment
services must update the installation, relocation, retiming and shutdown of
ATMs on its ATM management system and official website.
5. Providers of payment
services shall fulfill requirements on installation and physical safety of ATMs
as per regulations of Vietnam State Bank on the security of banks’ payment card
equipment."
3. Clause 1, Clause 2, Clause
4 of Article 5 are amended and Clause 8 is added thereof as follows:
“1. ATM system shall be available to customers 24
hours a day and 7 days a week. The availability of ATMs installed at sites that
are only accessible to customers in certain hours shall be subject to the open
time of such sites. Available hours must be displayed publicly at the sites and
on the official website of the provider of payment services.
2. Dispose personnel to repair
malfunctioned ATMs in the fastest time possible. If an ATM fails to (or
expectedly ceases to) operate in over 24 hours, the relevant branch of the
State Bank must be informed in the work day succeeding the date of the
(expected) interruption to the ATM in over 24 hours. Moreover, customers must
be informed publicly via a suitable method.”
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“8. Fulfill technical requirements on ATMs’
software and connection lines as per regulations of Vietnam State Bank on the
security of banks' payment card equipment."
4. Article 6 is renamed and
Clause 1 and Clause 7 thereof are amended as follows:
"Article 6. Specific requirements for ATMs
1. The phone number and contact
address of the operator of an ATM must be displayed publicly at the site of
such ATM for customers' inquiries on transaction errors, formalities and review
time or their complaints.
Instruction or symbols of payment cards accepted by
an ATM must be shown at its site. Also displayed are the instruction for use of
the ATM, its name or code, its services and charges. Such information may be
exhibited in print or on the screen of the ATM.
“7. Providers of payment services shall not limit
each withdrawal at an ATM of below 5 million Vietnam dongs for internal
transactions and below 3 million Vietnam dongs for inter-bank transactions.”
5. Clause 3 of Article 7 is
amended and Clause 9 is added thereof as follows:
"3. Assign guards at ATMs or cooperate with
the lessors of the sites of ATMs or local security units to examine, supervise
and guard ATMs.”
“9. Fulfill other requirements for security and
safety of ATM systems as per regulations of Vietnam State Bank on the security
of banks' payment card equipment."
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“2. Providers of payment services, when deploying
mobile ATMs for the first time, shall be responsible for:
a) Formulate the scheme to furnish, operate,
maintain and supervise the mobile ATMs, which specifies activities (expected
services, customer type). The scheme must also indicate the total quantity of
mobile ATM trailers, number of ATMs in each trailer, coverage area and
available time.
b) Formulate internal regulations on information
security, operational procedure, risk management, maintenance, control and
supervision of mobile ATMs.
c) Send the schemes and internal regulations
prescribed in Point a and Point b of this Clause to Vietnam State Bank (i.e.
the Department of Payment) at least 15 days prior to the deployment.
d) Providers of payment services shall inform
Vietnam State Bank in writing of revisions to the scheme and internal
regulations prescribed in Point a and Point b of this Clause prior to the adoption
of such revisions."
"4. A provider of payment services shall
deploy mobile ATMs in conformity to the scheme it has sent to Vietnam State
Bank as per universal regulations on ATM.”
"7. On quarterly basis (by the 05th
of the first month of the following quarter), providers of payment services
must report their deployment of mobile ATMs via Form No. 4 enclosed to this
Circular.”
7. Point b, Clause 3 of
Article 11 is amended and Point d is added thereof as follows:
“b) Examine and supervise local mobile ATMs and
cope with violations: Examine all or some local ATMs on periodic basis or when
necessary and make ATM examination records as per Form No. 3 enclosed to this
Circular. Relevant providers of payment services' violations of this Circular,
when exposed shall be penalized intra vires.
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“d) On quarterly basis (by the 05th of
the first month of the following quarter), report the operations of the local
ATM network via Form No. 05 enclosed to this Circular.”
8. Clause 3 of Article 3,
Clause 2 of Article 6, Clause 3 of Article 9 and Form No.1, Form No. 2 and Form
No.3 enclosed to the Circular 36/2012/TT-NHNN are abrogated.
Article 2. Amendments to
certain articles of the Circular No. 39/2014/TT-NHNN on guidelines for
intermediary payment services
1. Clause 2 of Article 4 is
amended as follows:
“2. Non-bank organizations can apply for licensing
of their provision of one or some intermediary payment services as prescribed
in Article 2 of this Circular upon their fulfillment of requirements in Clause
2, Article 15 of the Decree No. 101/2012/ND-CP and any Government’s regulations
that amend or replace such requirements."
2. Clause 2 of Article 5 is
amended as follows:
"2. The application for licensing of the
provision of intermediary payment services is defined in Clause 2, Article 16
of the Decree No. 101/2012/ND-CP and any Government's regulations that
prescribe amendments or replacements."
3. Clause 6 of Article 3 is abrogated.
Article 3. Effect
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Article 4. Implementation
Chief of Office and Head of the Department of
Payment, Heads of relevant agencies of Vietnam State Bank, Directors of
provincial branches of the State Bank, Heads of Departments of Bank Inspection
and Supervision in Hanoi and Ho Chi Minh City, and General Director (Director)
of payment service providers shall be responsible for implementing this
Circular./.
p.p. GOVERNOR
VICE GOVERNOR
Nguyen Kim Anh
Form
No. 1
……..(1)……..
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No. ………..
Re: Installation/ relocation/ re-scheduling / shutdown of
the ATM
……(2) …….
[place], … … .... [date]
To: Branch of the
State Bank in ..... (2) .....
In accordance with our business activities, … (1) …
announces the installation/ relocation/ re-scheduling/ shutdown of the ATM in
the province/ city of… (2) … [place], as follows:
1. For the
installation/ shutdown of the ATM:
- Name or code of the ATM:
- Serial number of the ATM:
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- Address:
- Under the management of: ...(4)...
- Time of installation/
shutdown of the ATM:
- Time of operation: …(5)…
2. For
the relocation of the ATM:
- Name or code of the (old and
new) ATM:
- Serial number of the ATM:
- Type of ATM:
- Address (old and new):
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- Starting time of use of the
new site:
- Time of operation: …(5)…
3. For
the installation/ relocation of the ATM:
…(1) … has fulfilled regulations of the Circular on
installation, management, operation and security of automated teller machines:
+ Equipment of the ATM: (specify details; for
instance, surveillance camera; anti-skimming and anti-theft devices, etc.)
+ Electrical safety, backup power supply, essential
lighting: (specify)
+ Fulfillment of other regulations on installation,
management, operation and security of ATMs: (specify)
4. …(1)…
undertakes to:
- Be held liable for the
accuracy of this announcement.
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Recipient:
- As above:
- Department of Payment;
- Bank Inspection and Supervision Agency;
- Archive
LEGAL
REPRESENTATIVE
(sign and seal)
- Instruction for
filling:
(1): Name of the relevant provider of payment services,
which installs, relocates or shuts down the ATM.
(2): Name of the province/ centrally affiliated
city.
(3): Type of the ATM, e.g. Diebold, Wincor, etc.
(4): Name of the relevant provider of payment
services, which manages the ATM directly.
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Form
No. 2
……..(1)……..
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SOCIALIST REPUBLIC
OF VIETNAM
Independence – Freedom – Happiness
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No. ………..
Re: Deployment/ relocation/ re-scheduling / shutdown of
the mobile ATM
……(2) ……., … …
.... [date]
To: Branch of the
State Bank in ..... (2) .....
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1. For the deployment/
shutdown of the mobile ATM:
- Quantity of mobile ATMs
deployed/ shut down (number of trailers and of ATMs):
- Name or code of the mobile
ATM:
- Serial number of the mobile
ATM:
- Type of the mobile ATM: .(3)...
- Mobile ATM trailer's plate no:
- Under the management of: ...(4)...
- Services provided:
- Time of deployment/ shutdown
of the mobile ATM:
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- Location of operation/
shutdown: ...(6)...
- Time of operation: ...(7)...
2. For
the relocation/ re-scheduling of the mobile ATM:
- Name or code of the mobile
ATM:
- Serial number of the mobile
ATM:
- Type of the mobile ATM:
- Mobile ATM trailer's plate no:
- Under the management of: ...(4)...
- Time of re-scheduling/
relocation of the mobile ATM:
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- Time of operation (former
and new): ...(7)...
...…(1)… undertakes to:
- Be held liable for the
accuracy of this document.
- Deploy the mobile ATM at the
location and time as stated above.
- Abide by the Circular on
installation, management, operation and security of automated teller machines
and relevant legal regulations in strict manner. Organize and manage mobile
ATMs safely and smoothly and be held liable for all risks of the mobile ATMs./.
Recipient:
- As above:
- Department of Payment;
- Bank Inspection and Supervision Agency;
- Archive
LEGAL
REPRESENTATIVE
(sign and seal)
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(1): Name of the relevant provider of payment
services, which deploys, relocates, reschedules or shuts down the mobile ATM.
(2): Name of the province/ centrally affiliated
city.
(3): Type of the ATM, e.g. Diebold, Wincor, etc.
(4): Name of the relevant provider of payment
services, which uses the mobile ATM directly.
(5): Specify reason(s) for deployment of the
mobile ATM.
(6), (7): If the mobile ATM operates at various
sites, summarize the locations and operational time of the mobile ATM (i.e.
hour and date) at each site where the relevant provider of payment services
deploys the mobile ATM (presentable in table format).
Form
No. 3
VIETNAM STATE BANK
BRANCH IN … [Province/ City]
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…….… [place], …
… … [date]
ATM
EXAMINATION RECORD
Name of the provider of payment services:
Full name of the representative of the provider of
payment services ...................................... Position
..................................
Name or code of the ATM: ………………..
Manufacturer: ………..
Location of the ATM: ………
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Content of the examination: assess the ATM’s
fulfillment of requirements.
Result of the examination:
No.
Content of
examination
Fulfilled
Not fulfilled
Note
1
Camera
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2
Anti-skimming and anti-theft devices
3
Electrical safety (standard ground wire, cord,
electrical design, electrical leakage, etc.)
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4
Power source
(UPS, backup generator, etc.)
5
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6
Time of refill, cash availability
7
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Conclusion:
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EXAMINER
(sign and write full name)
Form
No. 4
NAME OF THE
REPORTER
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SOCIALIST REPUBLIC
OF VIETNAM
Independence – Freedom – Happiness
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No. …………
…….… [place], …
… … [date]
REPORT
ON THE DEPLOYMENT OF MOBILE ATM
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To: Department of
Payment - Vietnam State Bank
I. General data
No.
Mobile ATM
trailer's plate no
Name or code of
mobile ATM
Serial number
of mobile ATM
Branch
deploying mobile ATM
Location of
mobile ATM
Time of
deployment of mobile ATM (date)
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Transaction
value (million dongs)
1
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…
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2
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II. Data on transactions via mobile ATMs
Unit: Item/ million
Vietnam dongs
No.
Type of
transaction
Quantity
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1.
Transactions ensuing*
a.
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c.
d. Others
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Total
2.
Transactions reviewed or denounced
3.
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(*): Summarize transactions that
have been stated in the scheme for installation, operation, maintenance and
supervision of the mobile ATM (summarize financial transactions and exclude
transactions that do not change money such as inquiries, bank statement, etc.).
III. Deployment of mobile ATM
IV. Recommendation (if any).
Recipient:
- As above;
- Archive.
LEGAL
REPRESENTATIVE
(sign and seal)
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Form
No. 5
VIETNAM STATE BANK
AGENCY ….
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SOCIALIST REPUBLIC
OF VIETNAM
Independence – Freedom – Happiness
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…….… [place], …
… … [date]
REPORT
ON ATM OPERATIONS WITHIN AUTHORITY
QUARTER OF … YEAR OF …
To: Department of
Payment
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ATM operations; management, examination,
supervision of local ATMs; handling of violations:
a. Ensuring of the quality of ATM service
b. Securing of ATMs (specify any relevant matters).
2. Public opinion: complaints
via mass media in relation to local ATM service and remedial measures.
3. Difficulties and
recommendations.
Recipient:
- As above;
- Archive.
DIRECTOR
(sign and seal)
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