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THE STATE BANK
OF VIETNAM
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SOCIALIST
REPUBLIC OF VIETNAM
Independence – Freedom – Happiness
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No.: 48/VBHN-NHNN
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Hanoi, on
November 09, 2016
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CIRCULAR
ON
THE INSTALLATION, MANAGEMENT, OPERATION AND SECURITY OF AUTOMATED TELLER
MACHINES
The Circular No. 36/2012/TT-NHNN dated December 28,
2012 by the Governor of the State Bank of Vietnam on the installation, management,
operation and security of automated teller machines and coming into force as of
March 01, 2013 is amended by:
The Circular No. 20/2016/TT-NHNN dated June 30,
2016 by the Governor of the State Bank of Vietnam providing amendments to the
Circular No. 36/2012/TT-NHNN dated December 28, 2012 on the installation,
management, operation and security of automated teller machines and the
Circular No. 39/2014/TT-NHNN dated December 11, 2014 on guidelines for
intermediary payment services, and coming into force as of July 01, 2016.
The Circular No. 30/2016/TT-NHNN dated October 14,
2016 by the Governor of the State Bank of Vietnam providing amendments to
Circulars on provision of payment services and intermediary payment services,
and coming into force as of November 28, 2016.
Pursuant to the Law on the State Bank of Vietnam
No. 46/2010/QH12 dated June 16, 2010;
Pursuant to the Law on credit institutions No.
47/2010/QH12 dated June 16, 2010;
Pursuant to the Law on Electronic Transaction
No. 51/2005/QH11 dated November 29, 2005;
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Pursuant to the Government's Decree No.
96/2008/ND-CP on August 26, 2008 defining the functions, tasks, powers and
organizational structure of the State Bank of Vietnam ;
At the request of the Director of the Department
of Payment;
The Governor if the State Bank of Vietnam
promulgates this Circular to provide for the installation, management,
operation and security of automated teller machines (hereinafter referred to as
“ATMs”). 1,2
Article 1. Scope
This Circular deals with the requirements,
procedures, and responsibility for the installation, management, operation, and
security of ATMs.
Article 2. Regulated entities
This Circular is applicable to the providers of
payment services that have ATMs (hereinafter referred to as providers of
payment services) and other entities that get involved in the installation,
management, operation, and security of ATMs.
Article 3. Initial installation
of an ATM system 3
Providers of payment services, when installing an
ATM system (except mobile ATMs) for the first time, shall be responsible for:
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2. Formulating internal regulations on information
security, operational procedure, risk management, maintenance, control and
supervision of ATMs.
3. Planning and disposing rational networks of ATMs
in order to satisfy customers’ demand for withdrawal of cash.
4. Sending the schemes and documents prescribed in
Clause 1, Clause 2, and Clause 3 this Article to the State Bank of Vietnam (via
the Department of Payment) at least 15 days prior to the commencement of
installation works.
Article 4. Installation,
relocation, re-scheduling and shutdown of ATMs 4
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 working 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
the State Bank of Vietnam on the security of banks’ payment card equipment.
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Providers of payment services must:
1.5
Ensure that the 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.
2.6
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 working 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.
3. Maintain the customer care service 24 hours a
day and 7 days a week in order to serve their customers anytime.
4.7
Cooperate with switching organizations to maintain the continuity and safety of
inter-bank ATM transactions.
5. Monitor the cash fund of the ATM in order to
ensure that the ATM always has cash to satisfy the demand for cash withdrawal
of customers.
If an ATM is located in the urban area where the
cash-supplying units of the provider of payment services are available, the
provider of payment services must supply cash for that ATM in order to ensure
that the no-cash period of that ATM shall not exceed 04 work hours, or not
exceed 01 day if the cash is depleted after working hours. In other cases, the
providers of payment services must supply cash in order to ensure that the ATMs
are not depleted more than 08 working hours or 01 day if the cash is depleted
after working hours.
6. Monitor, discover, and timely resolve the failed
transactions, and ensure transactions must be handled accurately. Promptly
provide compensations for customers if the providers of payment services’
failures, mistakes, or accidents cause damage to customers.
7. Receive, resolve, or settle the complaints or
requests for checking from customers. With respect to internal ATM
transactions, the time limit for checking, settling complaints and response to
customers is 05 working days as from the date on which the complaints are
received. For the inter-bank ATM transactions (except for international
transactions), the time limit for checking, settling complaints and response to
customers is 07 working days as from the date on which the complaints are
received.
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Article 6. Specific
requirements for ATMs 9
1.10
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.
2. 11
(abrogated)
3. Symbols instructing how to insert a card into
the ATM must be displayed at the location of the card reader slot.
4. Both English and Vietnamese are displayed on the
ATM’s screen to serve customers’ transactions.
5. A receipt printed from the ATM must be clear and
legible, and may be printed in Vietnamese or English depending on each
customer’s selection. A receipt must contain all of the following information:
Name of the provider of payment services that installing the ATM, name or
number of the ATM, type, code, date, and time of the transaction, the
transacted amount, transaction fee, and ending balance (applicable to internal
transactions).
6. Ways to remind customers to take their cards or
cash after their ATM transactions must be implemented. If an ATM is set up to
give cash before the card, the provider of payment services must instruct its
customers to wait for a certain period of time to receive the dispensed cash
after the ATM returns their card, in case the cash is delayed because of the
slow connection.
7.12
Providers of payment services shall not limit each withdrawal at an ATM of
below VND 5 million for internal transactions and below VND 3 million for
inter-bank transactions.
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Transaction history recorded in the ATM log must be
clear and legible. The information in the ATM log must include: the name or
number of the ATM, the card number, the transaction code, the date and time of
transaction, the transacted amount, the number of each denomination of
dispensed cash. With respect to successful transactions, the ATM log must show
that cash has been dispensed from the machine.
The transaction data and history recorded in the
ATM log must be integral and kept in accordance with regulations of the law on
archives.
Article 7. Safety and security
of ATM transactions
Providers of payment services must:
1. Comply with current regulations on the safety
and security of the information technology system in banking activities. Keep
the data and information of customers confidential during the processing,
transmission, and storage of data.
2. Install monitoring cameras and devices to keep
the ATM information from being copied or stolen within 06 months from the entry
into force of this Circular.
Keep the pictures captured by the cameras for at
least 100 days. In case of request for checking or complaint or when it is
necessary to carry out an inspection to serve the investigation of the police
agency, such pictures must be provided and kept according to the prescribed
period of keeping requests for checking or complaints about the use of ATM
cards of customers.
3.13
Assign guards at ATMs or cooperate with the lessors of the sites of ATMs or
local security units to examine, supervise and guard ATMs.
4. Take measures for securing the PIN numbers and
preventing the PIN numbers from being copied or stolen when customers are
entering the PIN numbers at the ATMs.
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6. Provide and encourage the use of services of controlling
the transactions and account balance (such as SMS banking and internet banking
services) in order to help customers supervise their own accounts.
7. Provide information and cooperate with the
police and relevant organizations in the prevention of ATM-related crimes.
Investigate and handle the high-tech crimes, ATM theft, robbery, and vandalism.
8. Providers of payment services shall make
agreements and cooperate with each other in sharing information about
ATM-related crimes in order to promptly and efficiently take preventative
measures.
9.14
Fulfill other requirements for security and safety of ATM systems as per
regulations of the State Bank of Vietnam on the security of banks' payment card
equipment.
Article 8. Inspection and
maintenance of ATMs
Providers of payment services must:
1. Formulate and implement the plans for periodical
inspection and maintenance of ATMs.
2. Ensure the safety for the ATM and the cash
therein during the maintenance.
3. Pay attention to the electrical safety, the
prevention of fire and explosion during the inspection and maintenance of the
ATMs. Find and remove the devices that are illegally installed for the purpose
of stealing the card information.
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Article 9. Regulations on
mobile ATMs
1. Mobile ATMs are the ATMs that are able to be
regularly or periodically moved to one or some other sites to serve customers
within a certain period of time.
2.15
Providers of payment services, when deploying mobile ATMs for the first time,
shall be responsible for:
a) Formulating the scheme to install, 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) Formulating internal regulations on information
security, operational procedure, risk management, maintenance, control and
supervision of mobile ATMs.
c) Sending the schemes and internal regulations
prescribed in Point a and Point b of this Clause to the State Bank of Vietnam
(via the Department of Payment) at least 15 days prior to the deployment;
d) Informing the State Bank of Vietnam 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.
3.16
(abrogated)
4.17
A provider of payment services shall deploy mobile ATMs in conformity to the
scheme it has sent to the State Bank of Vietnam as per universal regulations on
ATMs.
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6. Providers of payment services shall take
measures to prevent the fake mobile ATMs, and guide their customers to identify
the real one.
7.18
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 by
using the Form No. 4 enclosed to this Circular.
Article 10. Information and
reports
1. Providers of payment services and branches of
the State Bank must make reports in accordance with regulations on reports and
statistics adopted by the State bank of Vietnam, and irregular reports at the
requests of competent agencies as prescribed by law.
2. Providers of payment services shall report the
upgrade of the ATM system, the unusual issues that may entail risks and
vulnerability of their ATM systems and those of other providers of payment
services to the State Bank of Vietnam (via the Department of Payment).
Article 11. Responsibility of
affiliates of the State Bank of Vietnam
1. The Department of Payment shall consider and
cooperate with relevant units in inspecting the compliance with the
requirements for the first installation of ATM network as prescribed in Article
3 of this Circular, and give opinions to any providers of payment services that
fail to satisfy such requirements; receive the reports on the operation of the
ATM network; cooperate with the police forces and relevant organizations in
preventing ATM-related crimes; send quarterly reports on the general status to the
management board of the State Bank, and send irregular reports upon the
occurrence of unusual events.
2. The Offices for Banking Supervision shall
inspect the compliance with this Circular of the providers of payment services;
handle the violations against regulations herein under their competence, and
send reports thereof to the Department of Payment.
3. Branches of the State Bank of provinces/ cities
where ATMs are located shall:
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b) 20
Examine and supervise local mobile ATMs and cope with violations: Examine all
or some local ATMs on a periodic basis or when necessary and make ATM
examination records as per the Form No. 3 enclosed to this Circular. Relevant
providers of payment services' violations against regulations of this Circular,
when exposed, shall be penalized intra vires.
In Hanoi and Ho Chi Minh City, the Offices for
Banking Supervision shall cooperate with branches of the State Bank in
examining and supervising local ATMs, tackling with violations, preventing
ATM-related crimes and informing the branches of the State Bank of the result
of such activities;
c) Report the difficulties and issues to the State
Bank of Vietnam (via the Department of Payment) for resolving in cooperation;
d) 21
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.
Article 12. Effect 22, 23
This Circular comes into force as of March 01,
2013.
Article 13. Implementation
Chief of Office, Director of the Department of
Payment, heads of relevant affiliates of the State Bank of Vietnam, Directors
of provincial branches of the State Bank, General Directors (Directors) of
providers of payment services and relevant entities shall be responsible for
implementing this Circular.
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CERTIFICATION
OF CONSOLIDATED DOCUMENT
PP GOVERNOR
DEPUTY GOVERNOR
Nguyen Dong Tien
1
The Circular No. 20/2016/TT-NHNN on amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services is promulgated pursuant to:
“The Law on the State Bank of Vietnam No.
46/2010/QH12 dated June 16, 2010;
The Law on credit institutions No. 47/2010/QH12
dated June 16, 2010;
The Law on Electronic transaction No.
51/2005/QH11 dated November 29, 2005;
The Government's Decree No. 156/2013/ND-CP on
November 11, 2013 defining the functions, tasks, powers and organizational
structure of the State Bank of Vietnam;
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The Government's Decree No. 35/2007/ND-CP dated
March 08, 2007 on the electronic transaction in banking sector;
2
The Circular No. 30/2016/TT-NHNN on amendments to Circulars on provision of
payment services and intermediary payment services is promulgated pursuant to:
“The Law on the State Bank of Vietnam No.
46/2010/QH12 dated June 16, 2010;
The Law on credit institutions No. 47/2010/QH12
dated June 16, 2010;
The Law on negotiable instruments No.
49/2005/QH11 dated November 29, 2005;
The Government's Decree No. 101/2012/ND-CP dated
November 22, 2012 on non-cash payment; the Government's Decree No.
80/2016/ND-CP dated July 01, 2016 on amendments to a number of articles of the
Government's Decree No. 101/2012/ND-CP dated November 22, 2012 on non-cash
payment;
The Government's Decree No. 156/2013/ND-CP on
November 11, 2013 defining the functions, tasks, powers and organizational
structure of the State Bank of Vietnam;
3
This Article is amended in accordance with regulations in Clause 1 Article 1 of
the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
4
This Article is amended in accordance with regulations in Clause 2 Article 1 of
the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
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6
This Clause is amended in accordance with regulations in Clause 3 Article 1 of
the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
7
This Clause is amended in accordance with regulations in Clause 3 Article 1 of
the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
8
This Clause is supplemented in accordance with regulations in Clause 3 Article
1 of the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
9
The name of this Article is amended in accordance with regulations in Clause 4
Article 1 of the Circular No. 20/2016/TT-NHNN providing amendments to the
Circular No. 36/2012/TT-NHNN dated December 28, 2012 on the installation,
management, operation and security of automated teller machines and the
Circular No. 39/2014/TT-NHNN dated December 11, 2014 on guidelines for
intermediary payment services, and coming into force as of July 01, 2016.
10
This Clause is amended in accordance with regulations in Clause 4 Article 1 of
the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
11
This Clause is abrogated in accordance with regulations in Clause 8 Article 1
of the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
12
This Clause is amended in accordance with regulations in Clause 4 Article 1 of
the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
13
This Clause is amended in accordance with regulations in Clause 5 Article 1 of
the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management, operation
and security of automated teller machines and the Circular No. 39/2014/TT-NHNN
dated December 11, 2014 on guidelines for intermediary payment services, and
coming into force as of July 01, 2016.
14
This Clause is supplemented in accordance with regulations in Clause 5 Article
1 of the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
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16
This Clause is abrogated in accordance with regulations in Clause 8 Article 1
of the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
17
This Clause is amended in accordance with regulations in Clause 6 Article 1 of
the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
18
This Clause is supplemented in accordance with regulations in Clause 6 Article
1 of the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No. 36/2012/TT-NHNN
dated December 28, 2012 on the installation, management, operation and security
of automated teller machines and the Circular No. 39/2014/TT-NHNN dated
December 11, 2014 on guidelines for intermediary payment services, and coming
into force as of July 01, 2016.
19
This Point is abrogated in accordance with regulations in Article 4 of the
Circular No. 30/2016/TT-NHNN providing amendments to Circulars on provision of
payment services and intermediary payment services, and coming into force as of
November 28, 2016.
20
This Point is amended in accordance with regulations in Clause 7 Article 1 of
the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
21
This Point is supplemented in accordance with regulations in Clause 7 Article 1
of the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
22
Article 3 and Article 4 of the Circular No. 20/2016/TT-NHNN providing
amendments to the Circular No. 36/2012/TT-NHNN dated December 28, 2012 on the
installation, management, operation and security of automated teller machines
and the Circular No. 39/2014/TT-NHNN dated December 11, 2014 on guidelines for
intermediary payment services, and coming into force as of July 01, 2016,
provide for as follows:
“Article 3. Effect
This Circular comes into force as of July 01,
2016.
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Chief of Office, Director of the Department of
Payment, heads of relevant affiliates of the State Bank of Vietnam, Directors
of provincial branches of the State Bank, Director of the Office for
Banking Supervision of Hanoi City, Director of the Office for Banking
Supervision of Ho Chi Minh City, and General Directors (Directors) of providers
of payment services and relevant entities shall be responsible for implementing
this Circular./.”
23
Articles 5, 6 and 7 of the Circular No. 30/2016/TT-NHNN providing amendments to
Circulars on provision of payment services and intermediary payment services,
and coming into force as of November 28, 2016, provide for as follows:
“Article 5. Effect
This Circular comes into force as of November
28, 2016.
Article 6. Transitional clause
With respect to contracts and/or agreements that
are concluded before the entry into force of this Circular, providers of
payment services and providers of intermediary payment services must notify
their customers of new regulations on the receipt and resolution of requests
for checking or complaints under the forms specified in the signed contracts/
agreements, and on their websites; carry out the conclusion of new contracts/
agreements as requested by the customers. Modification or addition to the
signed contracts must be performed in accordance with regulations of this
Circular.
Article 7. Implementation
Chief of Office, Director of the Department of
Payment, heads of relevant affiliates of the State Bank of Vietnam, Directors
of provincial branches of the State Bank, Chairpersons of the Management Boards
(the Member Boards), General Directors (Directors) of providers of payment
services and those of providers of intermediary payment services, and relevant
entities shall be responsible for implementing this Circular./.”
24
This Annex, including Forms No. 1, 2 and 3 enclosed to the Circular No.
36/2012/TT-NHNN, is abrogated in accordance with regulations in Clause 8
Article 1 of the Circular No. 20/2016/TT-NHNN providing amendments to the
Circular No. 36/2012/TT-NHNN dated December 28, 2012 on the installation,
management, operation and security of automated teller machines and the
Circular No. 39/2014/TT-NHNN dated December 11, 2014 on guidelines for
intermediary payment services, and coming into force as of July 01, 2016.
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26
This form is replaced in accordance with regulations in Clause 8 Article 1 of
the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
27
This form is replaced in accordance with regulations in Clause 8 Article 1 of
the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
28
This form is supplemented in accordance with regulations in Clause 8 Article 1
of the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.
29
This form is supplemented in accordance with regulations in Clause 8 Article 1
of the Circular No. 20/2016/TT-NHNN providing amendments to the Circular No.
36/2012/TT-NHNN dated December 28, 2012 on the installation, management,
operation and security of automated teller machines and the Circular No.
39/2014/TT-NHNN dated December 11, 2014 on guidelines for intermediary payment
services, and coming into force as of July 01, 2016.