Vietnam Digital Payments Statistics 2026 — E-Wallets, QR, Mobile & Gateway Data
A curated roundup of the numbers behind Vietnam's cashless transition in 2026 — e-wallet
adoption, QR payments, banking infrastructure, fintech, and how online checkout is moving
away from cash. Figures are reference estimates compiled from public industry reports and
primary sources; ranges reflect differences across analysts. See
our sources for methodology and citations.
Cashless payments & scale
Vietnam's cashless transition accelerated sharply in 2025. Full-year figures come from the State Bank of Vietnam's (SBV) review of the 2021–2025 non-cash payment program, released February 2026.
~28×
Cashless payment value vs GDP (2025)
Far exceeded the 2021–25 target; the 2030 goal is 30× GDP.
SBV, 2025
+42.21%
Non-cash transaction volume (2025 YoY)
Value +22.7%; a broad shift from cash to electronic payments.
SBV, 2025
+124.06%
QR payment value growth (2025 YoY)
Volume +50.9% — the single fastest-growing rail.
SBV, 2025
+53.95%
Internet payment volume (2025 YoY)
Value +35.8%.
SBV, 2025
+36.62%
Mobile payment volume (2025 YoY)
Value +20.1%.
SBV, 2025
Accounts, cards & infrastructure
Account ownership and merchant acceptance underpin the wallet and QR boom — while cash-out infrastructure shrinks.
232M+
Individual payment accounts (Dec 2025)
Up 13.7% year on year.
SBV, 2025
164M+
Bank cards in circulation (Dec 2025)
Up 5.3% year on year.
SBV, 2025
87.0%
Adults 15+ with a bank account (2024)
Financial inclusion; 2030 target is 95%.
SBV, 2024
+19.9%
POS terminals (2025)
ATMs fell 1.1% — acceptance is going cardless.
SBV, 2025
−17.3%
ATM transaction volume (2025)
Value −6.0%; cash withdrawals in structural decline.
SBV, 2025
E-wallets & Mobile Money
E-wallets are the front door to cashless payments; Mobile Money extends reach into rural and underserved areas.
Share of Decision Lab's online panel using MoMo; ZaloPay 43%, ViettelPay 25%. Respondents could pick several.
Decision Lab, Q2 2024
10.9M
Mobile Money accounts (Sep 2025)
~70% in rural, mountainous, border and island areas.
SBV, 2025
290M+
Mobile Money transactions (9M 2025)
~VND 8.5tn (~$323M) moved via Mobile Money.
SBV, 2025
$46.6B
Mobile payments market size (2025)
Projected to reach ~$83B by 2031.
Mordor Intelligence, 2025
NAPAS & QR rails
NAPAS runs the national retail switch behind VietQR and instant transfers, and is extending it across borders.
32M+
NAPAS transactions per day (avg 2025)
System volume +23.7% YoY; 99.997% uptime.
NAPAS, 2025
~90M
Accounts scanning VietQR (Oct 2025)
VietQR transactions +52% volume / +85% value (10M 2025 YoY).
NAPAS, 2025
+27%
NAPAS247 instant-transfer volume (2025)
Real-time account-to-account, the backbone of app transfers.
NAPAS, 2025
4 countries
Cross-border QR (2025)
Thailand, Cambodia and Laos live; China via UnionPay from Dec 2025.
NAPAS, 2025
Tap & Pay
Contactless rollout (2025)
NAPAS Tap & Pay on Android plus Apple Pay on iOS.
NAPAS, 2025
Security, fraud & e-commerce
Biometric verification and shared fraud-monitoring now sit under the payment system, while online checkout keeps shifting off cash-on-delivery.
146M+
Customer records biometrically verified (Jan 2026)
Via chip ID / VNeID; ~100% coverage of active digital accounts.
SBV, 2026
2.6M
Fraud alerts to customers (SIMO, 2025)
831k+ transactions halted; ~VND 3tn protected.
SBV, 2025
3.4M
NAPAS suspicious-transaction alerts (2025)
Anti-fraud handbook deployed at 47 banks.
NAPAS, 2025
Declining
Cash-on-delivery (COD) share of e-commerce
Shifting to wallets, cards and QR at checkout.
Notes on methodology
These figures are compiled from official sources to give a current, sourced picture of
Vietnam's digital payments market. Growth rates are full-year 2025 versus 2024 unless noted.
For definitions of terms like e-wallet, QR payment, and BNPL, see our glossary.
Primary sources: State Bank of Vietnam (SBV) review of the 2021–2025
non-cash payment program (released February 2026) and monthly payment reports; National
Payment Corporation of Vietnam (NAPAS) 2025 results; Decision Lab (Connected Consumer
surveys); Mordor Intelligence (market sizing). Each figure is labelled with its source and
year; cross-check against the primary source before relying on a specific number.
