Vietnam Police Authorized to Access Bank Transfer Records in Specified Situations

Vietnamese law allows the police and other authorized state agencies to request banks for customer information and transaction histories when mandated by the 2024 Credit Institutions Law or with the account holder’s consent. Under Decree 117/2018/ND‑CP, banks must disclose identification data, account details, deposits, assets, transaction records, and guarantor information. Agencies must submit a formal request specifying legal basis, purpose, and scope, though in urgent cases—such as criminal investigations, national security, or evidence collection—the authorities may obtain data without extensive documentation.

Banks are also required by Circular 25/2025/TT‑NHNN to report suspicious accounts to the State Bank of Vietnam before the 10th of each month. Eight indicators trigger a higher risk of scrutiny, including mismatched account opening information and other signs of potential fraud or money‑laundering.