Electronic Transaction Accounts Required to Be Linked to VNeID

Under Government’s Decree No. 320/2026/ND-CP, which amends and supplements several provisions of Decree No. 69/2024/ND-CP on electronic identification and authentication, electronic transaction accounts in 12 sectors are required to be linked to and authenticated through VNeID electronic identification accounts.

The covered sectors include education, digital literacy for all, securities, telecommunications, banking, e-commerce, electronic invoicing, transportation, tourism, pharmaceuticals, medical examination and treatment, and social networking platforms in Vietnam.

Bank accounts must be authenticated through VNeID before December 31, 2026. (Illustrative photo: Internet)

Under the roadmap, accounts established before September 28, 2026, must complete the linking and authentication process with VNeID by December 31, 2026. However, the deadline of June 30, 2027, applies to electronic transaction accounts in the banking sector.

In addition, national digital platforms must integrate VNeID to facilitate authentication, login, and transactions among government agencies, organizations, and individuals by December 31, 2026.

Expanding account linking and authentication through VNeID aims to strengthen the accurate identification of users and limit identity fraud and online scams. At the same time, it establishes a foundation for government agencies and organizations to consistently connect and share data, limit the need for citizens to repeatedly provide information that has already been verified.

VNeID Expands Digital Services and Facilitates Access to Insurance Benefits

Beside electronic identification and authentication, VNeID is increasingly developing into a platform that connects public services and essential services. In particular, services related to SI, HI, and UI help bring social security policies closer to the public.

Through VNeID, citizens can integrate and look up information on their SI participation history, monitor their participation periods, and access relevant data. This enables employees to proactively monitor their own SI contributions and promptly identify inaccurate information so that they can request verification and correction.

Notably, under Circular No. 09/2026/TT-BTC dated February 3, 2026, issued by the Ministry of Finance, electronic SI books and electronic HI cards are being deployed to facilitate for participants. Citizens can receive and use these electronic documents through level -2 VNeID accounts, the VssID application, or email.

Electronic SI books have the same legal validity as their paper counterparts and serve as a basis for the settlement of SI and UI benefits. Meanwhile, electronic health insurance card is valid for health insurance-covered medical examinations and treatment, allowing citizens to avoid carrying physical cards when they have valid electronic versions.

Another notable feature is the social security benefit account on VNeID, which has been implemented since September 28, 2026. Citizens can integrate information about their payment accounts, e-wallets, or mobile money accounts to receive support payments, pension payments, social security benefits, and other lawful payments. This expands available payment methods and helps ensure convenience, transparency, and security for beneficiaries.

Thus, from looking up SI participation histories, using electronic SI books and HI cards to receive social security payments, VNeID is gradually becoming an important digital channel connecting citizens with insurance and social security policies.

Towards an Integrated Digital Ecosystem with Citizen-centered approach

Integrating SI, HI, and UI ultilities into the national electronic identification platform brings practical benefits to both participants and the agencies responsible for implementing these policies. Citizens can proactively access information and use electronic documents that help reduce travel time and minimize completing declarations or present multiple documents when carrying out administrative procedures.

For VSS, connecting and sharing data with the national electronic identification system helps improve the management of participants and beneficiaries, enhance data accuracy and consistency, support administrative procedure reform, and promote the delivery of online public services.

In the coming period, alongside continued efforts to improve databases, strengthen connectivity, and upgrade digital platforms, the expansion ultility on VNeID will contribute to the development of a modern, integrated public service ecosystem.

Citizens are encouraged to proactively activate their Level- 2 VNeID accounts, ensure that their personal information is accurate and up to date, and make use of services related to SI, HI, and UI to safeguard their entitlements.