I. Inquire Account Balance

Send: IVB SD

Reply message: Account Number and Balance.

II. Inquire Mini statement

Send: IVB GD

Reply message:

1. DD.MM hh:mm (+/-) amount

2. DD.MM hh:mm (+/-) amount

3. DD.MM hh:mm (+/-) amount

4. DD.MM hh:mm (+/-) amount

5. DD.MM hh:mm (+/-) amount

III.Inquire Forex rate

+ Exchange rate of default foreign currencies

The default foreign currencies are USD and EUR

Send: IVB TG

Reply message USD: Cash M rate B rate

Transfer price M rate B rate

EUR: Cash M rate B rate

Transfer price M rate B rate

Whereas: M rate: Buying rate; B rate: Selling rate

+ Other currencies exchange rate:

Send: IVB TG (Currency code)

Reply message: Currency code: Cash M rate B rate

Transfer price M rate B rate

Whereas: M rate: Buying rate; B rate: selling rate

Example for some currency codes:

USD: US Dollar

EUR: Euro

JPY: Japanese Yen

GBP: Great Britain Pound

IV. Deposit Interest rate:

Send: IVB LSTG (currency code) (term)

Currency code: Currency code is not mandatory, but if not, it is default that currency code is VND

Term: Term is not mandatory, but if not, it is default that term is current.

Term can be expressed at XYY

X: D-date

W- Week

M-month

YY: 01, 02, 03, 06, 09, 12…

Reply message: Currency Term and Interest rate

V. ATM location

Send: IVB ATM (area code)

VI. IVB Branch address:

Send: IVB CN (area code)

VII. Notify Account balance change:

As customer register to use “notify account balance change” service, the bank will automatically send message to customer’s phone at any changes to customer’s account.

VIII. Internal fund transfer:

In order to fund transfer, IVB customer has to follows 3 steps:

Step 1: Set password

Send: IVB MK NOP (PASSWORD)

PASSWORD: required length of password is 8 letters. Your password may be set once or can be changed by sending:

IVB MK (old password) (new password)

Reply message: Confirm customer message

Step 2: Fund transfer

Send: IVB CK (amount) (sending account) (target account)

Reply message: IVB CF XXXXX*YYYYY

Step 3: Confirmation

Replace * in reply message by your password then send to 8149 to confirm about fund transfer transaction

The bank will send a reply message confirm transaction was successful or not. If not, the reply message will contain supporting phone number.

IX. Top up prepaid phone account (VN topup- 8049)

To top up your prepaid phone account, you have to take 3 following steps:

Step 1: Register at IVB branches

The bank will inform customer in case transaction is successful

Step 2: Activate VNtopup service

Send: OK password To 8049

The bank will inform if the transaction is successful and instruct customer how to topup phone account

Step 3: Top-up phone account:

Send: NAP DENOMINATION PASSWORD to 8049

Whereas: DENOMINATION: VN 10. VN20, VN30, VN50, VN100, VN200, VN300, VN500 are denomination regulated by telecom companies.

PASSWORD: a string of letters set by customer within 6 digits

The bank will inform customer whether the transaction is successful. In case transaction is unsuccessful, supporting information and phone number will be provided.

X. Download Mobile banking application

In addition to using service through text messages, customer can install Mobile Banking application on mobile phone for comfortable use.

Download Mobile Banking application to cell phone by sending:

SET IVB to 8049 (GPRS required)

Or directly download from IVB website: www.indovinabank.com.vn