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Chúng tôi tin rằng việc MoMo cùng Shinhan Finance luôn đồng hành và hợp tác lâu dài sẽ mang đến những giá trị thiết thực dành cho khách hàng cũng như đạt được nhiều thành công mới trong tương lai.

VNPAY tự hào khi được đồng hành và sát cánh cùng Shinhan Finance trong suốt thời gian qua và cả trong hành trình hợp tác đa dịch vụ, đa nền tảng sắp tới. Chúc mừng Shinhan Finance 5 năm phát triển.

Nguyễn Kim và Shinhan Finance không chỉ là mối quan hệ hợp tác về thương mại, mà còn chung sứ mệnh mang đến khách hàng trải nghiệm tốt nhất thông qua sản phẩm và dịch vụ tài chính an toàn, minh bạch.

Di Động Việt khẳng định sẽ luôn đồng hành với Shinhan Finance, tạo nên mối quan hệ hợp tác bền vững không chỉ là 5 năm, mà còn trong suốt hành trình chinh phục tại thị trường Việt Nam sắp tới.

FPT Shop trân trọng mối quan hệ vững chắc cùng Shinhan Finance trong suốt hành trình kiến tạo nên những trải nghiệm tài chính an toàn, minh bạch và những giá trị tốt đẹp mang đến cho khách hàng.

Hoàng Hà Mobile và Shinhan Finance đã và đang cùng nhau phát triển nhiều dịch vụ mua hàng tiện ích giúp nâng cao trải nghiệm cho khách hàng.

Shinhan Finance's credit card The First stand out for my personal expense. Besides, I can make statement balance payment easily via e-wallet as MoMo, VNPAY.

As an IT engineer, a crucial reason why I choose the financial company's services is not-disclosed customer information. Then after experiencing in service, I put my trust in Shinhan Finance.

I am so impress and sastified because Shinhan Finance's customer care is such professional and conscientious.

Loan interest of Shinhan Finance is so competitive. It's helping to solve my personal expenses. I am pleased that Shinhan Finance's staffs always actively & immediately support.

I choose Shinhan Finance because of the company's credibility in marketplace, especially customer information is not be disclosed, be confidential. In addition, loan approval and payment's process is a plus when using Shinhan Finance's services.

Accompanying and Experiencing with Shinhan Finance

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Offer details: Lifetime annual fee refund for Shinhan Finance The First credit cardholders
Eligibility: Cardholder of Shinhan Finance The First Gold
Validity: 01/08/2022 – 31/12/2023<a href="https://uat-website-cms.shinhanfinance.net/assets/news/TC-%C6%AFU-%C4%90%C3%83I-PH%C3%8D-TH%C6%AF%E1%BB%9CNG-NI%C3%8AN.pdf" target="_blank" rel="noreferrer noopener"> </a>
<a href="/assets/news/TC-ƯU-ĐÃI-PHÍ-THƯỜNG-NIÊN.pdf" target="_blank" rel="noreferrer noopener">Read more</a>

Offer details: Lifetime annual fee refund for Shinhan Finance The First credit cardholders

REFUND ANNUAL FEE PROMOTION

Dear Valued customers,
Shinhan Vietnam Finance Company Limited (Shinhan Finance) would like to announce that the program <a href="https://shinhanfinance.com.vn/en/news/post/107063/shinhan-finance-trien-khai-uu-dai-giam-0-5-lai-suat-cho-khach-hang-khi-vay-mua-o-to" target="_blank" rel="noreferrer noopener">“Auto loan special offer from Shinhan Finance – reducing interest rate by 0.5%”</a> which was applied from August 01, 2024, has expired as of December 12, 2024.
We are thankful for your interest and participation in the program.
Currently, Shinhan Finance is implementing many financial support packages to meet the needs of customers in owning a car while still ensuring their long-term financial plan. More about promotional programs, please click <a href="https://shinhanfinance.com.vn/en/news/320/khuyen-mai" target="_blank" rel="noreferrer noopener">here</a>. 
We are looking forward to receiving your support.
Shinhan Finance sincerely thanks our valued customers for their trust and support during this period.
 
Shinhan Finance.

Shinhan Vietnam Finance Company Limited (Shinhan Finance) would like to announce that the program “Auto loan special offer from Shinhan Finance – reducing interest rate by 0.5%” which was applied from August 01, 2024, has expired as of December 12, 2024.

Announcement: Closing the program “Auto loan special offer from Shinhan Finance – reducing interest rate by 0.5%”

Within the “Vietnam Appreciation Dinner 2024 – Together in Harmony” held in Hanoi on December 11, 2024, MasterCard—the world’s leading digital payment technology company headquartered in New York, USA—honored Shinhan Vietnam Finance Company Limited (Shinhan Finance) with the award “Credit Growth Catalyst 2024”.


As one of Mastercard’s strategic partners in developing Vietnam’s financial market, Shinhan Finance has actively contributed to advancing MasterCard’s payment solutions.

<figure><img src="/assets/news/Untitled-design-14_2024-12-13-103221.png" alt="Shinhan Finance được MasterCard vinh danh tại hạng mục giải thưởng “Tăng trưởng Tín dụng ấn tượng của năm 2024”" /></figure>
Specifically, since its launch in August 2022, the Shinhan Finance Mastercard THE FIRST credit card (referred to as “THE FIRST credit card”) has made a significant mark in Vietnam’s market with impressive numbers. In 2024, the number of card along with total spending through THE FIRST credit card growth impressively over 150% versus previous year.
With THE FIRST credit card, customers enjoy numerous benefits and features, including a first-year annual fee waiver, discounts of up to 50% at over 150 partner stores within the Shinhan Zone network, and easy 0% interest installment payments,... Particularly, from January 27, 2024, Shinhan Finance introduced a flexible cash withdrawal feature for the virtual version of THE FIRST credit card via the iShinhan app, allowing customers to generate cash withdrawal codes. This feature enables fee-free cash withdrawals of up to 100% of the credit limit at VPBank branches nationwide.
This award reaffirms Shinhan Finance’s effective strategies for credit card growth. Through continuous technological innovation, Company remains committed to delivering exceptional spending experiences for customers while contributing to promoting cashless payment trends in Vietnam.
By actively expanding connections with leading and reputable partners, Shinhan Finance brings attractive offers to customers using THE FIRST credit card:
<ul><li><a href="https://shinhanfinance.com.vn/en/news/post/108109/uu-dai-dac-biet-mua-le-hoi-giam-ngay-2-trieu-dong-khi-so-huu-iphone-16-cung-shinhan-finace">Special Holiday Offer: Discount of 2 Million VND when purchasing iPhone 16 with Shinhan Finance</a></li><li><a href="https://shinhanfinance.com.vn/en/news/post/107690/notice-of-adjustment-to-program-content-unlock-special-deal-shopee-with-the-first-credit-card">Unlock special deal Shopee with THE FIRST credit card</a></li></ul>
With a vision for long-term and sustainable development, Shinhan Finance will soon introduce superior products and services to the Vietnamese market. Through these efforts, Company aims to enhance quality of life, create positive value, and contribute to building a more prosperous future for the people of Vietnam.

Within the “Vietnam Appreciation Dinner 2024 – Together in Harmony” held in Hanoi on December 11, 2024, MasterCard—the world’s leading digital payment technology company headquartered in New York, USA—honored Shinhan Vietnam Finance Company Limited (Shinhan Finance) with the award “Credit Growth Catalyst 2024”.

Shinhan Finance honored by Mastercard in the Award Category “Credit Growth Catalyst 2024”

Dear Valued Customers,
Pursuant to Decision No. 740/QĐ-TTGSNH2 dated November 28, 2024, issued by the State Bank of Vietnam regarding the amendment of the contents of the Establishment and Operation License of Shinhan Vietnam Finance Company Limited, Shinhan Vietnam Finance Company Limited would like to announce that:
1. Company Name:
- Vietnamese Name: Công ty Tài chính TNHH Một Thành viên Shinhan Việt Nam.
- Foreign name: Shinhan Vietnam Finance Company Limited.
2. Charter Capital before change: Charter capital of Shinhan Vietnam Finance Company Limited is VND 615,000,000,000 (in words: Six hundred and fifteen billion Vietnamese dong), by Shinhan Card Co., Ltd (having headquarter in South Korea), owned 100% charter capital.
3. Charter Capital after change (after increase): Charter capital of Shinhan Vietnam Finance Company Limited is VND 750,000,000,000 (in words: Seven hundred and fifty billion Vietnamese dong), by Shinhan Card Co., Ltd (having headquarter in South Korea), owned 100% charter capital.

We hope to keep receiving the supports from customers and will provide to customers a variety of products with expected quality.


Sincerely,


Shinhan Finance Finance Company Limited.

Pursuant to Decision No. 740/QĐ-TTGSNH2 dated November 28, 2024, issued by the State Bank of Vietnam regarding the amendment of the contents of the Establishment and Operation License of Shinhan Vietnam Finance Company Limited, Shinhan Vietnam Finance Company Limited would like to announce that:

Announcement: Change in Charter Capital of Shinhan Vietnam Finance Company Limited

The Christmas season is just around the corner, and the joyful atmosphere of year-end festivities is everywhere! It’s the perfect time to share love and enjoy delightful surprises. Shinhan Finance, in partnership with Hoang Ha Mobile, is proud to bring you an incredible opportunity to own the iPhone 16 with an unbeatable offer, making this Christmas even more meaningful!
From December 2, 2024 to March 31, 2025, when purchasing any iPhone 16 model at Hoang Ha Mobile stores nationwide and paying with the Shinhan Finance Mastercard THE FIRST credit card (referred to as "THE FIRST credit card"), you’ll receive an instant discount of 2 million VND!
Why take advantage of this offer today?
<ul><li>Experience cutting-edge technology with the iPhone 16: Get ahead with Apple’s latest innovation and own the dream device to welcome the New Year.</li><li>The best Christmas deal: Instantly save 2 million VND and enjoy more savings while shopping.</li><li>Fast and secure payments: With the Shinhan Finance Mastercard THE FIRST, all transactions are convenient and secure.</li></ul>
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC_iPhone16_Hoang-Ha-Mobile_Dec24.pdf" target="_blank" rel="noreferrer noopener">here</a> for more information on the programs’ terms and conditions.
Note:
<ul><li>Applicable only for payments covering 100% of the order value made with the Shinhan Finance credit card.</li><li>Not applicable for payments made entirely or partially in cash or via bank transfer.</li><li>The program can be combined with the 0% installment plan using a credit card at the store.</li><li>Each customer is eligible for two (2) offers throughout the promotion period.</li><li>The promotion cannot be redeemed for cash or any other form of compensation</li></ul>
Let Shinhan Finance accompany you this festive season!
Don’t miss this fantastic opportunity. Visit your nearest Hoang Ha Mobile store to shop and experience it today!
Sincerely,
Shinhan Finance

The Christmas season is just around the corner, and the joyful atmosphere of year-end festivities is everywhere! It’s the perfect time to share love and enjoy delightful surprises. Shinhan Finance, in partnership with Hoang Ha Mobile, is proud to bring you an incredible opportunity to own the iPhone 16 with an unbeatable offer, making this Christmas even more meaningful!

Special Holiday Offer: Discount of 2 Million VND When Purchasing iPhone 16 with Shinhan Finance

To encourage individual customers to update their biometric data to ensure uninterrupted electronic transactions from January 1, 2025, Shinhan Finance is launching the promotion "Receive 100,000 VND instantly from Shinhan Finance when biometric registration." Specifically:
From December 1, 2024, to December 31, 2024, credit cardholders of THE FIRST who complete their biometric registration at Shinhan Finance will immediately receive an e-voucher worth 100,000 VND.
Promotion Details:
<ul><li>Customers who complete registering biometrical information (*) at Shinhan Finance’s Branches or Service Introduction Points (SIPs) during the program period will receive e-voucher worth VND 100,000.</li><li>The e-voucher will be sent to customers within 30 (thirty) days from the last day of each month via SMS to the phone number registered with Shinhan Finance.</li></ul>
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/site/TnC-Biometric-Promotion-Dec-2024.pdf" target="_blank" rel="noreferrer noopener">here</a>.
(*) Detailed instructions for registering biometrical as <a href="https://shinhanfinance.com.vn/en/news/post/107674/thong-bao-cap-nhat-du-lieu-sinh-trac-hoc-va-giay-to-tuy-than-truoc-khi-het-hieu-luc">here</a>.
We’re looking forward to receiving your cooperation so that the updating process goes smoothly. You can refer to the list of Shinhan Financ’s Branches/SIPs <a href="https://shinhanfinance.com.vn/en/contact">here</a>. For the update to take quickly, please arrange to come to the Branch/SIP before 4:00 p.m so that Shinhan Finance staff can serve you best.
For support with relevant issues, please contact Shinhan Finance through the following channels:
<ul><li>Hotline: 1900 5454 49</li><li>Email: dvkh@shinhanfinance.com.vn</li><li>Zalo: bit.ly/ShinhanFinance-Zalo-official</li></ul>
Shinhan Finance

Nhằm khuyến khích khách hàng cá nhân cập nhật sinh trắc học để mọi giao dịch điện tử không bị gián đoạn từ ngày 01/01/2025, Shinhan Finance triển khai ưu đãi “Nhận ngay 100.000 VNĐ từ Shinhan Finance khi cập nhật sinh trắc học”.

Register your biometric now – receive 100,000 VND from Shinhan Finance

Christmas is coming, Shinhan Finance would like to wish you a peaceful, warm holiday season and all the best with attractive payment offers on iShinhan!
From December 01, 2024 to December 31, 2024, Shinhan Finance customers when make payment of loan and credit card balance via ZaloPay on iShinhan application will receive an instant discount of 20,000 VND.
Promotion information
<ul><li>Enter promotion code SVFC20K, discount of 20,000 VND for payments from 1,000,000 VND</li><li>Applies to customers when paying off a loan or credit card balance on the iShinhan app of Shinhan Finance and selecting the payment method via ZaloPay e-wallet.</li></ul>
Payment Instructions
<ul><li>Step 1: Log in to iShinhan, select “Credit Card” or “Loan” that is due for payment.</li><li>Step 2: Choose to pay using the ZaloPay e-wallet and follow the instructions.</li><li>Step 3: Enter the promotion code SVFC20K -&gt; confirm -&gt; check the promotion details -&gt; Use Now.</li><li>Step 4: Press “Confirm Transaction” to complete.</li></ul>
Notes
• Each customer can receive the promotion once during the entire program.
• The program may end earlier than expected if the budget is exhausted or the program duration ends, whichever comes first.
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/202412-TnC_SVFCxZLP.pdf" target="_blank" rel="noreferrer noopener">here </a>for more information on the programs’ terms and conditions.
Let’s create an account on the iShinhan app to experience the full range of utilities and incentives.<figure><img src="/assets/news/ishinhan.png" alt="" /></figure>
Shinhan Finance

Christmas is coming, Shinhan Finance would like to wish you a peaceful, warm holiday season and all the best with attractive payment offers on iShinhan!

Merry Christmas and get happy rewards on iShinhan

Ho Chi Minh City, November 19, 2024, Shinhan Finance Vietnam Co., Ltd. (Shinhan Finance) has just signed a cooperation agreement with Knowledge Journey Joint Stock Company (Finsey). 
After the “2024 Global Shinhan Innoboost” (1) contest launched by Shinhan Future Lab (2), Finsey, a fintech company, was selected by Shinhan Finance as a partner to introduce Shinhan Finance’s credit services to students of universities and colleges nationwide. Students can refer to the information on Finsey’s website and apply for a Shinhan Finance loan or credit card henceforth.
During the signing ceremony, Mr. Le Minh Chi - Head of Product Development Division of Shinhan Finance said: "We highly appreciate Finsey's efforts in bringing official and transparent credit support from Shinhan Finance to a large number of students from universities and colleges. At the same time, through this cooperation, Shinhan Finance also affirms the companionship and support of Vietnamese startups to improve operational efficiency, promote innovation, and bring the compassionate finance of Shinhan Financial Group to the people of Vietnam".
Also at the signing ceremony, Mr. Nguyen Hoang Thien Dinh, CEO of Finsey shared: "With the goal of providing all financial services, comprehensively from tuition fees, living expenses, and personal development costs to Vietnamese students, Finsey believes that the young generation can completely overcome financial barriers to confidently complete the path of cultivation accumulating knowledge and making positive contributions to the development of the country. The partnership with Shinhan Finance has increased opportunities for students to access mainstream credit services and safe and transparent financial solutions."
In the future, Shinhan Finance and Finsey will continue to discuss for more comprehensive cooperation, affirming Shinhan Finance's commitment to the Vietnamese market, for a sustainable and prosperous Vietnam.
(1) The "2024 Global Shinhan Innoboost" contest serves as a catalyst for digital transformation, promoting innovation and improving operational efficiency for both startups and Shinhan Financial Group companies in Vietnam. Participating in the program, startups can leverage Shinhan's vast network and resources, while Shinhan taps into cutting-edge technologies and startup talents, facilitating mutual growth and success.
(2) Shinhan Future's Lab is a subsidiary of Shinhan Financial Group - SFG, which is the most successful financial technology startup support organization in Korea.

After the “2024 Global Shinhan Innoboost” contest launched by Shinhan Future Lab, Finsey, a fintech company, was selected by Shinhan Finance as a partner to introduce Shinhan Finance’s credit services to students of universities and colleges nationwide.

SHINHAN FINANCE SUPPORTS VIETNAMESE STARTUPS DEPLOYING A VARIETY OF FINANCIAL PRODUCTS FOR STUDENTS

From November 23, 2024 to November 30, 2024, Shinhan Finance launches the program "Registering biometric with Shinhan Finance, receiving attractive gifts" for THE FIRST credit card holders who complete the update biometric at Shinhan Finance.
Accordingly, customers who complete registering biometrical information (*) at Shinhan Finance’s Branches or Service Introduction Points (SIPs) during the program period will receive e-voucher worth VND 200,000.
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Biometric-Promotion-23Nov-30Nov-2024.pdf" target="_blank" rel="noreferrer noopener">here</a>.
(*) Detailed instructions for registering biometrical as <a href="https://shinhanfinance.com.vn/en/news/post/107674/thong-bao-cap-nhat-du-lieu-sinh-trac-hoc-va-giay-to-tuy-than-truoc-khi-het-hieu-luc" target="_blank" rel="noreferrer noopener">here</a>.
We’re looking forward to receiving your cooperation so that the updating process goes smoothly. You can refer to the list of Shinhan Financ’s Branches/SIPs <a href="https://shinhanfinance.com.vn/en/contact" target="_blank" rel="noreferrer noopener">here</a>. For the update to take quickly, please arrange to come to the Branch/SIP before 4:00 p.m so that Shinhan Finance staff can serve you best.
For support with relevant issues, please contact Shinhan Finance through the following channels:
<ul><li>Hotline: 1900 5454 49</li><li>Email: dvkh@shinhanfinance.com.vn</li><li>Zalo: bit.ly/ShinhanFinance-Zalo-official</li></ul>
Shinhan Finance

From November 23, 2024 to November 30, 2024, Shinhan Finance launches the program "Registering biometric with Shinhan Finance, receiving attractive gifts" for THE FIRST credit card holders who complete the update biometric at Shinhan Finance.

Register your biometric with Shinhan Finance and receive exciting gift

From November 15, 2024 to November 22, 2024, Shinhan Finance launches the program "Registering biometric with Shinhan Finance, receiving attractive gifts" for THE FIRST credit card holders who complete the update biometric at Shinhan Finance.
Accordingly, customers who complete registering biometrical information (*) at Shinhan Finance’s Branches or Service Introduction Points (SIPs) during the program period will receive e-voucher worth VND 200,000.
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Biometric-Promotion-15Nov-22Nov-2024.pdf" target="_blank" rel="noreferrer noopener">here</a>.
(*) Detailed instructions for registering biometrical as <a href="https://shinhanfinance.com.vn/en/news/post/107674/thong-bao-cap-nhat-du-lieu-sinh-trac-hoc-va-giay-to-tuy-than-truoc-khi-het-hieu-luc" target="_blank" rel="noreferrer noopener">here</a>.
We’re looking forward to receiving your cooperation so that the updating process goes smoothly. You can refer to the list of Shinhan Financ’s Branches/SIPs <a href="https://shinhanfinance.com.vn/en/contact" target="_blank" rel="noreferrer noopener">here</a>. For the update to take quickly, please arrange to come to the Branch/SIP before 4:00 p.m so that Shinhan Finance staff can serve you best.
For support with relevant issues, please contact Shinhan Finance through the following channels:
<ul><li>Hotline: 1900 5454 49</li><li>Email: dvkh@shinhanfinance.com.vn</li><li>Zalo: bit.ly/ShinhanFinance-Zalo-official</li></ul>
Shinhan Finance

From November 15, 2024 to November 22, 2024, Shinhan Finance launches the program "Registering biometric with Shinhan Finance, receiving attractive gifts" for THE FIRST credit card holders who complete the update biometric at Shinhan Finance.

Register your biometric with Shinhan Finance and enjoy exclusive gifts

From November 11, 2024, to December 31, 2024, Shinhan Finance announces adjustments to the content of the program “Unlock Special Deal Shopee With THE FIRST Credit Card”, details:
<ul><li>Offer 1: Direct discount of VND 100,000
for bill from VND 800,000 when applicable for bill paid by THE FIRST credit card on every day (exclude special days of offer 2).</li></ul>
Each Shopee customer (based on the User ID purchased at Shopee with 01 Shinhan Finance credit card) eligible for 04 times per month.
<ul><li>Offer 2: Direct discount of VND 200,000
for bill from VND 1,200,000 when applicable for bill paid by THE FIRST credit card on special days 03/03; 25/03; 04/04; 25/04; 05/05; 25/05; 06/06; 25/06; 07/07; 25/07; 08/08; 25/08; 09/09; 25/09; 10/10; 25/10; 11/11; 25/11; 12/12; 25/12.</li></ul>
Each Shopee customer (based on the User ID purchased at Shopee with 01 THE FIRST credit card) eligible for 01 (once) time per special day.
Note:
<ul><li>Applicable simultaneously with the program " Enjoy exclusive Shopee deals with THE FIRST credit card"</li></ul>
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Shopee-Campaign-7.9.2024-31.12.2024-ban-dieu-chinh.pdf" target="_blank" rel="noreferrer noopener">here</a>.
Furthermore, customers will also enjoy THE FIRST’s outstanding features when making purchase transactions like:
<ul><li>“Buy first, pay later” with interest free period up to 45 days.</li><li>Flexible installment with 0% interest rate.</li><li>Unlimited accumulated bonus points with 0.5% of the transaction amounts.</li><li>Easy management and flexible use of card features via iShinhan app.</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions">here</a> 
Shinhan Finance

From November 11, 2024, to December 31, 2024, Shinhan Finance announces adjustments to the content of the program “Unlock Special Deal Shopee With THE FIRST Credit Card”.

Notice of adjustment to program content: Unlock Special Deal Shopee With THE FIRST Credit Card

Dear Valued Customer,
Shinhan Vietnam Finance Company Limited (“SVFC”) sincerely thank you for trusting and using our Card product during all this time.
In order to comply with Circular No. 18/2024/TT – NHNN of the State Bank of Vietnam on implementing safe and secure solutions in online card payments, please follow the instructions as below:
<ol><li>If the Personal Document registered with Shinhan Finance is an Identity Card (ID card) or Non-chip Citizen Identification Card: Bring the latest chip-based ID card to Shinhan Finance Branches or Service Introduction Points (SIP) to update the latest chip-based ID card and register biometrical information.</li><li>If the Personal Document registered with Shinhan Finance is a chip-based ID card or not expired but has not registered biometrical information: Bring the latest chip-based ID card/ Personal documents to Shinhan Finance Branches or Service Introduction Points (SIP) to register biometrical information.</li><li>If the Personal Document registered with Shinhan Finance is a chip-based ID and has registered biometrical information but the validity period of this ID is about to expire, please select one of the following options:</li></ol>
<ul><li>Option 1: Send a copy or image of 02 sides of the latest chip-based ID card to update information with confirmation letter <a href="https://shinhanfinance.com.vn/assets/promotionTag/PHI%E1%BA%BEU-Y%C3%8AU-C%E1%BA%A6U-C%E1%BA%ACP-NH%E1%BA%ACT-TH%C3%94NG-TIN.pdf" target="_blank" rel="noreferrer noopener">(attached file)</a> to the Customer Service Center via email dvkh@shinhanfinance.com.vn</li></ul>
<ul><li>Option 2: Log in the iShinhan application, on the main screen, click the 3 dashes icon and select "Tôi muốn" &gt; "Thay đổi thông tin" &gt; "Chứng minh nhân dân" and follow as the instructions in app.</li></ul>
Note: Since January 1, 2025: 
<ul><li>If you have not updated your biometrical information promptly, you will not be able to perform online transactions on your credit cards. Payment transactions for goods and services at POS and cash withdrawals at ATMs are still allowed to be carried out normally. </li><li>If you have not updated the new validity period of personal documents, you can not make any transactions on your credit cards.</li></ul>
We’re looking forward to receiving your cooperation so that the updating process goes smoothly. You can refer to the list of Shinhan Finance Branches/SIPs here. For the update to take quickly, please arrange to come to the Branch/SIP before 4:00 p.m so that Shinhan Finance staff can serve you best
For support with relavent issues, please contact Shinhan Finance through the following channels: 
<ul><li>Hotline: 1900 5454 49 </li></ul>
<ul><li>Email: dvkh@shinhanfinance.com.vn </li></ul>
<ul><li>Zalo: bit.ly/ShinhanFinance-Zalo-official </li></ul>
 
Sincerely,
Shinhan Finnace

In order to comply with Circular No. 18/2024/TT – NHNN of the State Bank of Vietnam on implementing safe and secure solutions in online card payments.

NOTICE ON  REGISTERING BIOMETRICAL INFORMATION & UPDATING PERSONAL DOCUMENTS BEFORE EXPIRED

Are you ready to upgrade to the iPhone 16? Don’t miss a chance to own a hot version smartphone, iPhone 16, with Shinhan Finance credit card’s special promotion!
Details, from November 1, 2024 to November 30, 2024, customers will receive an instant discount of VND 2,000,000 when purchasing iPhone 16 at Hoang Ha Mobile stores and paying by Shinhan Finance Mastercard THE FIRST.
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC_iPhone16_Hoang-Ha-Mobile_2024-Nov24.pdf" target="_blank" rel="noreferrer noopener">here </a>for more information on the programs’ terms and conditions.
Don’t miss out on the iPhone 16 – the most sought-after phone right now – and enjoy unique benefits exclusively for Shinhan Finance customers at Hoang Ha Mobile.
Note:
<ul><li>This offer applies when 100% of the transaction is paid with a Shinhan Finance credit card.</li><li>It doesn’t apply to purchases made fully or partially in cash/bank transfer.</li><li>The promotion can be combined with the 0% installment plan available through credit cards at the store.</li><li>Each customer can redeem this offer only once throughout the entire program period.</li></ul>
Sincerely,
Shinhan Finance

Are you ready to upgrade to the iPhone 16? Don’t miss a chance to own a hot version smartphone, iPhone 16, with Shinhan Finance credit card’s special promotion!

Upgrade to the iPhone 16 with Shinhan Finance and receive an instant discount of 2 million VND

From November 01, 2024, Shinhan Finance cooperates with Datbike to offer an exclusive e-voucher of VND 500,000 to bring new journey experiences and arouse positive energy in life.
Specifically, Customers will be received e-voucher VND 500,000 when get new disbursed loan with a value of VND 20,000,000 or more.
The program will be started from November 01, 2024 to December 31, 2024, applicable to all installment loan products at the system of Datbike stores.
<a href="https://shinhanfinance.com.vn/assets/promotionTag/The-le-Chuong-trinh-Mua-Datbike-cung-Shinhan-Finance.pdf" target="_blank" rel="noreferrer noopener">Here</a> are the terms and conditions of the promotion.
Along with the offer from the program, Shinhan Finance also brings many other benefits to help people with conditions to own motorbikes easily and safely:
<ul><li>Flexible term up to 48 months.</li><li>No application fee, no appraisal fee, and any other additional fees.</li></ul>
In addition, from October 25, 2024, Shinhan Finance will not retain the original motorcycle registration card on TW loans that are successfully disbursed at Datbike stores.
Shinhan Finance

Từ ngày 01/11/2024, Shinhan Finance phối hợp cùng Datbike triển khai chương trình “Mua Datbike cùng Shinhan Finance”. Theo đó, Khách hàng sẽ nhận e-voucher 500.000 VNĐ khi sở hữu những dòng xe máy điện cực phong cách.

New electric motorbike with many hot deals at Datbike

<table>
 <tbody><tr>
 <td width="366" valign="top">Make your payment now and enjoy instant rewards with ZaloPay! This November, Shinhan Finance has partnered with the e-wallet platform ZaloPay to give you a discount of 20,000 VND when paying your loan or credit card balance on the iShinhan app and select the payment method via the ZaloPay e-wallet.
Promotion information
<ul><li>Enter promotion code SVFC20K, discount of 20,000 VND for payments from 1,000,000 VND</li><li>Applies to customers when paying off a loan or credit card balance on the iShinhan app of Shinhan Finance and selecting the payment method via ZaloPay e-wallet.</li></ul>
The promotion is valid from 10:00 AM on November 1, 2024 until the end of November 30, 2024.
Payment Instructions
<ul><li>Step 1: Log in to iShinhan, select “Credit Card” or “Loan” that is due for payment.</li><li>Step 2: Choose to pay using the ZaloPay e-wallet and follow the instructions.</li><li>Step 3: Enter the promotion code SVFC20K -&gt; confirm -&gt; check the promotion details -&gt; Use Now.</li><li>Step 4: Press “Confirm Transaction” to complete.</li></ul>
Notes
• Each customer can receive the promotion once during the entire program.
• The program may end earlier than expected if the budget is exhausted or the program duration ends, whichever comes first.
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/202411-TnC_SVFCxZLP.pdf" target="_blank" rel="noreferrer noopener">here</a> for more information on the programs’ terms and conditions.
Let’s create an account on the iShinhan app to experience the full range of utilities and incentives.
<img src="/assets/news/ishinhan.png" alt="" />
Shinhan Finance</td>
 </tr>
</tbody></table>

Make your payment now and enjoy instant rewards with ZaloPay! This November, Shinhan Finance has partnered with the e-wallet platform ZaloPay to give you a discount of 20,000 VND when paying your loan or credit card balance on the iShinhan app and select the payment method via the ZaloPay e-wallet.

Chọn ZaloPay – Nhận ưu đãi 20.000 VNĐ từ Shinhan Finance

From October 25th, 2024, Customers for a two-wheeler (TW) loan can keep an original motorcycle registration card (MRC) at Piaggio, Yamaha, and Datbike stores/distributors nationwide.
Specifically, Shinhan Finance will not retain any MRC on TW loans that are successfully disbursed. Shinhan Finance's new policy is being implemented at Piaggio, Yamaha and DatBike stores/ distributors nationwide. The policy's validity period is from October 25, 2024 until further notice.
Customers not only easily own their favorite motorbike, but also feel secure when driving their new motorbike on the road with original documents in hand.
Within 30 minutes of applying for a loan, customers can own a dream motorbike with financial support from Shinhan Finance up to VND 100 million. Specially, the TW loan interest rate preference is only from 0%.
Therefore, Shinhan Finance also offers a series of other attractive incentives to create favorable conditions for customers to access financial services more easily, quickly, and conveniently than ever.
Let’s contact Shinhan Finance immediately for more detailed advice.
Shinhan Finance.

From October 25th, 2024, Customers for a two-wheeler (TW) loan can keep an original motorcycle registration card (MRC) at Piaggio, Yamaha, and Datbike stores/distributors nationwide.

Shinhan Finance: Easier with a two - wheeler loan at Piaggio, Yamaha, Datbike

On October 10, 2024, Shinhan Vietnam Finance Company (Shinhan Finance) celebrates its 18th anniversary, marking a meaningful milestone in its journey of serving the Vietnamese market. 
With the message “Let’s do GREAT,” Shinhan Finance continues to affirm its vision of “Compassionate Finance,” with the mission of building a better world through the power of finance
18 Years of Providing Millions of Practical Financial Solutions
After 18 years of establishment and growth, the company has expanded its business network nationwide with 10 Branches, 26 Service Introduction Points, and a dedicated workforce of thousands of skilled employees and sales agents with excellent customer service. With this solid foundation, Shinhan Finance has met the personal financial support needs of millions of Vietnamese customers over nearly two decades.
Not only has Shinhan Finance strengthened its business network, but for many years, it has also continuously invested in digital transformation, diversified financial products, improved business processes, and enhanced service quality to provide customers with more convenient and secure experiences.
Shinhan Finance takes pride in its ability to serve the diverse financial needs of Vietnamese customers, ranging from small loans like installment purchases and cash loans for living needs of up to 300 million VND to auto loans of up to 10 billion VND. Additionally, with the consultation and support from its mother company, Shinhan Card—the leading credit card company in South Korea - Shinhan Finance has launched international credit card products in the Vietnamese market to cater to customers' varied shopping needs. Moreover, customers can conveniently and securely conduct various transactions anytime and anywhere on the iShinhan app, such as checking transaction history, paying outstanding balances, converting to installment payments, and many other convenient features.
Not only has Shinhan Finance become the top choice for customers seeking financial support, but it has also asserted its position in the Vietnamese market by becoming a reputable business partner, with an increasingly expanding network of strategic partners. Notable names include Mastercard, major e-wallets like MoMo, Zalopay, and VNPAY, the largest electronics retail brands in Vietnam, and distribution systems for two-wheels and cars such as Piaggio, Yamaha, THACO Group, and Ford nationwide.
The innovative and creative efforts of Shinhan Finance have been recognized through numerous prestigious awards both domestically and internationally. The company is also one of the few foreign-invested enterprises chosen by reputable organizations such as the Vietnam Banking Association (VNBA) and the Competition and Consumer Protection Authority (VCCA) to accompany them in communication activities regarding sustainable financial solutions and consumer rights protection in the country.
The Journey of Perseverance with the Mission of Bringing Compassionate Finance to the Community
Shinhan Finance has implemented numerous community-oriented programs, especially since officially operating under the Shinhan brand—a financial solution from South Korea.
Among these is the notable journey titled "The Library of Dreams," initiated in 2019. To date, Shinhan Finance has donated 64 bookcases, 24,625 children's books, and renovated 11 reading rooms for children in 11 libraries across provinces and cities nationwide. The program has inspired reading and encouraged the spirit of learning, expanding knowledge for the younger generation in Vietnam.
Every year, Shinhan Finance represents its mother company, Shinhan Card (South Korea), in sharing cultural values and supporting the community through the Good Hallyu Project implemented in Vietnam, donating thousands of health care kits and school supplies, as well as storybooks to students. Shinhan Finance is also one of the five active members of Shinhan Financial Group in Vietnam, participating in a series of charitable programs that embody the spirit of “One Shinhan” of the group.<figure><img src="/assets/news/Hoat-dong-hien-mau-nhan-dao-OneShinhan.jpg" alt="" /></figure>
Alongside investing in the development of knowledge for the younger generation, Shinhan Finance actively partners with the Red Cross to implement annual humanitarian blood donation programs in various provinces across the country. Over five years of continuous organization, the company's staff has contributed 885 units of blood (equivalent to 242,100 ml) to the community, providing hope for many patients.
In particular, during the nationwide solidarity against the Covid-19 pandemic, Shinhan Finance and all its employees made meaningful contributions to the Vaccine Fund and the Vietnam Fatherland Front Committee with a total budget support of up to 1.2 billion VND.
Recently, in solidarity with the people in localities heavily affected by Typhoon Yagi, Shinhan Finance promptly provided <a href="https://shinhanfinance.com.vn/en/news/post/107148/uu-dai-giam-2-lai-suat-ho-tro-khach-hang-bi-anh-huong-boi-bao-yagi">a special package offering a 2% interest rate reduction on loans</a>, helping customers in these areas to recover from the losses caused by the storm.
Sharing about the mission of compassionate finance, Mr. Chun Young ILL, General Director of Shinhan Finance Vietnam, affirmed: “The company will continue to innovate, create, and provide practical financial solutions to help customers enhance their quality of life, increase mutual cooperation with partners, spread humanitarian values to the community, and contribute to the stable and sustainable development of the Vietnamese market.”
Thousands of Special Promotions to Express Our Heartfelt Thanks
As a token of appreciation to all customers who have trusted and chosen us over the past 18 years, Shinhan Finance is excited to collaborate with numerous prominent partners to offer thousands of enticing promotions. Specifically, customers can enjoy a discount of 2 million VND when purchasing the iPhone 16 at Hoàng Hà Mobile stores nationwide. Additionally, there’s a 100,000 VND discount on orders worth 300,000 VND through the ShopeeFood app, and a 100,000 VND discount on orders over 800,000 VND on the Shopee app when using THE FIRST credit card daily. Customers will also benefit from discount codes of 20,000 VND and 15,000 VND when settling outstanding balances via Zalopay and VNPAY on the iShinhan app.
Moreover, customers have the opportunity to receive vouchers of up to 500,000 VND when shopping at stores selling motorcycles, bicycles, electronics, and mobile phones that are partners of Shinhan Finance. For more details on these exciting offers, please visit the <a href="https://www.shinhanfinance.com.vn/en/news/320/khuyen-mai">Shinhan Finance website</a>.
With this series of appreciation initiatives, Shinhan Finance looks forward to continuing our journey together with customers, partners, and the community under the theme “Let’s do GREAT” in the times ahead.

On October 10, 2024, Shinhan Vietnam Finance Company (Shinhan Finance) celebrates its 18th anniversary, marking a meaningful milestone in its journey of serving the Vietnamese market. With the message “Let’s do GREAT,” Shinhan Finance continues to affirm its vision of “Compassionate Finance,” with the mission of building a better world through the power of finance

Shinhan Finance: 18 Years of Accompanying and Providing Millions of Financial Solutions to the People of Vietnam

From September 2, 2024 to October 3, 2024, Shinhan Finance accompanied Nguyen Kim during the opening week to welcome the opening of three new shopping centers and organize many interesting activities for customers to come shopping.
<figure><img src="/assets/news/Bài-Nguyễn-Kim-2.png" alt="Khách hàng tham gia chương trình Shinhan Finance tại trung tâm Nguyễn Kim" /></figure>
During this event, customers will not only enjoy shopping for thousands of products at unbeatable prices but also participate in exciting check-in activities with many attractive gifts from Shinhan Finance at the three NguyenKim shopping centers, including: Nguyen Kim District 2 (378 Nguyen Duy Trinh Street, Binh Trung Dong Ward, District 2), Nguyen Kim District 9 (448 Le Van Viet Street, Tang Nhon Phu A Ward, District 9), and Nguyen Kim Vung Tau (406 Le Hong Phong Street, Thang Tam Ward, Vung Tau City).
The re-opening event attracted significant interest and warm reception from customers. Let’s look at some of the highlights captured during the opening ceremony over the past few days.
<figure><img src="/assets/news/Bài-Nguyễn-Kim-3_2024-10-07-094841.png" alt="" /></figure>
In addition, Shinhan Finance also offers a 0% interest installment program and many practical financial solutions such as: No prepaid; No appraisal fee; No application processing fee. Not only that, Shinhan Finance also has a flexible loan term of up to 48 months, helping customers easily own their favorite items when shopping here.
Sharing the goal of creating new experiences and new value for customers, Shinhan Finance and Nguyễn Kim are committed to providing optimal development solutions for consumers, contributing to the development, and building of a better life with a financially secure future. 
Shinhan Finance

From September 2, 2024 to October 3, 2024, Shinhan Finance accompanied Nguyen Kim during the opening week to welcome the opening of three new shopping centers and organize many interesting activities for customers to come shopping.

Shinhan Finance partners with Nguyễn Kim to celebrate the grand opening of 3 new centers

To celebrate the special milestone of 18 years of operation in the Vietnamese market, Shinhan Finance offers incentives of up to 500,000 VND when owning installment loan through the " Enjoy shopping, receive great reward with Shinhan Finance" program.
Accordingly, from October 7th, 2024 to December 6th, 2024, Shinhan Finance offers e-voucher worth up to VND 500,000 to customers who successfully get installment loan through Shinhan Finance when purchasing motorbikes, bicycles, electronics, phones at <a href="https://shinhanfinance.com.vn/assets/promotionTag/Danh-s%C3%A1ch-c%E1%BB%ADa-h%C3%A0ng-%C3%A1p-d%E1%BB%A5ng-ch%C6%B0%C6%A1ng-tr%C3%ACnh.pdf" target="_blank" rel="noreferrer noopener">Shinhan Finance's partner stores</a>. Specifically, Customers will receive: - E-voucher 200,000 VND Installment loans to buy electronics and phones - E-voucher 500,000 VND for installment loan to buy motorbikes, bicycles
For detailed information of <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC_CTKM-mua-hang-tra-gop-nhan-uu-dai-500.000-VND.pdf" target="_blank" rel="noreferrer noopener">Terms &amp; Conditions.</a> 
Along with the gift from the program, Shinhan Finance also brings many other benefits to help people with conditions to own motorbikes easily and safely: Loan limit up to 100 million VND; Flexible term up to 48 months; 0% interest rate offer (valid only at certain stores).
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/news/320/khuyen-mai">here</a>.
Shinhan Finance.

To celebrate the special milestone of 18 years of operation in the Vietnamese market, Shinhan Finance offers incentives of up to 500,000 VND when owning installment loan through the " Enjoy shopping, receive great reward with Shinhan Finance" program

Enjoy shopping, receive great reward with Shinhan Finance

Celebrating the 18 years of Company, Shinhan Finance would like to express our sincere gratitude to all our valued customers, who have trusted and accompanied us throughout this proud journey.
To show our appreciation, Shinhan Finance is pleased to partner with Hoang Ha Mobile to bring a promotion for our beloved customers.
Details, from October 4, 2024 to October 31, 2024, customers will receive an instant discount of VND 2,000,000 when purchasing iPhone 16 at Hoang Ha Mobile stores and paying by Shinhan Finance Mastercard THE FIRST.
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC_iPhone16_Hoang-Ha-Mobile_2024.pdf" target="_blank" rel="noreferrer noopener">here </a>for more information on the programs’ terms and conditions.
With its modern design, cutting-edge technology, and outstanding performance, the iPhone 16 is certainly the perfect choice for tech enthusiasts. And there is no better occasion to own this flagship device with from Shinhan Finance.
Throughout the past 18 years, Shinhan Finance has strived to provide flexible and optimal financial solutions, helping our customers realize their plans and dreams. These achievements have been made possible not only by our strategic vision and professional team but also by the invaluable support from our customers.
This special promotion is our heartfelt thank you to all our customers, as well as a milestone in our journey towards "Let’s to Great", aiming for even greater success in the future.
Sincerely,
Shinhan Finance.

Nhân dịp kỷ niệm 18 năm thành lập và phát triển, Shinhan Finance xin gửi lời cảm ơn sâu sắc đến tất cả Quý Khách Hàng đã tin tưởng và đồng hành cùng chúng tôi trong suốt chặng đường đầy tự hào này. Với mong muốn tri ân Quý khách hàng, Shinhan Finance hợp tác cùng Hoàng Hà Mobile mang đến chương trình ưu đãi hấp hẫn.

Discount of VND 2,000,000 when purchasing iPhone 16 at Hoang Ha Mobile with Shinhan Finance credit card

Grateful to customers who have been loyalty and trust in Shinhan Finance over the past 18 years since the brand's presence in the Vietnamese market, Shinhan Finance has partnered with the e-wallet platform ZaloPay to offer customers an incredibly attractive promotion. Specifically:
From 10:00am on Oct 1, 2024, to Oct 31, 2024, customers who pay their loan or credit card balance on the iShinhan app of Shinhan Finance and select the payment method via the ZaloPay e-wallet, then enter the code SVFC20K, will receive an instant discount of 20,000 VND on bills of 1,000,000 VND or more.
Payment Instructions:
<ul><li>Step 1: Log in to iShinhan, select “Credit Card” or “Loan” that is due for payment.</li><li>Step 2: Choose to pay using the ZaloPay e-wallet and follow the instructions.</li><li>Step 3: Enter the promotion code SVFC20K -&gt; confirm -&gt; check the promotion details -&gt; Use Now.</li><li>Step 4: Press “Confirm Transaction” to complete.</li></ul>
Notes:
• Each customer can receive the promotion once during the entire program.
• The program may end earlier than expected if the budget is exhausted or the program duration ends, whichever comes first.
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/10_2024-TnC_SVFCxZLP.pdf" target="_blank" rel="noreferrer noopener">here</a> for more information on the programs’ terms and conditions.
Let’s create an account on the iShinhan app to experience the full range of utilities and incentives.
<figure><img src="/assets/news/iShinhan.png" alt="" /></figure>
Shinhan Finance

Grateful to customers who have been loyalty and trust in Shinhan Finance over the past 18 years since the brand's presence in the Vietnamese market, Shinhan Finance has partnered with the e-wallet platform ZaloPay to offer customers an incredibly attractive promotion

Discount directly of VND 20,000 when making Shinhan Finance payment via ZaloPay

Thank you for trusting and accompanying Shinhan Finance throughout the past time. Shinhan Finance is pleased to offer our valued customers, who meet the conditions (*), participation in the Shurprise Birthday Program:
Each eligible customer will receive a gift worth 500,000 VND. 
(*) Customers will receive an SMS, followed by a call from Shinhan Finance Customer Service Department to confirm the information and the gift collection location.
For more details, please refer to the terms and conditions of the “<a href="https://shinhanfinance.com.vn/assets/promotionTag/SVFC-The-le-CT-tri-an-chuc-mung-sinh-nhat-khach-hang-ngay-10.10.pdf" target="_blank" rel="noreferrer noopener">Celebrating the 18th year of Company – Shurprise happy birthday Shinhan Finance customer</a>”. 
Once again, Shinhan Finance would like to thank you and wish you a happy birthday.

Thank you for trusting and accompanying Shinhan Finance throughout the past time. Shinhan Finance is pleased to offer our valued customers, who meet the conditions(*), participation in the Shurprise Birthday Program

Celebrating the 18th year of Company – Shurprise happy birthday Shinhan Finance customer

Are you ready to take advantage of the iPhone 16 upgrade offer with Shinhan Finance?
From September 27, 2024, to October 27, 2024, our valued customers will receive an e-voucher worth up to 200,000 VND when making purchase iPhone 16 on installment plans through Shinhan Finance. The details are as follows:
Prize structure: <ul><li>Receive an e-voucher worth VND 150,000 for each installment loan contract with a 0% interest rate or special interest rate(*).</li><li>Receive an instant e-voucher worth VND 200,000 for each installment loan contract with a standard interest rate.</li></ul>
<ul><li>The program applies to installment loans with a minimum value of VND 12,000,000, and loans must be successfully disbursed by Shinhan Finance no later than October 31, 2024.</li><li>Applicable when customers purchase on installment plans at stores within Cellphone S, Di Động Việt, and Minh Tuấn Mobile networks nationwide.</li></ul>
For more details, please refer to the terms and conditions of the "Upgrade to iPhone 16 with Ease through Shinhan Finance" program.
(*) The special interest rate is a preferential rate of 0.99% per month.
Along with the offter from the program, Shinhan Finance also brings many other benefits with conditions to own iPhone 16 easily and safely:
<ul><li>Flexible term up to 48 months;</li><li>No application fee, no appraisal fee, and any other additional fees.</li></ul>
Shinhan Finance.

From September 27, 2024, to October 27, 2024, our valued customers will receive an e-voucher worth up to 200,000 VND when making purchase iPhone 16 on installment plans through Shinhan Finance.

Upgrade to iPhone 16 with Shinhan Finance

Super Typhoon Yagi is a historic storm with terrifying devastation that has left behind serious consequences. Understanding the difficulties of customers in areas affected by the storm, Shinhan Vietnam Finance Company Limited (Shinhan Finance) officially introduces the Privileged Loan Interest Rate Program(*) to accompany customers during recovery and stabilization after the storm.
Accordingly, for individual customers living in provinces within the areas specified in this Program, if submit applications for unsecured loans (Personal Loan and Loan for Living Need) from September 16, 2024 until October 15, 2024, Shinhan Finance reduces interest rates by 2% for all contracts with loan terms of over 24 months, if approved. 
Shinhan Finance's Privileged Loan Interest Rate Program not only helps reduce the financial burden for customers, but also affirms our long-term commitment to serve community in Vietnam, " A Better World through Finance" as the compassionate finance mission that the Company always aims for.
In the face of complicated developments of storms and floods, more than ever, Shinhan Finance wishes the best and peace to our customers.
Customers interested in the Program can contact Shinhan Finance Branches/Service Introduction Points nationwide, or the online channels below, for more details and direct advice.
Contact Information:
- Hotline: <a href="tel:19002054542049">1900 5454 49</a>
- iShinhan application: <a href="https://ishin.onelink.me/MfNr/gim4k4n6" target="_blank" rel="noreferrer noopener">iShinhan</a>
- Fanpage Official of Shinhan Finance: <a href="https://www.facebook.com/shinhanfinance.official.vietnam" target="_blank" rel="noreferrer noopener">Fanpage Shinhan Finance</a>
- Zalo Official Account of Shinhan Finance: <a href="https://bit.ly/ShinhanFinance-Zalo-official?fbclid=IwZXh0bgNhZW0CMTAAAR0MnDEOrUJTn1rWd1WZ29icPAKY78Ng2n7M7IUCIz2lyOI6x764Z1Fp_9A_aem_UkLxjF9-Ii9oEPvHxUmRcw" target="_blank" rel="noreferrer noopener">Zalo Official Account Shinhan Finance</a>
(*)
<a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-chuong-trinh-giam-lai-suat-vung-lu.pdf" target="_blank" rel="noreferrer noopener">Detailed Privileged Loan Interest Rate Program (Yagi Typhoon)</a> 

Shinhan Finance

Super Typhoon Yagi is a historic storm with terrifying devastation that has left behind serious consequences. Understanding the difficulties of customers in areas affected by the storm, Shinhan Vietnam Finance Company Limited (Shinhan Finance) officially introduces the Privileged Loan Interest Rate Program(*) to accompany customers during recovery and stabilization after the storm.

2% INTEREST RATE REDUCING TO SUPPORT CUSTOMERS AFFECTED BY TYPHOON YAGI

From September 07, 2024, to December 31, 2024, Shinhan Finance offers an special deals specifically for THE FIRST cardholders when shopping on Shopee and entering the. Details:
<ul><li>Offer 1: Direct discount of VND 100,000 for bill from VND 800,000 when enter code SVFC100 at Shopee website or app, applicable for bill paid by THE FIRST credit card on every day (exclude special days of offer 2).</li></ul>
 Each Shopee customer (based on the User ID purchased at Shopee with 01 Shinhan Finance credit card) eligible for 04 times per month.
<ul><li>Offer 2: Direct discount of VND 200,000 for bill from VND 1,200,000 when enter code SVFC200 at Shopee website or app, applicable for bill paid by THE FIRST credit card on special days 03/03; 25/03; 04/04; 25/04; 05/05; 25/05; 06/06; 25/06; 07/07; 25/07; 08/08; 25/08; 09/09; 25/09; 10/10; 25/10; 11/11; 25/11; 12/12; 25/12.</li></ul>
 Each customer (based on the User ID purchased at Shopee with 01 THE FIRST credit card) eligible for 01 (once) time per special day.
Note: Applicable simultaneously with the program " <a href="https://shinhanfinance.com.vn/en/news/post/103639/luot-shopee-san-ngay-deal-xin-cung-the-tin-dung-the-first" target="_blank" rel="noreferrer noopener">Enjoy exclusive Shopee deals with THE FIRST credit card</a>"
 For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Shopee-Campaign-1.9.2024-31.12.2024.pdf" target="_blank" rel="noreferrer noopener">here</a>.
Furthermore, customers will also enjoy THE FIRST’s outstanding features when making purchase transactions like:
<ul><li>“Buy first, pay later” with interest free period up to 45 days.</li><li>Flexible installment with 0% interest rate.</li><li>Unlimited accumulated bonus points with 0.5% of the transaction amounts.</li><li>Easy management and flexible use of card features via iShinhan app.</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions">here</a> (https://shinhanfinance.com.vn/en/shinhan-zone).
Shinhan Finance

From September 01, 2024, to December 31, 2024, Shinhan Finance offers an special deals specifically for THE FIRST cardholders when shopping on Shopee and entering the.

Special Deals on Shopee from Shinhan Finance credit card

From September 1st to December 31st, 2024, THE FIRST cardholders can be enjoyed delicious meals by ordering on ShopeeFood with Shinhan Finance special offer.
Specifically, THE FISRT cardholders will be received a discount when ordering tasty meals on ShopeeFood application or ShopeeFood on the Shopee application and making a payment by THE FIRST credit card:
<ul><li>VND 60,000 for bills from VND 180,000</li><li>VND 100,000 for bills from VND 300,000.</li></ul>
Each customer (based on the User ID purchased at Shopee/ ShopeeFood with 01 THE FIRST credit card) eligible for 01 (once)/code/week.
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-ShopeeFood-Campaign-1.9.2024-31.12.2024.pdf" target="_blank" rel="noreferrer noopener">here</a>.
Furthermore, customers will also enjoy THE FIRST’s outstanding features when making purchase transactions like:
<ul><li>“Buy first, pay later” with interest free period up to 45 days.</li><li>Flexible installment with 0% interest rate.</li><li>Unlimited accumulated bonus points with 0.5% of the transaction amounts.</li><li>Easy management and flexible use of card features via iShinhan app.</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/card-promotions" target="_blank" rel="noreferrer noopener">here</a>
 
Shinhan Finance

From September 1st to December 31st, 2024, THE FIRST cardholders can be enjoyed delicious meals by ordering on ShopeeFood with Shinhan Finance special offer.

Enjoy delicious meals on ShopeeFood with Shinhan Finance special offer

From 10:00AM on Aug 1st, 2024, to Aug 31st, 2024, customers who enter SVFC20K
will receive an instant discount of 20,000 VND on bills of 1,000,000 VND or more when making loan repayments or credit card debt payments on the iShinhan application using the ZaloPay e-wallet.
Payment Instructions:
<ul><li>Step 1: Log in to iShinhan, select “Credit Card” or “Loan” that is due for payment.</li><li>Step 2: Choose to pay using the ZaloPay e-wallet and follow the instructions.</li><li>Step 3: Enter the promotion code SVFC20K -&gt; confirm -&gt; check the promotion details -&gt; Use Now.</li><li>Step 4: Press “Confirm Transaction” to complete.</li></ul>
Notes:
• Each customer can receive the promotion once during the entire program.
• The program may end earlier than expected if the budget is exhausted or the program duration ends, whichever comes first.
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC_SVFCxZLP_092024.pdf" target="_blank" rel="noreferrer noopener">here</a> for more information on the programs’ terms and conditions.
Let’s create an account on the iShinhan app to experience the full range of utilities and incentives. 
<figure><img src="/assets/news/Link-iShinhan.png" alt="" /></figure>
 
Shinhan Finance

From 10:00AM on Aug 1st, 2024, to Aug 31st, 2024, customers who enter SVFC20K will receive an instant discount of 20,000 VND on bills of 1,000,000 VND or more when making loan repayments or credit card debt payments on the iShinhan application using the ZaloPay e-wallet.

Making repayment via ZaloPay on iShinhan, Getting 20,000 VND Off

Dear Valued Customers, 
Shinhan Vietnam Finance Company Limited sincerely announces to our valued customers the National Day holiday schedule on September 2nd as follows:
<ul><li>From Monday, Sep 2nd ,2024 to the end of Tuesday, Sep 3rd, 2024: Closed for Holiday</li><li>Wednesday, Sep 4th, 2024: Re-open for business</li></ul>
We strongly recommend our Customers leverage available tools and resources for 24/7 Customer supports as follows:
<ul><li>Mobile app iShinhan. <a href="https://youtu.be/ddQGnoJv9RY" target="_blank" rel="noreferrer noopener">Click here</a> for a quick user guide. </li><li>Interactive Voice Response service 24/7 via our Hotline 1900 5454 49 (Press 1)</li></ul>
Shinhan Finance respectfully announces and sends customers and partners best wishes for joyful and happy holidays.
Sincerely, 
Shinhan Finance

Shinhan Vietnam Finance Company Limited sincerely announces to our valued customers the National Day holiday schedule on September 2nd as follows:
•	From Monday, Sep 2nd ,2024 to the end of Tuesday, Sep 3rd, 2024: Closed for Holiday
•	Wednesday, Sep 4th, 2024: Re-open for business

HOLIDAY CLOSING ANNOUNCEMENT - National Day Holiday on September 2nd,2024

Ho Chi Minh City – August 15th, 2024 is an important milestone that subsidiaries of Shinhan financial ecosystem in Vietnam officially moved to a new common building. This is considered as a new stride in the journey of developing and sharing prosperity of Shinhan Financial Group with Vietnam’s market, towards the mission of “A better world through finance”.
Accordingly, the diverse Shinhan financial ecosystem in Vietnam, which includes five subsidiaries: Shinhan Bank, Shinhan Finance, Shinhan Life, Shinhan Securities and Shinhan DS, was officially relocated at The Mett Building of Thu Thiem New Urban Area, Thu Duc City. Thu Thiem is planned to become Vietnam's major financial center, focusing on the Fintech model and digital banking, and will serve as a magnet for investors in the infrastructure, commercial, and service sectors, from Government plans.
<figure><img src="/assets/news/Co-Location-LInkedIn-1.png" alt="" /></figure>
The Shinhan Financial Group’s journey of sustainable bonding and development in Vietnam’s market began in 1993 when Shinhan Bank – one of Shinhan Financial Group Korea’s subsidiaries established its representative office in Ho Chi Minh City. After more than 30 years of establishment and development, Shinhan Bank has affirmed its solid position in Vietnam’s market and successfully built up the image of “A foreign bank for Vietnamese people”, as well as became a trusted financial partners accompanying million customers.
In addition to the banking sector, in 2015, Shinhan Securities (Korea) acquired Nam An Securities Company and established Shinhan Securities, marking solid strides in the Vietnam’s stock market. In 2018, Shinhan DS – a company with advanced information technology of Korea presented in Vietnam. Entering 2019, Shinhan Finance officially became a member of Shinhan financial ecosystem in Vietnam through Shinhan Card Korea’s acquisition of Prudential Finance Company. With the presence of Shinhan Finance, Shinhan could further expand its consumer financial service sector. In 2021, Shinhan Life was granted to establish and operate by Ministry of Finance, completing the 05 subsidiaries in Vietnam, connecting and towards a joint target in building a “More friendly, More secured, More creative” financial ecosystem. 
<figure><img src="/assets/news/Co-Location-LInkedIn-2.png" alt="" /></figure>
Towards the future, Vietnam is still one of potential markets that Shinhan Financial Group desires of conquering, where has favorable conditions for development in the financial and banking industry, as well as friendly policies of the Government towards foreign enterprises. Therefore, the reunion of subsidiaries at the new building demonstrates “One Shinhan” spirit of Shinhan financial ecosystem in Vietnam, in order to enhance overall strength, build up a diversified and sustainable financial ecosystem, optimally meeting demand of different customer segments. Simultaneously, it once again affirms Shinhan Financial Group’s sustainable bonding commitment to Vietnam’s market in the next stage.
Representative of Shinhan Financial Group stated: “The reunion of 5 subsidiaries of Shinhan financial ecosystem in Vietnam in a common building creates a stronger connection. This is more than just a geographical change, but also carry the meaning of unity of our vision and the creation of diverse financial ecosystem, and is commitment of Shinhan Financial Group in striving to bring to customers more comprehensive and creative financial services, contributing to the development of Vietnam’s financial industry”. 
_____________
ABOUT SHINHAN FINANCIAL GROUP
Shinhan Financial Group (SFG) is the leading financial group in Korea established on the platform of Shinhan Bank Korea (SHBKR), Shinhan Investment Fund and Shinhan Investment Management Company. SFG is listed on the Korea Exchange (KRX) and New York Stock Exchange (NYSE). Until now, SFG has 15 direct and 33 indirect subsidiaries, operating in 20 countries. Both SFG and SHBKR have been named domestic systemically important banks (D-SIBs) by the Financial Services Commission for 2025.
Business strategy of SFG is to provide customers with diversified, convenient and worthy services through specialized and effective allocation. Besides, the Group has constantly strived to diversify business scope, as well as updated the latest financial technologies to become the leading financial group in the world.
The Shinhan financial ecosystem in Vietnam includes 5 subsidiaries: Shinhan Bank Vietnam, Shinhan Finance Vietnam, Shinhan Securities Vietnam, Shinhan Life Vietnam and Shinhan DS Vietnam. With One Shinhan spirit, SFG desires of building a “More friendly, More secured and More creative” financial ecosystem in Vietnam’s market through general strength of subsidiaries, thereby completing the mission of “A better world through finance”.

Ho Chi Minh City – August 15th, 2024 is an important milestone that subsidiaries of Shinhan financial ecosystem in Vietnam officially moved to a new common building. This is considered as a new stride in the journey of developing and sharing prosperity of Shinhan Financial Group with Vietnam’s market, towards the mission of “A better world through finance”.

A New Stride Of Shinhan Financial Group In Affirming Its Sustainable Bonding Commitment In Vietnam

Following the first phase of the “Shinhan Finance Always Listens to You” program, Shinhan Finance is continuing with the second phase to provide the best service experience to our valued customers. Shinhan Finance sincerely hopes to receive even more feedback from our customers. Specifically:
From Aug 16, 2024, to Sep 15, 2024, Shinhan Finance will invites our customer participate in a telephone survey
After that, Shinhan Finance presents a gift of 01 E-voucher worth 100.000 VND (*) to our customers who join in and complete the survey.
Note:
<ul>
 <li>Each customer is eligible to receive only one gift throughout the duration of the program.</li>
 <li>Participation in this survey program does not restrict customers from engaging in other Shinhan Finance survey programs during the same period.</li>
</ul>
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC_CI-Research-Project-_Program2.pdf" target="_blank" rel="noreferrer noopener">here.</a>
(*) The gift will be directly sent to the customer via their mobile phone message (SMS).
 
Shinhan Finance

Tiếp nối chương trình “Bạn nói, Shinhan Finance lắng nghe” đợt 1, Shinhan Finance tiếp tục triển khai đợt 2 mong tiếp tục nhận được thêm nhiều ý kiến đóng góp của Quý khách hàng hơn nữa nhằm mang đến những trải nghiệm dịch vụ tốt nhất cho Quý khách hàng

Customer Survey Program “Shinhan Finance Always Listens to You” phase 2

Happy Vietnam Nation Day 2/9!
Our valued customers will be offered exclusive privileges for Shinhan Finance cardholders through the program “Happy holiday, Happy gifts from Shinhan Finance”.
From August 9, 2024, to September 15, 2024, Shinhan Finance credit cardholders who spend on purchasing flight tickets and booking hotel rooms domestically and internationally will have the opportunity to both enjoy a festive holiday trip with family and friends and receive many attractive rewards, specifically:
Offer 1:
<ul><li>Receive 1,000 SkyPoint points (1)
for the FIRST-TIME customer with eligible spending of 1,000,000 VND or more.</li></ul>
Offer 2:
<ul><li>Receive SkyPoint points for customers with total eligible spending during the program period, detailed as follows:</li><li>Receive 1,000 SkyPoint points for total spending from VND 2,000,000 to under VND 3,000,000.</li><li>Receive 1,500 SkyPoint points for total spending from VND 3,000,000 to under VND 5,000,000.</li><li>Receive 2,500 SkyPoint points for total spending of VND 5,000,000 or more.</li></ul>
(1) SkyPoint points are reward points that can be redeemed for:
<ul><li>Flight tickets and other aviation services of VietJet Air, such as 2,500 SkyPoint points for a flight from HCM to Da Lat, etc.; AND</li><li>Discounts and physical rewards at over 250 well-known brands in Vietnam, such as Highland Coffee, Shopee, Guardian, Viettel, Phúc Long, Pharmacity, Xanh SM, etc., on Vietjet's SkyJoy app.</li></ul>
The SkyPoint recharge code will be sent by Shinhan Finance once only via the customer's registered SMS within 30 days from the end of the program.
Guide to Earning SkyPoint Points
Step 1: Download the SkyJoy app, create an account with your phone number and log in
Step 2: On the home page, select "Earning"
Step 3: In the points accumulation page, select "Point Code"
Step 4: Enter “point code to redeem SkyPoint” and click “Submit”
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/The-le-CT-chi-tieu-dich-vu-du-lich-va-ve-may-bay.pdf" target="_blank" rel="noreferrer noopener">“Happy holiday, Happy gifts from Shinhan Finance”</a>. Shinhan Finance

From August 9, 2024, to September 15, 2024, Shinhan Finance credit cardholders who spend on purchasing flight tickets and booking hotel rooms domestically and internationally will have the opportunity to both enjoy a festive holiday trip with family and friends and receive many attractive rewards.

Happy holiday, Happy gifts from Shinhan Finance

Shinhan Finance is pleased to announce that:
From August 01, 2024, Shinhan Finance have a special offer for Auto loan that reduce interest rate by 0.5% (*) when customers apply for a car loan at the Branches of Truong Hai Auto Corporation and Subsidiaries of Thaco Auto Company Limited (THACO).
Further to that, our valued customers feel secure about their long-term financial plans and realize your dream of owning a car.
This program is only applicable to purchase through showroom as defined in <a href="https://shinhanfinance.com.vn/assets/promotionTag/SVFC_DS-cua-hang-ap-dung_082024.pdf" target="_blank" rel="noreferrer noopener">here</a>.
(*) 0.5% interest rate/ year and applicable throughout the loan term.
Furthermore, the program "Shinhan Finance reduces 0.6% fixed interest rate for car loan customers" which was applied from March 10, 2022, has expired as of July 31, 2024.
Shinhan Finance sincerely thanks our valued customers for their trust and support during this period.
Shinhan Finance.

Từ ngày 01/08/2024, Shinhan Finance sẽ triển khai ưu đãi mới với mức giảm 0.5% lãi suất (*) khi Quý khách hàng vay vốn mua ô tô tại các Chi nhánh của Công ty Cổ phần Ô tô Trường Hải và Công ty con của Công ty TNHH Thaco Auto (THACO).

Auto loan special offer from Shinhan Finance – reducing interest rate by 0.5%

From Jul.2024, Shinhan Finance implements an expanded auto loan package that aims to meet the demand for purchasing Car with transportation business purpose, such as passenger transport and freight services. Specially:

- Applicable customer: 
 + Individual customers who own passenger transportation household and buy cars to transport passengers on routes or under contracts; OR
 + Individual customers who buy cars to operate technology taxis.

- Applicable car mode: Passenger cars, 16 seats or less and small struck, cargo capacity of 2.5 tons or less.
- Loan amount up to 75% car value.
- Loan tenure up to 72 months


Additionally, Shinhan Finance continues to offer a variety of auto loan package to meet different customer needs, such as a fixed interest rate packages, balloon payment packages, and hybrid interest rate packages with a fixed interest rate of just 7.49%/year for the first 6 months.
With this expanded auto loan package, Shinhan Finance aims to provide our valued customers with timely, optimal financial support options. Additionally, Shinhan Finance always ensure professionalism, efficiency, and transparency in all aspects of our consulting, appraisal, and customer service processes.

Shinhan Finance.

From Jul.2024, Shinhan Finance implements an expanded auto loan package that aims to meet the demand for purchasing Car with transportation business purpose, such as passenger transport and freight services.

Shinhan Finance implements a new auto loan package with transportation business purpose

From 10:00am on Aug 1, 2024, to Aug 31, 2024, customers who pay their loan or credit card balance on the iShinhan app of Shinhan Finance and select the payment method via the Zalopay e-wallet, then enter the code SVFC20K, will receive an instant discount of 20,000 VND on bills of 1,000,000 VND or more.
Payment Instructions:
<ul><li>Step 1: Log in to iShinhan, select “Credit Card” or “Loan” that is due for payment.</li><li>Step 2: Choose to pay using the Zalopay e-wallet and follow the instructions.</li><li>Step 3: Enter the promotion code SVFC20K -&gt; confirm -&gt; check the promotion details -&gt; Use Now.</li><li>Step 4: Press “Confirm Transaction” to complete.</li></ul>
Notes:
<ul><li>Each customer can receive the promotion once during the entire program.</li></ul>
<ul><li>The program may end earlier than expected if the budget is exhausted or the program duration ends, whichever comes first.</li></ul>
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Chuong-trinh-thang-08-ZLP-Final.pdf" target="_blank" rel="noreferrer noopener">here</a> for more information on the programs’ terms and conditions.
Let’s create an account on the iShinhan app to experience the full range of utilities and incentives.
<figure><img src="/assets/news/QR-Code-iShinhan.png" alt="" /></figure>
Shinhan Finance

From 10:00am on Aug 1, 2024, to Aug 31, 2024, customers who pay their loan or credit card balance on the iShinhan app of Shinhan Finance and select the payment method via the Zalopay e-wallet, then enter the code SVFC20K, will receive an instant discount of 20,000 VND on bills of 1,000,000 VND or more.

Discount 20,000 VND when payment on the iShinhan app via Zalopay

Dear Valued Customers, 
Recently, fraud issues, impersonation of authorities, bank employees or credit institution employees to misappropriate assets has occurred more and more in many sophisticated forms such as:
<ul><li>Fraudsters call customers to advise on card withdrawal services, credit limit upgrades and some other services.</li><li>Require customers to scan QR codes, take photos of ID cards, provide card information/ card image/ OTP codes or access fake links to steal card/ personal information in order to misappropriate assets.</li></ul>

SHINHAN FINANCE AFFIRMS
NOT PROVIDING CUSTOMER INFORMATIONS OUTSIDE SHINHAN FINANCE
Shinhan Finance's information will be publicly communicated on official media such as:
<ul><li>Website: <a href="https://shinhanfinance.com.vn/" target="_blank" rel="noreferrer noopener">https://shinhanfinance.com.vn/</a></li><li> Zalo Shinhan Finance: <a href="https://zalo.me/2876642075659734442" target="_blank" rel="noreferrer noopener">https://zalo.me/2876642075659734442</a></li><li> Fanpage: <a href="https://www.facebook.com/shinhanfinance.official.vietnam/" target="_blank" rel="noreferrer noopener">https://www.facebook.com/shinhanfinance.official.vietnam/</a></li></ul>



SHINHAN FINANCE RECOMMENDS TO CUSTOMERS:
<ul><li>DO NOT take pictures of faces, ID cards, scan QR codes or access unknown links, unofficial links of Shinhan Finance.</li><li>DO NOT provide card information such as: full card numbers (16 digits), CVC code, OTP code, PIN code, login account or login password on iShinhan application to anyone, including employees of Shinhan Finance.</li><li>DO NOT let others borrow your card, do not save card information on your phone or any devices.</li><li>DO NOT share card or personal information on social networks to avoid people with bad intention taking advantage of your information and misappropriating assets.</li><li>In case of suspicion of information disclosure or signs of fraud, Customers can block the card immediately on the iShinhan application or contact Hotline 1900545449 (Press number 3 and then press number 0).</li></ul>
Note: To coordinate with Shinhan Finance to investigate, please save the phone number, contact person's name, department, request content from the scammer.
If there is any suspicion of fraudulent behavior, Customers need to immediately contact the authorities and notify Shinhan Finance through the following channels:
<ul><li>Hotline: 1900545449</li><li>Email: <a href="mailto:dvkh@shinhanfinance.com.vn">dvkh@shinhanfinance.com.vn</a></li></ul>

Recently, fraud issues, impersonation of authorities, bank employees or credit institution employees to misappropriate assets has occurred more and more in many sophisticated forms such as:

RECOMMENDATIONS HOW TO USE YOUR CARD SAFELY

To ensure the best quality services to our valued customers, Shinhan Finance appreciates customers who provide us with valuable feedbacks through the Customer Survey Program “Shinhan Finance always listens to you”. Specifically:
From 16’Jul 2024 to 15’Aug 2024 Shinhan Finance will conduct a survey program by directly contacting customers via phone to invite them to participate in the Telephone survey.
Shinhan Finance presents a gift of 820 E-voucher (*) to 820 customers who participate in the survey and meet the reward criteria of the program.
Note:
<ul>
 <li>Each customer is eligible to receive only one gift throughout the duration of the program.</li>
 <li>Participation in this survey program does not restrict customers from engaging in other Shinhan Finance survey programs during the same period.</li>
</ul>
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC_CI-Research-Project-_20240708_Program1_Final.pdf" target="_blank" rel="noreferrer noopener">here.</a>
(*) The gift will be delivered directly by Shinhan Finance to the customer's mobile phone message (SMS).
Shinhan Finance

To ensure the best quality services to our valued customers, Shinhan Finance appreciates customers who provide us with valuable feedbacks through the Customer Survey Program “Shinhan Finance always listens to you”. Specifically:

Customer Survey Program “Shinhan Finance always listens to you Phase 1”

Thông báo xử lý dữ liệu cá nhân (“Thông Báo”) nhằm thông báo và có được sự đồng ý của Quý khách (là chủ thể dữ liệu - “CTDL”) theo quy định tại Nghị định số 13/2023/NĐ-CP ngày 17/4/2023 của Chính phủ về bảo vệ dữ liệu cá nhân và các quy định pháp luật có liên quan khi Công ty Tài Chính Trách Nhiệm Hữu Hạn Một Thành Viên Shinhan Việt Nam, giấy chứng nhận đăng ký doanh nghiệp số 0304946247 (“SVFC”) tiến hành thu thập và xử lý dữ liệu cá nhân. Thông Báo này là một phần của các điều kiện và điều khoản điều chỉnh mối quan hệ giữa CTDL với SVFC (nếu có). Bằng việc cung cấp thông tin cho SVFC, CTDL hiểu rõ và đồng ý toàn bộ nội dung được quy định tại Thông Báo này.

Thông báo xử lý dữ liệu cá nhân

On
July 5th, 2024, Shinhan Finance organized the Good Hallyu to donate gifts to
children at the SOS Children's Village Ben Tre (333A Doan Hoang Minh Street,
Ward 6, Ben Tre City, Ben Tre Province). A total of 150 gifts (including: bags,
school supplies kits…) were presented by Shinhan Finance to support the
children's learning activities as well as the arts club activities in this
Village. 
<figure><img src="/assets/news/Untitled-design-15.png" alt="" /></figure>

Sharing
at this event, Mr. Nguyen Van Bay - Director of SOS Children's Village Ben Tre,
expressed, "These gifts will be very helpful, supplementing school
supplies for the children in the new school year."

<figure><img src="/assets/news/Untitled-design-16.png" alt="" /></figure>
 

Good
Hallyu is a cultural project combined with corporate social responsibility
activities of Korean enterprises abroad, aiming to share sustainable values and
support communities. The project was initiated and implemented by Shinhan Card
(Korea) and GFoundation in various countries worldwide, including Vietnam.

<figure><img src="/assets/news/Untitled-design-14.png" alt="" /></figure>

Over
the past 5 years, since its launch in 2019, the Good Hallyu project in Vietnam
has donated a total of 1,850 gifts (including pens, bags, school supplies kits,
books, hygiene kits, etc.) to children in various localities nationwide. 
<figure><img src="/assets/news/Untitled-design-13.png" alt="" /></figure>
As the representative unit of Shinhan Card implementing the Good Hallyu project in Vietnam, Shinhan Finance hopes that these gifts will contribute to motivating children to study, develop skills, and become responsible citizens in the future.
Shinhan Finance

On July 5th, 2024, Shinhan Finance organized the Good Hallyu to donate gifts to children at the SOS Children's Village Ben Tre (333A Doan Hoang Minh Street, Ward 6, Ben Tre City, Ben Tre Province). A total of 150 gifts (including: bags, school supplies kits…) were presented by Shinhan Finance to support the children's learning activities as well as the arts club activities in this Village.

Shinhan Finance donated 150 gifts to children at the SOS Children's Village Ben Tre

In appreciation of our esteemed customers' trust and continued use of The First credit card from Shinhan Finance, we are delighted to present an exciting gift through the “Celebrating the Journey with The First” program. The details are as follows:
From July 1, 2024, to December 31, 2024, customers using The First (*) credit card for monthly spending and meeting the reward conditions of the “Celebrating the Journey with The First” program will have the chance to receive a special gift from Shinhan Finance, including:
<ul><li>01 Urbox voucher worth 300,000 VND.</li><li>01 gift set including a tote bag, an umbrella, and a helmet with the Shinhan Finance brand.</li></ul>
Notes:
<ul><li>Each eligible customer can receive the reward only once during the program period.</li></ul>
<ul><li>The program may end earlier if the promotional budget is exhausted or the monthly program period ends, whichever comes first.</li></ul>
In addition to the special gift from the program, THE FIRST cardholders can enjoy outstanding features when shopping for goods and services, such as:
<ul><li>Flexible installment payments with 0% interest.</li><li>Unlimited reward points accumulation with 0.5% of transaction value.</li><li>"Buy now, pay later" with up to 45 days of interest-free period.</li><li>Easily manage and use flexible card features quickly through the iShinhan app.</li></ul>
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Ki-niem-hanh-trinh-cung-THE-FIRST-T7.2024.pdf" target="_blank" rel="noreferrer noopener">here.</a>
(*) Applicable to both physical and non-physical card versions.
Shinhan Finance

In appreciation of our esteemed customers' trust and continued use of The First credit card from Shinhan Finance, we are delighted to present an exciting gift through the “Celebrating the Journey with The First” program. The details are as follows:

Celebrating the Journey with The First

Dear Valued Customers/ Partners,Today, July 2nd, is a special day as we celebrate the 5th anniversary of the Shinhan Finance brand in the Vietnam’s market. On this occasion, I would like to express my heartfelt gratitude to all our esteemed customers/partners who have trusted and journeyed with Shinhan Finance throughout these years. Continuing our commitment to serving customers, the Shinhan Finance team has tirelessly worked to enhance service quality for Vietnam’s customers. In 2024, we have introduced a new tech-integrated space (Digital Counter) at District 1 Branch, launched cardless withdrawal feature on the iShinhan app, and unveiled financial support packages with combined interest rates for vehicle financing at Shinhan Finance.

In addition to our business operations, Shinhan Finance remains dedicated to community activities such as Harmony initiatives, blood donation drives, the "Good Hallyu" project, and more across the nation.

Looking ahead to the second half of this year, Shinhan Finance will continue to introduce new financial products and services tailored for Vietnam’s customers. Notably, we will introduce financial support products for university students, launch the iShinhan platform 5.0 with enhanced functionalities, bringing the new experience to customers on our upcoming digital platform. 
On the occasion of SVFC brand's 5th anniversary, Shinhan Finance collaborates with partners ZaloPay and VNPAY to offer discounts to customers when paying loans and credit card balances through the iShinhan app. Furthermore, many attractive discount programs are also launched on Shinhan Zone for Shinhan Finance credit card’s owners.

With the message "Jump to GREAT," Shinhan Finance remains committed to our journey of customer service, “contributing to a better world through of finance”, in line with our company's mission.

Warm regards,
Chun Young ILL
General Director

Dear Valued Customers/ Partners,
Today, July 2nd, is a special day as we celebrate the 5th anniversary of the Shinhan Finance brand in the Vietnam’s market. On this occasion, I would like to express my heartfelt gratitude to all our esteemed customers/partners who have trusted and journeyed with Shinhan Finance throughout these years.

General Director’ s message on the occasion of Shinhan Finance brand's 5th Anniversary

Celebrating 5 years of our brand in Vietnam, Shinhan Finance has partnered with ZaloPay to express our gratitude to customers who have accompanied Shinhan Finance over the years. Through this program, customers will receive a discount of up to 50,000 VND when paying loan or credit card balances on the iShinhan financial management app and selecting the ZaloPay payment method. Program details:
From July 1, 2024, to July 31, 2024, customers who pay their loan or credit card balance on the iShinhan app and select the payment method via the ZaloPay e-wallet, then enter the code SVFC50, will receive a 0.5% discount, up to 50,000 VND.
 Payment Instructions:
<ul><li>Step 1: Log in to iShinhan, select “Credit Card” or “Loan” that is due for payment.</li><li>Step 2: Choose to pay using the ZaloPay e-wallet and follow the instructions.</li><li>Step 3: Enter the promotion code SVFC50 -&gt; confirm -&gt; check the promotion details -&gt; Use Now.</li><li>Step 4: Press “Confirm Transaction” to complete.</li></ul>
Notes:
• Each customer can receive the promotion once during the entire program.
• The program may end earlier than expected if the budget is exhausted or the program duration ends, whichever comes first.
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC_CT-thanh-toan-ZaloPay-x-SVFC-thang-7.pdf" target="_blank" rel="noreferrer noopener">here </a>for more information on the programs’ terms and conditions.
Let’s create an account on the iShinhan app to experience the full range of utilities and incentives.
Shinhan Finance

Celebrating 5 years of our brand in Vietnam, Shinhan Finance has partnered with ZaloPay to express our gratitude to customers who have accompanied Shinhan Finance over the years. Through this program, customers will receive a discount of up to 50,000 VND when paying loan or credit card balances on the iShinhan financial management app and selecting the ZaloPay payment method. Program details:

5th Anniversary of Shinhan Finance – Get deals up to VND 50,000 when making payments on iShinhan via ZaloPay

Celebrating the 5th anniversary milestone, Shinhan Finance expresses gratitude to our valued customers for their trust and support. On this occasion, customers (*)
will have the opportunity to receive an immediate 50,000 VND discount when paying their loan on the iShinhan app of Shinhan Finance Company. Details:
From July 1, 2024, to July 31, 2024, eligible customers participating in the "The iShinhan App Gives You 50,000 VND" program who log in and successfully complete a loan payment transaction on the iShinhan mobile app will receive an immediate 50,000 VND interest rebate.
(*) Only apply for customers who receive notifications via SMS message from the Shinhan Finance to participate this promotion program.
Each customer can receive the promotion once during the entire program.
iShinhan is a mobile application that integrates comprehensive technology solutions on a digital platform. With this application, the loan and credit card payment transaction process are encapsulated with 3 steps: 
<ul><li>Step 1: Log in to the iShinhan app of Shinhan Finance and select the loan contract to be paid. 
Step 2: Select payment method.</li><li>Step 3: Authenticate to confirm payment. </li></ul>
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/The-le-CT-iShinhan-tang-ban-50K.pdf" target="_blank" rel="noreferrer noopener">here</a>.
Let’s log in on the iShinhan application to experience the full benefits and incentives.
<a href="https://www.shinhanfinance.com.vn/news/post/101602/thanh-toan-khoan-vay-tai-shinhan-finance-bang-vnpay-qr-nhan-ngay-uu-dai-15-000-vnd" target="_blank" rel="noreferrer noopener"></a>
<figure><img src="/assets/news/Link-iShinhan.png" alt="Link download iShinhan" /></figure>
Shinhan Finance

Celebrating the 5th anniversary milestone, Shinhan Finance expresses gratitude to our valued customers for their trust and support. On this occasion, customers (*) will have the opportunity to receive an immediate 50,000 VND discount when paying their loan on the iShinhan app of Shinhan Finance Company. Details:

5th Anniversary of Shinhan Finance – Special offer 50,000 VND to iShinhan application

From Jun 20, 2024, to Dec 31, 2024, Shinhan Finance customers, who make repayment via VNPAY-QR on iShinhan, will receive an attractive promotional code:
<ul><li>Enter code VNPAYSV06, get a discount of VND 15,000 for repayment from VND 1,000,000.</li><li>The promotional value will be deducted to a payment amount during a successful transaction.</li><li>Each customer (corresponding to each bank account number and/or phone number registered for Mobile Banking service) is limited to a maximum of two uses per month.</li><li>The promotional code given is not redeemable for cash or valuable items. No refund or change will be reserved.</li></ul>
Note:
<ul><li>The program is exclusively applicable to customers who settle their financial payment amounts through VNPAY-QR within iShinhan.</li><li>Offer does not apply to refunds or cancellations.</li></ul>
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC_SVFCxVNPAY_Jun-to-Dec24.pdf" target="_blank" rel="noreferrer noopener">here</a> for more information on the programs’ terms and conditions.
iShinhan is a mobile application that integrates comprehensive technology solutions on a digital platform. With this application, Customers can easily register and track the loan approval process with preeminent utilities. iShinhan is currently using the e-KYC solution applied to the loan application process in customer identification. Thanks to the support of advanced technologies, Customers reduce the steps to provide information and have a better experience with Shinhan Finance's services.
Right on the iShinhan application, customers can not only register for Shinhan Finance's loan products, but also monitor the appraisal and underwriting process of their application and loan payment.
Create a Shinhan Finance loan management account on the iShinhan application to experience the full benefits and incentives.
Scan to download iShinhan app<figure><img src="/assets/news/iShinhan.png" alt="" /></figure>
Shinhan Finance

From Jun 20, 2024, to Dec 31, 2024, Shinhan Finance customers, who make repayment via VNPAY-QR on iShinhan, will receive an attractive promotional code:

Make Shinhan Finance’s repayment via VNPAY-QR – Receive a discount of VND 15,000 phase 2

From May 24, 2024, our valued customers have an opportunity to choose and experience a financial solution package with a hybrid interest rate in addition to the fixed interest rate when applying for an auto loan at Shinhan Finance.
The hybrid interest rate loan consists of two phases: Fixed interest rate phase and Floating interest rate phase. Specifically:
<ul><li>Fixed interest rate phase: From disbursed loan until a predetermined period (as chosen by customer), the interest rate remains fixed.</li><li>Floating Rate Phase: From fixed interest rate phase ending till the loan is fully repaid, the interest rate is periodically adjusted based on the formula: Floating rate = Base rate + Margin (%).</li></ul>
Shinhan Finance’s hybrid interest rate loans:<figure><img src="/assets/news/Bảng-lãi-suất-tiếng-Anh.png" alt="hybrid interest rate - Auto Loan" /></figure>
Details:
<ul><li>The base interest rate and margin will be adjusted periodically and announced on Shinhan Finance website.</li><li>The current base interest rate is 9.62%/ year.</li><li>Applicable to a minimum loan tenure of 48 months.</li></ul>
With these two preferential loan packages, customers can save a significant amount of expenses to strengthen their financial issues during the initial borrowing period for the car. Furthermore, Shinhan Finance ensure a professionalism, quick and transparency in our consulting, appraisal and customer care services.
The opportunity to own your dream car has never been easier with Shinhan Finance's hybrid interest rate loan package!
Shinhan Finance

From May 24, 2024, our valued customers have an opportunity to choose and experience a financial solution package with a hybrid interest rate in addition to the fixed interest rate when applying for an auto loan at Shinhan Finance.

Shinhan Finance is launching an Auto loan new financial solution with Hybrid interest rate

For many borrowers, the idea of completing financial obligations early to reduce debt pressure is highly appealing. But what exactly does “loan settlement” mean, and when is the right time to proceed? This article will clarify the loan settlement process, its benefits, and the critical points to consider so you can make well-informed financial decisions. Let’s start by understanding the concept of loan settlement.

<h2>What is Loan Settlement?</h2>
<figure><img src="/assets/news/adgfasd-2.jpg" alt="Tất toán khoản vay là gì?" /></figure>
Loan settlement refers to the act of paying off the remaining loan balance in full before the original term specified in the loan agreement. When settling a loan, borrowers may incur prepayment penalties, especially for early settlements. Essentially, loan settlement allows borrowers to end their debt obligations, providing peace of mind and reducing the burden of interest payments, particularly when done strategically.
Here are some common terms related to loan settlement that borrowers should know:
<ul>
 <li>Loan settlement: Paying off the full outstanding loan balance.</li>
 <li>Early settlement: Paying off the loan before the agreed-upon term ends.</li>
 <li>On-time settlement: Settling the loan at the contract’s maturity date.</li>
 <li>Prepayment penalty: A fee charged by financial institutions for early settlement.</li>
</ul>
Despite potential prepayment penalties, borrowers often opt for early settlement due to its benefits. So, what are the advantages of settling a loan early?
<h2>Benefits of Loan Settlement</h2>
<ul><li>Reduced Financial Burden: Settling a loan early eliminates monthly repayments, reducing financial stress and freeing up funds for other priorities.</li>
 <li>Savings on Interest Costs: Interest typically constitutes a significant portion of loan expenses. Early settlement can result in substantial savings on interest payments, particularly for long-term loans.</li>
 <li>Improved Credit Profile: Early loan settlement can enhance your credit score. A strong credit history allows easier access to future loans at more favorable interest rates.</li>
</ul>
While these benefits are significant, prepayment penalties can pose a challenge, requiring borrowers to carefully evaluate their decision to settle early.
<h2>Prepayment Penalties – What Borrowers Should Know</h2>
<figure><img src="/assets/news/adgfasd-3.jpg" alt="Phí tất toán trước hạn - người vay cần biết gì?" /></figure>

Before proceeding with early loan settlement, borrowers should thoroughly understand the prepayment penalties imposed by their financial institution. These penalties are typically calculated as a percentage of the outstanding loan balance and vary based on the lender and the timing of settlement.
Prepayment penalties usually range from 1% to 5% of the remaining balance. Understanding these charges will help borrowers make more informed decisions about their finances.

<h2>Key Considerations for Loan Settlement</h2>
<figure><img src="/assets/news/adgfasd-4.jpg" alt="Những lưu ý quan trọng khi tất toán khoản vay" /></figure>
<ul><li>Evaluate Your Financial Situation: Early settlement may not always be the most optimal decision. If you have significant financial plans or profitable investment opportunities, maintaining the loan and reallocating excess funds elsewhere could yield better returns.</li><li>Review Interest Rates and Penalty Fees: Before deciding to settle your loan, calculate the costs of remaining interest versus prepayment penalties. Ensure that the penalties do not disproportionately impact your finances.</li></ul>
<h2>Steps to Settle a Loan with Financial Institutions</h2>
<figure><img src="/assets/news/adgfasd-1.jpg" alt="Các bước thực hiện tất toán khoản vay tại tổ chức tài chính" /></figure>

Settling a loan at financial institutions involves more than just making a payment. The process may differ slightly from traditional banks, including payment methods and procedural steps.
<ul><li>Contact the Financial Institution: Notify your lender of your intention to settle the loan by contacting their hotline or visiting the nearest branch. This step helps clarify settlement policies, including outstanding balances, prepayment penalties, and required documentation.</li><li>Determine the Outstanding Balance and Fees: Request a detailed statement of your current balance and any applicable fees. Knowing the final amount ensures that you can prepare the necessary funds.</li>
 <li>Choose a Payment Method:</li>
 </ul>- Direct payment at a branch: A common method that allows for immediate confirmation of payment.
- Bank transfer: A convenient option if the lender accepts payments directly to their account.
- Payment via digital wallets or financial apps: Modern institutions may provide digital payment options for added convenience.
 Verify and Retain Settlement Documentation: After making the payment, ensure you receive a confirmation receipt or settlement certificate. Carefully review the details, including the payment amount, date, and updated loan status. Retain these documents for future reference.
 Check Credit Records: After settlement, verify that your loan status has been updated on credit reporting systems, such as the National Credit Information Center of Vietnam (CIC). This step ensures that your credit profile accurately reflects the loan closure.

While early loan settlement can alleviate financial burdens and save on interest, it’s essential to carefully weigh factors such as prepayment penalties, personal financial circumstances, and long-term benefits. Ensure your decision aligns with your current financial situation to maximize the effectiveness of loan settlement.
We hope this guide has provided clarity on loan settlement and the necessary considerations. Wishing you smart and optimal financial decisions!

For many borrowers, the idea of completing financial obligations early to reduce debt pressure is highly appealing. But what exactly does “loan settlement” mean, and when is the right time to proceed? This article will clarify the loan settlement process, its benefits, and the critical points to consider so you can make well-informed financial decisions. Let’s start by understanding the concept of loan settlement.

What is Loan Settlement? Key Considerations When Settling Your Loan

Enjoy an Exciting Summer with Rewards up to 50,000 VND with Shinhan Finance.
From June 1, 2024, until June 30, 2024, Shinhan Finance offers an attractive promotion for loan repayments and credit card debt payments via the iShinhan app.
Customers who enter the code SVFC50 will receive a 0.5% discount up to 50,000 VND when making loan repayments or credit card debt payments on the iShinhan app using the ZaloPay e-wallet.
Payment Instructions:
<ul><li>Step 1: Log in to iShinhan, select “Credit Card” or “Loan” that is due for payment.</li><li>Step 2: Choose to pay using the ZaloPay e-wallet and follow the instructions.</li><li>Step 3: Enter the promotion code SVFC50 -&gt; confirm -&gt; check the promotion details -&gt; Use Now</li><li>Step 4: Press “Confirm Transaction” to complete</li></ul>
Note:
• Each customer/ZaloPay account is eligible for the promotion only once during the program period.
• The program may end earlier than expected if the promotional budget is exhausted
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Chuong-Trinh-Thang-06-ZaloPay.pdf" target="_blank" rel="noreferrer noopener">here</a> for more information on the programs’ terms and conditions.
Shinhan Finance

Enjoy an Exciting Summer with Rewards up to 50,000 VND with Shinhan Finance.

PAY NOW - GET DEALS upto 50,000 VND to Shinhan Finance

Student loans may seem like the "perfect solution" for funding education, but for many young people, they can become an overwhelming burden. The monthly repayment deadlines often bring stress, and managing finances can feel like an uphill battle.
However, with a clear plan and effective repayment strategies, you can tackle your student loan with ease. Let’s explore some practical tips to help you overcome this financial challenge.
<h2>Assess Your Loan Situation</h2>
<figure><img src="/assets/news/5a4f-3.jpg" alt="Kiểm tra tình hình vay vốn" /></figure>
Before diving into repayment, take a deep breath and evaluate your loan situation. Think of your student loan as a challenge you need to understand fully to overcome. Start by listing the following key details:
<ul>
 <li>Principal Loan Amount: The original amount you borrowed.</li>
 <li>Interest Rate and Loan Term: Review the interest rate and remaining repayment period.</li>
 <li>Monthly Payment Amount: Calculate the total you need to pay each month to stay on track.</li>
</ul>
Understanding the structure of your loan will empower you to create a repayment plan and manage your finances more effectively.
<h2>Take Up Part-Time Work to Boost Income</h2>
<figure><img src="/assets/news/5a4f-4.jpg" alt="Tìm việc làm thêm để tăng thu nhập" /></figure>

Part-time jobs are a popular way for students to earn extra income. Flexible jobs not only alleviate financial stress but also provide valuable work experience for your future career. 
<h4>Suitable Jobs for Students</h4>
<table>
 <tbody><tr>
 <td width="201" valign="top">Job</td>
 <td width="220" valign="top">Estimated Income</td>
 <td width="268" valign="top">Flexibility</td>
 </tr>
 <tr>
 <td width="201" valign="top">Tutor</td>
 <td width="220" valign="top">100,000 - 200,000 VND/hour</td>
 <td width="268" valign="top">Flexible, can work from home</td>
 </tr>
 <tr>
 <td width="201" valign="top">Sales Associate</td>
 <td width="220" valign="top">20,000 - 30,000 VND/hour</td>
 <td width="268" valign="top">Evening or weekends</td>
 </tr>
 <tr>
 <td width="201" valign="top">Freelance Writing</td>
 <td width="220" valign="top">Project-based income</td>
 <td width="268" valign="top">Work from home, self-paced</td>
 </tr>
 <tr>
 <td width="201" valign="top">Online Selling</td>
 <td width="220" valign="top">Income depends on products</td>
 <td width="268" valign="top">Highly flexible, no limits</td>
 </tr>
</tbody></table>

By working diligently and consistently, you can significantly reduce your loan balance in no time.

<h2>Create a Loan Repayment Plan</h2>
<figure><img src="/assets/news/5a4f-1.jpg" alt="Lập kế hoạch thanh toán khoản vay" /></figure>

Without a clear plan, it’s easy to lose direction when repayment deadlines approach. A solid plan ensures you stay focused and committed to paying off your loan. Follow these steps to build a manageable repayment strategy:

<h3>Divide Your Budget Wisely</h3>
Establish a clear budget to avoid overspending. Use the following guideline:
<ul>
 <li>50% for Living Expenses: Includes food, rent, and utilities.</li>
 <li>30% for Loan Repayment: Make this your top priority. Avoid letting your debt pile up.</li>
 <li>20% for Savings: Even a small savings buffer can help you cover unexpected expenses.</li></ul>
<h3>Pay More Than the Minimum When Possible</h3>

If you have extra income from part-time work, use it to make early or additional payments. This reduces the interest you owe and lightens your financial burden.

<h2>Develop Good Saving Habits</h2>
<figure><img src="/assets/news/5a4f-2.jpg" alt="Hãy tiết kiệm cả khi bạn còn là sinh viên" /></figure>
Saving money is essential, whether you’re a student or a graduate. Small daily savings can accumulate into a significant amount over time when spent wisely.
Smart Saving Tips
<ul>
 <li>Avoid Unnecessary Purchases: Resist spending on expensive clothes or accessories that don’t contribute to your loan repayment goals. Avoid impulsive shopping during online sales events.</li>
 <li>Cook at Home: Home-cooked meals are not only cost-effective but often healthier and more satisfying.</li>
 <li>Travel Economically: Opt for biking, walking, or using public transportation to save on commuting costs.</li>
</ul>
Paying off student loans is just one part of your journey toward education and self-development. Don’t let financial stress diminish your drive to learn and grow. With a well-thought-out financial plan, part-time work, and mindful saving, you can effectively manage your student loan repayment.
Stay focused, stay disciplined, and you’ll soon complete this financial obligation, opening the door to a brighter and more promising future. Good luck!

Khoản vay sinh viên, nghe thì có vẻ như một giải pháp "hoàn hảo" cho việc đầu tư học tập, nhưng thật sự, với một số bạn trẻ, nó lại là nỗi ám ảnh vô cùng! Cứ mỗi tháng, đợi đến ngày thanh toán là lại thấy tim đập nhanh hơn, lo lắng không biết phải làm sao để không bị rơi vào cảnh thâm hụt tài chính.

Paying Off Student Loans: A Comprehensive Guide to Reduce Financial Stress

In a world where everything updates faster than social media, investing in yourself is no longer optional—it’s essential. Instead of saving money solely for year-end trips or shopping sprees, why not allocate a portion toward learning new skills, earning certifications, or simply improving yourself? You never know—this could be the most rewarding "investment" for your future! If you're unsure how to create a learning and personal development fund without draining your finances, this guide is here to help.

<h2>What Is a Learning and Personal Development Fund?</h2>
<figure><img src="/assets/news/5a6s4f-2.jpg" alt="Quỹ đầu tư học tập và phát triển cá nhân là gì?" /></figure>
A learning and personal development fund is a dedicated savings pool aimed at enhancing your knowledge, skills, and experiences. Unlike traditional savings set aside for travel or shopping, this fund focuses on educational activities, such as:
<ul>
 <li>Enrolling in online courses.</li>
 <li>Attending workshops or intensive training sessions.</li>
 <li>Obtaining professional certifications to boost personal value.</li>
 <li>Developing soft skills or management abilities.</li></ul>
<h2>Why Do You Need a Learning Fund?</h2>
<figure><img src="/assets/news/5a6s4f-3.jpg" alt="Vì sao bạn cần lập quỹ đầu tư học tập?" /></figure>

Investing in yourself increases your capacity for learning and skill development, creating greater career and personal growth opportunities. Here’s why this fund is essential:

<ul><li>Career Advancement Opportunities: In today’s job market, many roles require continuous learning and upskilling. A new certification or skill can make you stand out, opening doors to promotions and higher income.</li></ul>
<ul><li>Improved Self-Learning and Personal Development: Having a dedicated learning fund makes it easier to plan and pursue educational goals, fostering a habit of self-learning and boosting work efficiency.</li></ul>
<ul><li>Competitive Advantage in the Job Market: The labor market is highly competitive. Investing in high-quality certifications and courses enhances your employability and increases your value in the eyes of recruiters.</li></ul>

Now, let’s explore how to set up a learning and development fund step-by-step. 
<h2>Steps to Create a Learning and Personal Development Fund</h2>
<figure><img src="/assets/news/5a6s4f-4.jpg" alt="Các bước lập quỹ đầu tư học tập và phát triển cá nhân" /></figure>

Creating a learning fund isn’t complicated but requires commitment and perseverance. Here are the basic steps to get started:

<h3>Define Your Learning Goals</h3>

First, clearly identify your objectives. Do you want to improve a particular skill? Do you need certifications for your current or future job? Having clear goals helps you plan your learning path and allocate your budget accordingly. 
<h3>Plan Your Budget</h3>

Based on your learning goals, estimate the costs of courses, materials, and exam fees. Use the following sample budget as a guide:

<table>
 <tbody><tr>
 <td width="354" valign="top">Category</td>
 <td width="354" valign="top">Cost Range (VND)</td>
 </tr>
 <tr>
 <td width="354" valign="top">Online Courses</td>
 <td width="354" valign="top">1.000.000 - 5.000.000</td>
 </tr>
 <tr>
 <td width="354" valign="top">Professional Certifications</td>
 <td width="354" valign="top">2.000.000 - 10.000.000</td>
 </tr>
 <tr>
 <td width="354" valign="top">Books and Study Materials</td>
 <td width="354" valign="top">500.000 - 1.000.000</td>
 </tr>
 <tr>
 <td width="354" valign="top">Workshops and Training</td>
 <td width="354" valign="top">1.500.000 - 3.000.000</td>
 </tr>
 <tr>
 <td width="354" valign="top">Total Budget</td>
 <td width="354" valign="top">Around 5.000.000 - 20.000.000</td>
 </tr>
</tbody></table>
<h3>Find Suitable Courses </h3>

Explore platforms like Coursera, Udemy, or LinkedIn Learning, which offer diverse courses. Choose programs that are certified and align with your personal learning needs.

<h3>Create a Learning Schedule </h3>

Allocate specific hours for learning, especially if you’re working. A consistent schedule, such as a few hours each week, ensures steady progress and prevents last-minute cramming. 
<h2>Tips for Managing Your Learning Fund Effectively</h2>
<figure><img src="/assets/news/5a6s4f-1.jpg" alt="Lời khuyên để quản lý quỹ học tập hiệu quả" /></figure>

Setting up a learning fund is the first step, but managing it wisely is key to maximizing its value. Here are some practical tips to optimize your learning investments:

<h3>Invest Only in High-Quality Courses</h3>

The abundance of courses today can be overwhelming. Before spending money, thoroughly research the course’s quality—read reviews, check the instructor’s credentials, and review the syllabus. Avoid being swayed by flashy discounts.

<h3>Track Your Learning Progress </h3>
Avoid the "register and forget" mindset. The money you invest should motivate you to take your learning seriously. Create a study plan, such as dedicating daily or weekend slots to learning. Track your progress to see how far you’ve come and what’s left to achieve.
A small motivation tip: Reward yourself after completing milestones, such as enjoying a treat after finishing five lessons. This keeps the process engaging and enjoyable.
<h3>Evaluate and Adjust the Fund as Needed</h3>
Like any investment, your learning fund should be reviewed and adjusted regularly. If a course doesn’t meet your expectations, redirect the funds to more impactful learning activities. Flexibility ensures you stay on track and maximize your resources.
Building a learning and personal development fund is not a "luxury expense" but a long-term investment in your bright future. Every time you allocate a portion of your budget to learning, you’re laying a solid foundation of knowledge that helps you stand firm in your career and life pursuits.
Start small: identify your goals—whether it’s acquiring a new skill, earning a "premium" certification for your CV, or simply broadening your mind. Then, plan your budget and choose the right courses. With dedication and a clear strategy, you’ll soon see that investing in yourself is the most rewarding journey of all.

In a world where everything updates faster than social media, investing in yourself is no longer optional—it’s essential. Instead of saving money solely for year-end trips or shopping sprees, why not allocate a portion toward learning new skills, earning certifications, or simply improving yourself?

Building a Learning and Personal Development Fund: Prepare for Your Future

Dear Valued Customers, Based on Official Letter No. 991/QĐ-NHNN dated May 24, 2024, from the State Bank of Vietnam regarding the amendment and supplementation of the contents of the Establishment and Operation License of Shinhan Vietnam Finance Company Limited, Shinhan Vietnam Finance Company Limited would like to announce the Headquarters change that:
1. Name of the Company:
<ul><li>Vietnamese name: Công ty Tài chính TNHH Một Thành viên Shinhan Việt Nam.</li><li>Foreign name: Shinhan Vietnam Finance Company Limited</li></ul>
2. Old address: 17th
and 23rd floors, Saigon Trade Center, No 37 Ton Duc Thang, Ben Nghe Ward, District 1, Ho Chi Minh City.
3. New address: 19th floor, Tower B, Commercial and Residential Complex in Block 1-13 in Functional Zone no. 1 - No. 15 Tran Bach Dang street, Thu Thiem ward, Thu Duc city, Ho Chi Minh City.
We hope to keep receiving support from customers and will provide customers a variety of products with expected quality.
Sincerely,
Shinhan Finance<figure><img src="/assets/news/MAP.png" alt="" /></figure>

Dear Valued Customers,

Based on Official Letter No. 991/QĐ-NHNN dated May 24, 2024, from the State Bank of Vietnam regarding the amendment and supplementation of the contents of the Establishment and Operation License of Shinhan Vietnam Finance Company Limited, Shinhan Vietnam Finance Company Limited would like to announce the Headquarters change that:

Shinhan Finance announces changing the location of Headquarters

Have you ever felt like saving money is akin to “firefighting,” constantly scrambling to cover unexpected expenses? Many young people describe saving as a "distant journey," especially with traditional savings accounts that lock up your money like “packing a suitcase for a one-way trip.” But worry no more—there’s now a game-changing solution: flexible savings accounts. With these accounts, you can not only earn interest but also withdraw funds as needed without being constrained by time. It's a savings option as flexible as your free-spirited lifestyle! Let’s dive into what makes flexible savings accounts the ideal choice for young savers.
<h2>What is a Flexible Savings Account?</h2>
<figure><img src="/assets/news/54665-3.jpg" alt="Tài khoản tiết kiệm linh hoạt là gì?" /></figure>

Simply put, a flexible savings account is like a “premium emergency wallet.” You can deposit money to earn interest, but you can also withdraw it whenever unexpected needs arise—be it concert tickets, a quick getaway, or an impulsive shopping spree. Here are some standout features of flexible savings accounts:
<ul>
 <li>No Fixed Terms: Unlike traditional savings accounts where early withdrawals forfeit interest, flexible accounts let you withdraw funds “whenever your heart desires” without losing accrued interest.</li>
 <li>Variable Interest Rates: While the rates may fluctuate, they are generally higher than those of checking accounts, offering better returns while maintaining accessibility.</li>
 <li>Convenience in Financial Management: You can add money anytime without worrying about minimum balance requirements. Regular monthly contributions can quickly build a substantial emergency fund.</li>
</ul>
This account is perfect for those who want to save without feeling restricted, particularly young individuals with irregular incomes who want to both accumulate savings and maintain spending flexibility.
 
<h2>Advantages of Flexible Savings Accounts </h2>
<figure><img src="/assets/news/54665-4.jpg" alt="Ưu điểm của tài khoản tiết kiệm linh hoạt" /></figure>
In an era of increasing consumer and investment needs, flexible savings accounts offer numerous benefits:
<ul>
 <li>Ease of Withdrawal: Unlike fixed-term savings accounts, you won’t lose interest if you need to withdraw money early. This feature is especially useful for emergencies, allowing you to access your funds without forfeiting all accrued interest.</li>
 <li>Higher Interest Rates than Checking Accounts: While the rates may not match those of long-term fixed savings accounts, flexible savings accounts still provide significantly better returns than checking accounts. This helps you optimize idle funds instead of leaving them unproductive.</li>
 <li>Simplified Financial Management: With flexible savings accounts, you can easily deposit or withdraw money as needed without restrictions, making monthly cash flow management more efficient and hassle-free.</li></ul>
<h2>Why Are Flexible Savings Accounts Ideal for Young People?</h2>
<figure><img src="/assets/news/54665-1.jpg" alt="Những lý do giới trẻ nên chọn tài khoản tiết kiệm linh hoạt" /></figure>
Young people today are increasingly opting for flexible savings products to align with their modern lifestyles and fluctuating financial needs. Here’s why flexible savings accounts are a smart choice:
<h3>Suitable for Irregular Incomes</h3>
Many young people, particularly freelancers or startup founders, often have inconsistent monthly incomes. Flexible savings accounts allow them to “save bit by bit” without the pressure of regular contributions.
<h3>Preparation for Unexpected Plans</h3>

Life is full of surprises, and a flexible savings account ensures you’re ready for emergencies. With just a few taps on a financial app, you can access your funds instantly when needed.

<h3>Flexibility in Financial Decisions</h3>

Not everyone has clear long-term financial plans, especially when they’re young. A flexible savings account offers the freedom to decide when to deposit or withdraw money based on personal needs, without being tied to fixed terms.

<h2>Tips for Using Flexible Savings Accounts Effectively</h2>
<figure><img src="/assets/news/54665-2.jpg" alt="Những lưu ý khi sử dụng tài khoản tiết kiệm linh hoạt" /></figure>
While flexible savings accounts offer many advantages, there are a few considerations to ensure you get the most out of them:
<ul>
 <li>Monitor Interest Rates Regularly: Interest rates for flexible savings accounts can change over time. Check rates periodically to decide when to deposit more or withdraw funds.</li>
 <li>Limit Frequent Withdrawals: Although these accounts allow for unrestricted withdrawals, frequent transactions can reduce the benefits of compounding interest. Try to leave your money untouched for at least a few months to maximize returns.</li>
 <li>Not Suitable for Large Investments: Flexible savings accounts are a safe savings option but not ideal for rapid wealth growth. If you’re looking for investment opportunities, consider alternatives like stocks or mutual funds.</li>
</ul>
With flexible savings accounts, saving money is no longer a daunting challenge that "sounds easy but feels impossible." These accounts are your true financial companion, allowing you to save while enjoying the freedom to spend when needed—be it an impromptu shopping spree or a last-minute weekend getaway.
Start building your “mini reserve fund” today to make life less stressful. You'll soon realize that saving is not only a way to "secretly grow wealth" for your future but also a confidence booster to live fully in the present.

Have you ever felt like saving money is akin to “firefighting,” constantly scrambling to cover unexpected expenses? Many young people describe saving as a "distant journey," especially with traditional savings accounts that lock up your money like “packing a suitcase for a one-way trip.” But worry no more—there’s now a game-changing solution: flexible savings accounts.

Flexible Savings Accounts: An Effective Financial Solution for Young People

Currently, many individuals and organizations use advanced technology to collect personal information and data, causing significant harm to customers.