Notice of Migration to ATM Cards with EMV Chip Technology

  • atm card with emv technologyatm card with emv technology


According to Circular 41/2018/TT-NHNN by the State Bank of Vietnam (SBV), from December 2019, we will progressively replace your existing magnetic ATM cards to EMV chip technology. This is to enhance the security of your card payments.

Process to Migrate

For existing UOB ATM card holders:


Details of the Notice of Migration to ATM Cards with EMV Chip Technology can be found here


1. What is EMV?

EMV stands for Europay, MasterCard, Visa. It is the global standard for chip-based Debit and Credit Card transactions. It is a joint effort between Europay, MasterCard and Visa to ensure security and global acceptance. The EMV standard helps to maximise security and global interoperability so that Master cards and Visa cards can continue to be accepted around the world.

2. What are the benefits of an EMV chip Card?

You will be able to enjoy improved security with an EMV chip Card. The chip contains information about your account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enabled terminal at the point of sale. Your Card information is stored in the EMV chip for this new Card, making extraction of Card information by fraud syndicates more difficult as compared to the existing magnetic stripe Cards.

3. How does the EMV chip card work at the point of payment?

When an EMV chip Card is offered as a mode of payment for goods and services, it is inserted into a Smart Card reader of the terminal. Upon approval, you will sign on the approval charge slip to complete the purchase transaction.

In details, when used at merchants with chip-enabled card terminals

  • Merchants may ask you to insert your card into the terminal.
  • If you’re asked to insert the card, look for a slot on the bottom-front of the terminal and insert your card face up with the chip first.
  • Leave the card in the terminal and follow the prompts on the screen
  • Remove the card when the terminal indicates that the transaction is complete.

4. Can I use the EMV chip Card for online purchases or at ATMs?

Yes, the EMV chip Card functions in the same way as the current cards, for both online purchase and at ATMs. For ATM transaction, you will need PIN. For online purchase, you will require OTP sent from UOB Vietnam.

5. When will UOB Vietnam proceed the replacement of new chip card?

With the goal of increasing the benefits & security of using the card for customers, from December 2019, UOB Vietnam will progressively replace magnetic strip card by EMW Chip cards according to international standards.

6. When can I expect to receive my replacement EMV chip Card?

We are progressively sending out the EMV chip Cards to our Card holders. You will receive a notification SMS at least a week before you receive your replacement card(s) via our courier service. If you do not receive your replacement card(s) 2 weeks after receiving the notification, please contact our Hotline 1800599921. Alternatively, you may email us at

7. What should I do after receiving my replacement EMV chip Card?

Upon receiving the replacement EMV chip card, please sign on the acknowledgement slip and return to the courier who delivers the card to you. Otherwise, please send the acknowledgement slip to the following address:

United Overseas Bank (Vietnam) Limited
ATM Card Activation Team
Central Plaza Office Building
17 Le Duan, Ben Nghe Ward, District 1, HCMC, Vietnam

For immediate use of your ATM card, please bring the acknowledgement slip to any of our branches in Vietnam.

After receiving and verifying the slip, we will activate your new ATM card and notify you accordingly by SMS.

8. Do I need to provide my account information (i.e. card number, account number, PIN, etc.) to the courier?

Please do not provide your account information to the courier. Upon receiving the replacement EMV chip Card, please sign on the acknowledgement slip and return to the courier who delivers the card to you. Otherwise, please mail the acknowledgement slip to the following address:

United Overseas Bank (Vietnam) Limited
ATM Card Activation Team
Central Plaza Office Building
17 Le Duan, Ben Nghe Ward, District 1, HCMC, Vietnam

Please note that, the new card is packed in the sealed envelope. In case of damage or unsealed pack, please reject the package by returning it to the courier.

9. What should I do if my signature on the acknowledgement slip does not match the registered specimen or the Bank cannot verify my signature?

Your signature on the acknowledgement slip shall be the same as your specimen signature as registered with us when opening your account. In the case the Bank finds that your signature on the acknowledgement slip does not match the registered specimen or the Bank cannot verify your signature, the Bank will not activate your card. In such case, please come to our branches so that we can verify and activate your card. Please see the information of our branches on our website or contact our Hotline 1800 599 921 for further support.

10. When can I start using my replacement card?

For added security, we recommend that you start using your replacement Card immediately upon receipt of UOB SMS to inform you card activated.

11. How long does it take for my new card to be activated?

A minimum of seven (7) working days from the date of UOB Vietnam’s receipt of the duly completed and accurate acknowledgement slip.

12. What can I do if I am still unable to use my card after activation?

In case that you are unable to use the new chip card, please contact our Hotline 1800 599 921. Alternatively, you may email us at email address of call center

13. How do I know that my EMV chip card is successfully activated?

Upon the completion of card activation by UOB Vietnam, a notification SMS will be sent to your mobile phone.

14. Can I use a new ATM card that is un-activated? (To perform transactions at the ATM or POS/For online purchases)

No. An un-activated card cannot be used for any transaction.

15. What happens to my existing card upon activating my new card?

Upon activation of your new card, your existing card will be disabled. Please use your new card for future transactions.

16. What should I do with my existing card?

Upon receipt of your replacement card, please cut/shred your existing card.

17. What happens to my current PIN?

Your current PIN remains unchanged and will continue to apply to your replacement card.

18. Can I do the PIN change when receiving new card?

Yes, the new EMV chip Card is working as the same way as the current Cards. You can change PIN at any ATM machines within NAPAS network.

19. Will my card number and expiry date change with the new card?

Your card number remains unchanged. There will be a new expiry date of the new card and valid for 06 years from the date of issuance.  

20. Is there any fees imposed for the card replacement?

For this card replacement exercise from magnetic to EMV, charges will be waived by UOB Vietnam.

21. Will any previous fee (i.e. new replacement fee, etc.) be applicable or changed regarding to my new card?

No, the new card remains the same as the current one. No any additional fee charged unless prior notification sent by UOB Vietnam.

22. In case of loss or damage of the new chip card, what should I do?

In that case, firstly please contact our Hotline 1800599921 for your instant support and request to lock the card. Then follow our call center agent to request for new card issuance.

23. Do I have to pay any fee for converting from UOB-L.POINT magnetic strip card to UOB-L.POINT chip card?

UOB Vietnam will assist you to convert to UOB-L.POINT chip card for free. New card will be sent directly to the mailing address that you have registered with the bank or you come to pick up directly at UOB’s Branch.

24. Why do I need to convert to UOB-L.POINT chip card?

UOB-L.POINT chip card will help you enhance the safety and peace of mind in transactions, without the fear of being duplicated or losing data because of attaching an electronic chip to the processor like a miniature computer, be multifunctional and capable of storing important information encrypted with high security.

25. How will the accumulated L.POINT points in my old card be solved?

Your membership information and accumulated L.POINT points will be automatically converted to the UOB-L.POINT chip card by Lotte Members Vietnam Limited Company (“Lotte Members”).

26. Can I apply the benefits of the old UOB-L.POINT card when using the UOB chip card?

You will still enjoy the benefits of UOB-L.POINT magnetic stripe card when using new UOB-L.POINT chip card from time to time governed by UOB Vietnam. 


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