Prefunding VND payouts in Vietnam
Prefunding payouts in Vietnam means holding VND with a payout partner or a local settlement account before transfers are paid, so recipients are paid without waiting for funds to arrive. Payouts run over NAPAS 247 and VietQR (NAPAS 247 by QR). There are 12 weekday bank closures in Vietnam in the next 12 months to fund around. The rules and timings below are the ones that decide how much to hold and when to top up.
Funding rules and timing in Vietnam
- NAPAS 247 handles transfers below VND 500 million per transaction at any hour; larger payouts move to same-day CITAD, which Nium cuts off at 15:30 local time. source
- Xendit caps NAPAS payouts at VND 299,000,000 and cuts off CITAD at 2 p.m. Vietnam time, so provider limits can sit below the network limit. source
- Nium notes that banks can ask for documents on transactions above VND 250 million. source
The rails that spend the prefund
| Rail | What matters for payouts | Source |
|---|---|---|
| NAPAS 247 | Real-time transfers to cards and bank accounts, also by phone number, e-wallet and mobile money, at any time including outside office hours and at weekends, for amounts below VND 500 million per transaction. | source |
| VietQR (NAPAS 247 by QR) | QR-based NAPAS 247 transfers between accounts at 50+ member banks, 24/7, below VND 500 million per transaction. | source |
| CITAD (high-value interbank) | Used for payouts above VND 500 million; Nium processes them same day with a 15:30 local time (08:30 UTC) cut-off for supported banks. | source |
Where the prefund sits
Money for Vietnam payouts is usually held with one or more of these, each a balance to watch. The full shortlist, with sources, is on the Vietnam payments stack page.
Bank closures to fund around
Weekdays in the next 12 months when banks in Vietnam are closed. Top up before each one.
| Date | Holiday | Status |
|---|---|---|
| Tue 24 Nov 2026 | Vietnamese Culture Day (Ngay Van hoa Viet Nam) | confirmed |
| Fri 1 Jan 2027 | New Year's Day | confirmed |
| Thu 4 Feb 2027 | Tet holiday (28th day of the 12th lunar month) | confirmed |
| Fri 5 Feb 2027 | Tet holiday (eve of Lunar New Year) | confirmed |
| Mon 8 Feb 2027 | Tet holiday (3rd day of the 1st lunar month) | confirmed |
| Tue 9 Feb 2027 | Tet compensatory day | confirmed |
| Wed 10 Feb 2027 | Tet compensatory day | confirmed |
| Fri 16 Apr 2027 | Hung Kings Commemoration Day (10th day of the 3rd lunar month) | confirmed |
| Fri 30 Apr 2027 | Reunification Day (Victory Day) | confirmed |
| Mon 3 May 2027 | Labour Day compensatory day | confirmed |
| Thu 2 Sep 2027 | National Day | confirmed |
| Fri 3 Sep 2027 | National Day (second day) | confirmed |
Full list and notes: Vietnam bank holidays.
Corridors into Vietnam
| Corridor | Average cost to send | Period |
|---|---|---|
| Australia to Vietnam | 5.01% | Q3 2025 |
| Canada to Vietnam | 6.2% | Q3 2025 |
| France to Vietnam | 5.3% | Q3 2025 |
| Germany to Vietnam | 3.85% | Q3 2025 |
| United Kingdom to Vietnam | 3.95% | Q3 2025 |
| United States to Vietnam | 5.27% | Q3 2025 |
Costs are World Bank Remittance Prices Worldwide averages for sending the equivalent of US$200.
Size the prefund
Hold enough VND to cover payouts for your lead time plus every closure in that window, then top up when runway drops below target. The corridor runway calculator does the arithmetic; the glossary explains prefunding, corridor runway and liquidity buffers.
Where Polynopsis fits
Polynopsis shows the VND balance at every partner and account that funds Vietnam payouts, next to the payouts expected against it and the top-ups already in flight, and warns before the corridor runs dry, including ahead of Vietnam bank holidays.
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator