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Starting with the HSBC payroll account, an Employee Banking Solution (EBS)

Sign up for HSBC payroll account now to get a comprehensive financial solution with outstanding extra benefits.

Start banking the easy way

BankSmart@work offers a comprehensive financial services package with special offers across all products. Open a payroll account with us today!


BankSmart@work offers several benefits:

For Employers

BankSmart@work helps businesses attract and retain highly sought after talents

  • Hassle free

  • Time efficient

  • No fees

  • All-in-one solution for your employees

  • Best-in-class benefits and preferences

  • Employer affinity

  • Engaging and effective working environment

For Employees

BankSmart@work helps unlock your full potential at work to achieve your career ambition

  • Easy access

  • Simplified procedures

  • No fees

  • All-in-one solution for day-to-day financial and banking needs

  • Best-in-class benefits and preferences

  • Feel confident with your employer

  • Improve quality of life for yourself and families

BankSmart@work Privilege

Payroll Account
  • Free VND domestic & overseas outward transfers through internet and HSBC mobile banking
  • Free online Bill payment service
  • Real-time sending and receiving funds (see applicable fees here)
  • Manage bank accounts with HSBC Mobile Banking
  • Non Face-To-Face account opening for Vietnamese customers
  • Only minimum or average monthly balance > VND0.00 required
Debit Card
  • Free Card issuance with Worldwide access to Visa/Plus® ATMs
  • Free cash withdrawal at all Visa/Plus® ATM network in Vietnam
  • Daily purchase limit of up to VND 60 million
  • Up to 40% discount on any spending in Vietnam and overseas
Credit Card
  • New cardholders will enjoy 1st year annual fee waiver and our latest acquisition offer. Existing customers will enjoy annual fee waiver for the next year.
  • Digital card application process
  • Up to 8% Cash Back on your spending * and a vast range of other benefits.

(*) Terms and conditions applied

Personal Instalment Loan
  • Up to 2.5% discount on interest rate
  • Loan amount up to VND900 million
  • Flexible tenor from 12 to 60 months
  • Loan disbursement within 48 hours once complete paperwork is submitted
Home Loan
  • Loan tenors of up to 25 years
  • Mortgage loan amount up to VND 12 billion
  • Up to 0.45% & 0.65% discount on fixed & variable interest rates respectively
Life Insurance
  • Range of attractive promotions on life insurance applications

Hot Promotion

Receive gifts of up to VND 100,000 when using Napas 247 and Auto Bill Payment on HSBC Mobile Banking app

Apply now

How to apply


Step 1 Click on the "Apply now" button and fill your basic information

Step 2 Guide on how to fill your application form

Step 3 Validate your form and complete eKYC via Zoom online platform (Vietnamese only)

Step 4 Get confirmation of successful account registration

Step 5 Receive Debit Card and Pin at your address registered with HSBC address

Required documents: Application form, Identification card or New Citizen Card



Receive a monthly salary of at least VND 6 million in your HSBC accounts

Frequently asked questions

Contact us

Please leave your information to one of the dedicated managers below. We will contact you at the earliest opportunity to discuss financial products you concern.