Joint Bank accounts: VN and Expat. Which bank?

Hi
Tried to open a joint account at ACB today. I am an Aussie with a shiny new 3 year TRC and a beautiful VN wife who is shinier than me   I was told not possible unless both parties VN nationals.

In my personal experience, ACB isn't interested in foreigners unless you need a large commercial account.

There was a little discussion a while back about a joint account and I believe those two people opened theirs at Vietcombank.

I've also been told by a number of people that TechcomBank is friendlier to foreigners.

Good luck!

O.B.

Thanks, will make some enquires.

@KKK36

Hello, it doesn't matter which bank you ask, national, private, international or digital such as TIMO.  In my opinion it's not worthy for Foreigners who are NOT working or investing in Vietnam due to the money inflow restrictions

In other hand, spouses don't need to have any specification of "joint" because everything is jointed by default if capitulations are not in the marriage certificate (landed houses is the only impossible to have in common).

Reason why I could say: It's very weird an Embassy in a country is asking for papers impossible to fulfill within that country (joint account? to legally spouses? perhaps to couples in free union).  Thus ask again, maybe your Embassy is asking for co-holders in the account. Or maybe also a sworn of marital funds could help instead.

Therefore, your wife's account balance certificate + your marriage certificate (issued no more than 3 months ago) + translated by English + notarized (and maybe AU-Embassy  will ask for VN-MOFA' stamp as well) must be enough.

What I have found out is that law changes over a year ago preclude joint accounts between VN and foreigners regardless of marital status or any other criteria.   Tried a number of banks including those suggested and HSBC.

@KKK36

I also tried this route and understood from HSBC advice referencing the central bank, both partners need to have same residential status for joint accounts, ie. 2 Vietnamese citizens, or 2 Expats (both eligible to open accounts individually), but other combinations are not eligible