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HDBANK OPEN API INTEGRATION
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Authorized access to HDBank account data under Vietnam's Circular 64 Open API framework
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INTRODUCTION
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HDBank (Ho Chi Minh City Development Joint Stock Commercial Bank) is one of Vietnam's major retail and SME banking players, distributed through its official app com.vnpay.hdbank on Android and iOS. As of 1 March 2025, Vietnam's State Bank enforces Circular 64/2024/TT-NHNN, a nationwide framework that puts customer consent and standardized Open APIs at the center of how banks share account data with third parties — with full compliance required by 1 March 2027.
For fintech teams, accounting platforms, treasury tools and payment products, this means HDBank account data — balances, statements, cards, NAPAS transfers, QR payments and more — can now be reached through authorized, consent-based integration routes. OpenBanking Studio maps these routes and delivers runnable source code and documentation so teams can build reliable, compliant HDBank integrations without starting from zero.
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SUPPORTED API FEATURES
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• Account Information Services (AIS) — balances and metadata across payment, savings, loan and credit-card accounts
• Transaction & statement retrieval — dated debit/credit history with counterparties and references
• Transfer tracking across three rails — internal HDBank transfers, NAPAS 24/7 interbank transfers, and card-to-card transfers
• Payment Initiation Service (PIS) support aligned with Circular 64 standards
• OAuth-style consent authentication (RFC 6749 / RFC 6750) with scoped, expiring access tokens
• VNPAY-QR payment history and flight-booking data reachable via the same authenticated session
• Normalized transaction schema that unifies multiple transfer rails into one consistent data shape
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USE CASES & APPLICATIONS
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[1] Accounting & bookkeeping automation
• Nightly sync of HDBank statements into SME ledgers
• Automated transaction categorization
• Audit-trail generation for VND-denominated accounts
[2] Treasury & cash management
• Daily cash-position dashboards across deposit and card accounts
• Multi-account balance monitoring
• Consolidated reporting for finance teams
[3] Payment & payout platforms
• NAPAS 24/7 transfer status tracking
• Settlement confirmation across member banks
• Payment-status reconciliation workflows
[4] Expense management & travel tools
• VNPAY-QR merchant payment capture
• Flight-booking data sync (approx. 30 domestic/international carriers)
• Automated expense-report generation
[5] Fintech & data aggregation products
• Multi-bank account aggregation alongside other Vietnamese banks
• KYC pre-fill using profile and rate data
• Consent-lifecycle management for scalable, multi-user access
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BENEFITS & ADVANTAGES
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✓ Built on Vietnam's official Circular 64 Open API regulatory framework
✓ Consent-based access respects account-holder scope and expiry
✓ Covers full account data range: balances, statements, cards, transfers
✓ Normalized schema removes the need to special-case each transfer rail
✓ Compliant with Decree 13/2023/ND-CP personal data protections
✓ Runnable source code delivered in Python or Node.js with retry & refresh logic
✓ Designed to transition smoothly from protocol analysis to standardized endpoints as they go live
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SUBSCRIPTION PLANS
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Two flexible engagement models are available:
[A] Fixed delivery — from $300 for a complete runnable integration plus documentation, settled after delivery once verified against the brief.
[B] Pay-per-call hosting — no upfront cost; OpenBanking Studio hosts the endpoints and you pay only for usage.
Typical delivery cycle: 1-2 weeks. You provide only the target app name and your data requirements.
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CONCLUSION
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HDBank sits at the center of Vietnam's evolving open banking landscape, and Circular 64 now provides a clear, regulator-backed path for reaching its account data with proper consent. Whether your project needs balance monitoring, statement sync, transfer tracking, or QR and travel-data capture, an authorized integration approach — combining live consent APIs where available with protocol analysis where they aren't yet published — delivers a durable, compliant solution today.
Start your HDBank integration project and receive OpenAPI documentation, runnable source code and a normalized transaction schema tailored to your use case.
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Visit: https://openbankingstudio.com/hdbank.html
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