Limit of transactions via e-wallet according to new regulations

Lawyer Nguyen Thi Thuy, YouMe Law Firm, replied:

Section 1, Article 10 of Parameter 41/2025/TT-NHNN of State-owned enterprises (effective from November 5, 2025) stipulates the limit of transactions via e-wallets as follows:

The total limit for transactions via personal e-wallets of 01 customer at 01 e-wallet service provider (including money transfer transactions and payments according to the provisions of Point b, Point c, Point d, Point d, Clause 2, Article 25 of this Information) is a maximum of 100 million VND in a month.

This regulation does not apply to individuals with e-wallets of people who have signed or agreed to act as payment acceptors for e-wallet service providers.

For personal e-wallets of 01 customer at 01 organization providing e-wallet services, in addition to the limit specified in account 1 of this Article, e-wallet service providers are determined to have additional limits for payment transactions including: Online payment on the National Public Service Portal; electricity; water; Telecommunications; fees, prices, service fees related to road vehicle information activities; tuition fees; libraries; social insurance and health insurance premiums; insurance premiums according to the provisions of the Law on Insurance Business; payment of due debts, overdue debts, interest and fees arising to credit institutions and foreign bank branches according to the law; However, it is necessary to ensure that the limit for these transactions does not exceed 300 million VND in a month in Vietnam.

The organization providing e-wallet services is responsible for checking, supervising and ensuring that the use of customers' personal e-wallets is in accordance with the limited organization providing e-wallet services at that level to that customer. The organization providing e-wallet services must take full responsibility in case customers use e-wallets that are not in accordance with the limits that have been provided by the organization to provide e-wallet services to customers according to the provisions of this Circular.

Thus, from November 5, 2025, the limit for electronic transactions is implemented according to the above regulations.

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