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ABBANK API INTEGRATION GUIDE
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Consented account data, transfers and FX orders from An Binh Bank under Vietnam's SBV Circular 64
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INTRODUCTION
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ABBank — the retail mobile banking app of An Binh Commercial Joint
Stock Bank (ABBANK) — sits at the center of Vietnam's new Open API
era. Since 1 March 2025, every commercial bank in Vietnam has
operated under SBV Circular 64/2024/TT-NHNN, the country's first
rulebook that puts customer-consented account APIs on a legal
footing. For businesses building personal-finance apps, SME
accounting tools, payout platforms or travel products, this means
ABBank account, transaction and transfer data can now be reached
the consented way — through Account Information Services (AIS)
and Payment Initiation Services (PIS) — rather than through
improvised workarounds.
This guide explains what ABBank data is available, how it can be
accessed under Vietnam's Open API rules, and where this kind of
integration gets used in real products. Runnable source, an
OpenAPI spec, an auth-flow report, tests and documentation are
available starting from $300, delivered through
https://openbankingstudio.com/abbank.html
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SUPPORTED API FEATURES
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• Consented Account Information Services (AIS) under SBV Circular
64 — accounts, balances and transaction history
• Payment Initiation Services (PIS) for NAPAS 247 and internal
transfers, with asynchronous settlement status tracking
• OAuth 2.0 (RFC 6749) authorization flow with FIDO-based
step-up authentication (face and fingerprint device binding)
• TLS 1.2+ secured, JSON-over-REST access aligned with ISO 20022
/ ISO 8583 compatibility
• Bill payment, phone top-up and online FX (USD banknote purchase)
order data
• Abby Family sub-account visibility for allowance and spend
monitoring
• Authorized interface integration as a fallback route for data
domains not yet exposed through published consented endpoints
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USE CASES & APPLICATIONS
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[1] Personal Finance & Multi-Bank Aggregation
• Pull ABBank balances and categorized transactions into a
single cross-bank dashboard
• Combine data with other Vietnamese banks (Vietcombank,
Techcombank, VPBank NEO, TPBank) for a unified view
• Real-time balance alerts synced into a personal-finance app
[2] SME & Business Accounting
• Nightly ABBank statement import for automatic reconciliation
• Deduplicated, cursor-based transaction feeds for ledger sync
• Cash-flow reporting built on clean, structured transaction
history
[3] Payout & Payment Initiation Platforms
• Initiate NAPAS 247 transfers from an ABBank account under PIS
• Poll or receive webhook updates for asynchronous transfer
settlement
• Automate recurring or bulk payout workflows
[4] Travel & Treasury Tools
• Read online USD banknote purchase orders and exchange rates
• Combine FX order data with spending patterns for travel
budgeting products
• Support treasury teams tracking foreign-currency positions
[5] Family & Sub-Account Oversight
• Monitor Abby Family sub-accounts for allowance disbursement
• Build spend-alert tooling for minor or dependent accounts
• Integrate family financial oversight into broader parenting
or budgeting apps
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BENEFITS & ADVANTAGES
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✓ Built on a regulated, consent-first legal basis under SBV
Circular 64 — not an unauthorized workaround
✓ Covers both AIS (read) and PIS (transfer initiation) in one
integration path
✓ FIDO device-binding and token-refresh handling modeled up front,
so sessions do not silently break
✓ Asynchronous NAPAS 247 settlement handled correctly via status
polling or webhooks, avoiding false failure states
✓ Automated tests against recorded fixtures catch app-side field
or endpoint drift before it reaches production
✓ Delivered as runnable source (Python or Node.js), OpenAPI spec,
auth-flow report and documentation — not just a proof of concept
✓ Typical delivery in one to two weeks, with payment only after
the integration runs against your account
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SUBSCRIPTION PLANS
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Two engagement models are available:
• Source-code delivery — starting at $300. Includes runnable
source, OpenAPI/Swagger specification, protocol and auth-flow
report, automated tests and documentation. Payment is due only
after delivery, once the integration runs against your account.
• Pay-per-call hosted API — no upfront fee. Call hosted endpoints
directly and pay only for the calls made, ideal for teams that
prefer not to host or maintain the integration themselves.
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CONCLUSION
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Vietnam's Circular 64 has turned ABBank account and transaction
access into a defined, consent-based process rather than a gray
area. Whether the goal is multi-bank aggregation, automated
reconciliation, payout automation, or travel and FX tooling, a
properly modeled ABBank integration — covering FIDO
authentication, AIS/PIS endpoints and NAPAS settlement — delivers
a durable connection that keeps working as the app and the
regulatory rollout evolve.
Ready to connect to ABBank the consented way? Scope your data
needs and engagement model today.
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ACCESS & CONTACT
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Visit: https://openbankingstudio.com/abbank.html
Reviewed and mapped by the OpenBanking Studio integration desk,
June 2026.
