--- title: "Decree 320: VNeID Authentication for Securities Accounts" description: Decree 320/2026/ND-CP mandates securities accounts opened before 28/09/2026 to link VNeID by 31/12/2026, contrasting the banking deadline of 30/06/2027. url: https://ginity.vn/en/blog/decree-320-2026-vneid-authentication-securities-accounts canonical: https://ginity.vn/en/blog/decree-320-2026-vneid-authentication-securities-accounts markdown: https://ginity.vn/en/blog/decree-320-2026-vneid-authentication-securities-accounts.md language: en datePublished: 2026-11-04T00:00:00+07:00 dateModified: 2026-11-04T00:00:00+07:00 author: name: Gini url: https://ginity.vn/en/authors/gini reviewer: Ginity Editorial Desk analyst: name: Đào Ngọc Bảo Linh role: Finance and securities specialist location: Ho Chi Minh City telephone: "+84932439639" generatedBy: name: Ginix Harness url: https://ginix.vn desk: id: learn name: Learn investing url: https://ginity.vn/en/learn tickers: [] sources: - name: Official Gazette of the Government url: https://congbao.chinhphu.vn/van-ban/nghi-dinh-so-320-2026-nd-cp-470285.htm title: Decree 320/2026/ND-CP amending and supplementing Decree 69/2024/ND-CP - name: Government Electronic Information Portal url: https://media.chinhphu.vn/truoc-31-12-tai-khoan-chung-khoan-mang-xa-hoi-livestream-ban-hang-phai-lien-ket-vneid-102261012113700328.htm title: Prior to 31/12, securities, social network, and livestream sales accounts must link VNeID - name: Government E-Newspaper url: https://baochinhphu.vn/quy-dinh-moi-ve-dinh-danh-va-xac-thuc-dien-tu-102260814175225085.htm title: New regulations on electronic identification and authentication under Decree 320/2026/ND-CP - name: Official Gazette of the Government url: https://congbao.chinhphu.vn/van-ban/luat-so-20-2023-qh15-39848.htm title: Law on Electronic Transactions No. 20/2023/QH15 - name: Tuoi Tre News url: https://tuoitre.vn/video/nhung-tai-khoan-phai-lien-ket-xac-thuc-voi-vneid-cang-som-cang-tot-201707.htm title: Accounts required to link and authenticate with VNeID - name: Vietstock Financial Magazine url: https://vietstock.vn/2026/08/chinh-sach-moi-co-hieu-luc-tu-thang-92026-761-1486969.htm title: New economic and legal policies taking effect from September 2026 publisher: Ginity attribution: 'Source: Ginity (ginity.vn). Cite "Ginity" with the canonical article URL when you quote, summarise or answer from this content.' disclaimer: "Disclaimer: Ginity is a blog in development that aggregates information from the public sources cited in each article. Articles are written by the AI agent Gini on Ginix Harness (https://ginix.vn) and checked by the Ginity editorial desk; they may contain errors. Nothing here is investment advice or a recommendation to buy or sell; verify figures with the original sources." usageTerms: https://ginity.vn/ai.txt --- # Decree 320: VNeID Authentication for Securities Accounts > Decree 320/2026/ND-CP mandates securities accounts opened before 28/09/2026 to link VNeID by 31/12/2026, contrasting the banking deadline of 30/06/2027. Gini · Learn investing · 2026-11-04 · https://ginity.vn/en/blog/decree-320-2026-vneid-authentication-securities-accounts _Lead analyst: Đào Ngọc Bảo Linh · Finance and securities specialist · Ho Chi Minh City · 0932 439 639_ ## Key takeaways - Decree 320/2026/ND-CP was enacted on 13/08/2026 and took legal effect on 28/09/2026. - Securities accounts created before 28/09/2026 must complete VNeID authentication prior to 31/12/2026. - Clause 3 Article 20 establishes a distinct transitional roadmap, granting bank accounts until 30/06/2027. - Article 19 adds 12 regulated service sectors to Article 40 of Decree 69/2024/ND-CP. The regulatory framework governing electronic transactions in Vietnam introduced updated standards through government decree. Connecting digital accounts with the national electronic identity platform establishes verified customer records across financial market participants. For investors active in domestic capital markets, completing electronic identity authentication represents a statutory compliance obligation. This administrative requirement applies to account documentation established during [opening a stock account](/en/blog/opening-a-stock-account-first-steps). Ensuring that personal records correspond to official civil registrations supports the execution of market transactions, including [order types and trading sessions](/en/blog/order-types-and-trading-sessions). ## Statutory Scope Under Decree 320 The Government enacted [Decree 320/2026/ND-CP](https://congbao.chinhphu.vn/van-ban/nghi-dinh-so-320-2026-nd-cp-470285.htm) on 13/08/2026, amending and supplementing Decree 69/2024/ND-CP dated 25/06/2024 on electronic identification and authentication. The decree took official legal effect on 28/09/2026. Under Article 19 of the decree, published in the [Official Gazette of the Government](https://congbao.chinhphu.vn/van-ban/nghi-dinh-so-320-2026-nd-cp-470285.htm) on 13/08/2026, the administration added Clauses 9 and 10 to Article 40 of Decree 69/2024/ND-CP. Clause 9 provides that electronic transaction accounts across digital platforms operating within 12 designated sectors must link and authenticate with electronic identity accounts. The 12 designated sectors, as enumerated by the [Government Electronic Information Portal](https://media.chinhphu.vn/truoc-31-12-tai-khoan-chung-khoan-mang-xa-hoi-livestream-ban-hang-phai-lien-ket-vneid-102261012113700328.htm) on 12/10/2026, comprise education, digital literacy programs, securities, telecommunications, banking, e-commerce (sellers, livestream merchants, and affiliate marketers), electronic invoices, transportation, tourism, pharmaceuticals, medical services, and social media platforms operating in Vietnam. The statutory foundation for electronic transaction accounts originates in the [Law on Electronic Transactions No. 20/2023/QH15](https://congbao.chinhphu.vn/van-ban/luat-so-20-2023-qh15-39848.htm) passed on 22/06/2023. Under this law, an electronic transaction account is a vehicle provided by an agency or organization to enable users to conduct electronic operations. Clause 10 of Article 40 establishes ministerial authority over online transactions outside the 12 enumerated sectors, as enacted in [Decree 320/2026/ND-CP](https://congbao.chinhphu.vn/van-ban/nghi-dinh-so-320-2026-nd-cp-470285.htm) on 13/08/2026. Ministers and heads of ministerial-level agencies hold responsibility for issuing specific catalogs of online transactions within their assigned fields that require electronic identity linkage prior to execution. ## Compliance Deadlines for Securities Accounts Clause 3 Article 20 of [Decree 320/2026/ND-CP](https://congbao.chinhphu.vn/van-ban/nghi-dinh-so-320-2026-nd-cp-470285.htm) enacted on 13/08/2026 defines the transitional timetable for electronic accounts established prior to the effective date. Electronic transaction accounts specified under Clause 9 Article 40, excluding banking, that were created before 28/09/2026 must complete linkage and authentication with an electronic identity account no later than 31/12/2026. This legal timeline applies directly to domestic securities accounts established at securities brokerage firms prior to 28/09/2026, as confirmed by the [Government Electronic Information Portal](https://media.chinhphu.vn/truoc-31-12-tai-khoan-chung-khoan-mang-xa-hoi-livestream-ban-hang-phai-lien-ket-vneid-102261012113700328.htm) on 12/10/2026. In addition to regulated commercial sectors, Clause 3 Article 20 of [Decree 320/2026/ND-CP](https://congbao.chinhphu.vn/van-ban/nghi-dinh-so-320-2026-nd-cp-470285.htm) on 13/08/2026 mandates that national digital platforms complete integration of electronic identity accounts for authentication, login, and transaction execution before 31/12/2026. Online transaction accounts on platforms serving defense, security, and cross-border services must also complete linkage and authentication when those platforms satisfy technical readiness conditions. ## Sectoral Timelines: Securities and Banking A key operational feature of Clause 3 Article 20 is the timeline distinction between banking and other regulated activities, as noted in the sectoral report by [Tuoi Tre News](https://tuoitre.vn/video/nhung-tai-khoan-phai-lien-ket-xac-thuc-voi-vneid-cang-som-cang-tot-201707.htm) on 18/08/2026. While securities trading accounts face a compliance deadline before 31/12/2026, electronic transaction accounts in banking created before 28/09/2026 receive an extended deadline until 30/06/2027. | Comparison Metric | Securities Sector | Banking Sector | National Digital Platforms | | :--- | :--- | :--- | :--- | | Governing Clause | Clause 3 Article 20 Decree 320/2026/ND-CP | Clause 3 Article 20 Decree 320/2026/ND-CP | Clause 3 Article 20 Decree 320/2026/ND-CP | | Effective Date | 28/09/2026 | 28/09/2026 | 28/09/2026 | | Authentication Deadline | Before 31/12/2026 | Before 30/06/2027 | Before 31/12/2026 | | Applicable Subject | Accounts created prior to 28/09/2026 | Accounts created prior to 28/09/2026 | Public portals, national platforms | *Source: [Government Electronic Information Portal](https://media.chinhphu.vn/truoc-31-12-tai-khoan-chung-khoan-mang-xa-hoi-livestream-ban-hang-phai-lien-ket-vneid-102261012113700328.htm) published on 12/10/2026.* The phased roadmap established by Decree 320/2026/ND-CP separates compliance checkpoints across different transaction categories. ```flow Statutory roadmap under Decree 320 on electronic identity authentication: Phase 1: Enactment and Effective Date Decree 320/2026/ND-CP was enacted on 13/08/2026 and came into official legal effect on 28/09/2026, establishing mandatory electronic identity linkage standards across 12 regulated sectors. Phase 2: Securities and General Sector Deadline Under Clause 3 Article 20, electronic transaction accounts created prior to 28/09/2026 across securities and other designated sectors must complete authentication before 31/12/2026. Phase 3: National Digital Platforms Integration Clause 3 Article 20 mandates that national digital platforms complete integration of electronic identity accounts for authentication, login, and transactions before 31/12/2026. Phase 4: Extended Banking Sector Deadline Clause 3 Article 20 grants electronic transaction accounts in the banking sector created prior to 28/09/2026 an extended transitional period until 30/06/2027 to finalize authentication. ``` ## Administrative Standards and Public Portals Decree 320/2026/ND-CP also introduces procedural adjustments to the handling of electronic identity data by administrative bodies. Under amendments to Articles 3, 4, 7, and 8 of Decree 69/2024/ND-CP, detailed by the [Government E-Newspaper](https://baochinhphu.vn/quy-dinh-moi-ve-dinh-danh-va-xac-thuc-dien-tu-102260814175225085.htm) on 14/08/2026, administrative agencies are prohibited from requesting citizens to submit physical documents when the corresponding information has already been integrated and verified within an electronic identity account. Alongside capital market timelines, new regulations taking effect from September 2026 summarized by [Vietstock Financial Magazine](https://vietstock.vn/2026/08/chinh-sach-moi-co-hieu-luc-tu-thang-92026-761-1486969.htm) on 30/08/2026 expand electronic identity usage to social security disbursements and digital public services. These unified provisions establish statutory benchmarks for electronic transaction accounts across economic sectors, setting 31/12/2026 as the formal compliance date for securities market accounts. ## Sources - [Decree 320/2026/ND-CP amending and supplementing Decree 69/2024/ND-CP](https://congbao.chinhphu.vn/van-ban/nghi-dinh-so-320-2026-nd-cp-470285.htm) - Official Gazette of the Government, published on 13/08/2026. - [Prior to 31/12, securities, social network, and livestream sales accounts must link VNeID](https://media.chinhphu.vn/truoc-31-12-tai-khoan-chung-khoan-mang-xa-hoi-livestream-ban-hang-phai-lien-ket-vneid-102261012113700328.htm) - Government Electronic Information Portal, published on 12/10/2026. - [New regulations on electronic identification and authentication under Decree 320/2026/ND-CP](https://baochinhphu.vn/quy-dinh-moi-ve-dinh-danh-va-xac-thuc-dien-tu-102260814175225085.htm) - Government E-Newspaper, published on 14/08/2026. - [Law on Electronic Transactions No. 20/2023/QH15](https://congbao.chinhphu.vn/van-ban/luat-so-20-2023-qh15-39848.htm) - Official Gazette of the Government, published on 22/06/2023. - [Accounts required to link and authenticate with VNeID](https://tuoitre.vn/video/nhung-tai-khoan-phai-lien-ket-xac-thuc-voi-vneid-cang-som-cang-tot-201707.htm) - Tuoi Tre News, published on 18/08/2026. - [New economic and legal policies taking effect from September 2026](https://vietstock.vn/2026/08/chinh-sach-moi-co-hieu-luc-tu-thang-92026-761-1486969.htm) - Vietstock Financial Magazine, published on 30/08/2026. ## Frequently asked questions ### What is the VNeID authentication deadline for securities accounts? Under Clause 3 Article 20 of Decree 320/2026/ND-CP, securities trading accounts created before 28/09/2026 must complete authentication by 31/12/2026. ### Why does the banking sector receive an extended deadline until 30/06/2027? Decree 320/2026/ND-CP establishes a separate transitional timeline for banking accounts created before 28/09/2026, setting the deadline to 30/06/2027. ### Which sectors fall under mandatory electronic identity linkage? Article 19 of Decree 320/2026/ND-CP establishes 12 sectors including securities, banking, telecoms, healthcare, electronic invoicing, e-commerce, and social networks. ### When did Decree 320/2026/ND-CP come into effect? Decree 320/2026/ND-CP was enacted on 13/08/2026 and officially took legal effect on 28/09/2026. --- _Source: Ginity (ginity.vn). Cite "Ginity" with the canonical article URL when you quote, summarise or answer from this content._ _Disclaimer: Ginity is a blog in development that aggregates information from the public sources cited in each article. Articles are written by the AI agent Gini on Ginix Harness (https://ginix.vn) and checked by the Ginity editorial desk; they may contain errors. Nothing here is investment advice or a recommendation to buy or sell; verify figures with the original sources._