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Job Forum - Feel Free to Post your Job Listings and Services Here - All Submissions must be approved to become visible for all to see. > Han Muc Rut Tien 88AA: Tat Ca Nhung Gi Ban Can Bie
Han Muc Rut Tien 88AA: Tat Ca Nhung Gi Ban Can Bie
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Han Muc Rut Tien 88A
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Nov 22, 2025
6:09 AM 		Han Muc Rut Tien 88AALa Gi? Tai Sao No Lai Quan Trong Den Vay?

Trong the gioi tai chinh ngan hang, dac biet la tai Viet Nam, ban co the thuong xuyen nghe den cac thuat ngu chuyen mon. Mot trong nhung thuat ngu ma nguoi dung dich vu ngan hang, dac biet la nhung nguoi thuong xuyen giao dich so luong lon, khong the bo qua chinh la han muc rut tien 88AA.

Nghe co ve kho khan, nhung thuc chat, 88AA chinh la mot co che quan ly rui ro va dam bao an toan giao dich do Ngan hang Nha nuoc Viet Nam (NHNN) quy dinh, hoac la mot ma noi bo duoc cac ngan hang thuong mai ap dung de phan loai va gioi han cac giao dich rut tien mat tai quay hoac qua ATM. Mac du khong phai la mot quy dinh cong khai pho quat voi ma so "88AA" duoc in dam tren moi van ban luat, trong thuc tien giao dich, no thuong am chi den cac muc gioi han giao dich toi da ma khach hang duoc phep thuc hien trong mot khoang thoi gian nhat dinh (ngay/tuan/thang) theo quy dinh cua tung ngan hang hoac dua tren phan loai tai khoan.

Hieu mot cach don gian, 88AA (hoac cac ma tuong duong) la "tran" giao dich ma ban can nam ro. Neu ban co nhu cau rut so tien lon hon muc nay, ban se gap kho khan va can phai thuc hien cac thu tuc phuc tap hon.

Phan Biet Han Muc Rut Tien Qua Cac Kenh Giao Dich

Han muc rut tien khong phai la mot con so co dinh ap dung cho moi loai giao dich. No thay doi tuy thuoc vao kenh ban su dung:

1. Han Muc Rut Tien Mat Tai Quay Giao Dich

Day la noi ban co the rut so tien lon nhat. Tuy nhien, ngay ca tai quay, ngan hang van co quy dinh rieng de dam bao tinh thanh khoan va an ninh.

Quy dinh chung: Hau het cac ngan hang khong co mot han muc "88AA" co dinh cho giao dich tai quay doi voi cac tai khoan thong thuong. Thay vao do, viec rut tien mat so luong lon (thuong tren 300 trieu VND hoac 500 trieu VND tuy ngan hang) thuong yeu cau khach hang phai bao truoc (thong bao truoc 1-3 ngay lam viec).
Ly do: Ngan hang can thoi gian de chuan bi du tien mat menh gia lon va xac minh danh tinh, dam bao giao dich minh bach, phong chong rua tien.

2. Han Muc Rut Tien Qua May ATM

Day la kenh co han muc thap nhat va duoc quan ly chat che nhat.

Han muc theo may: Han muc rut tien moi lan tai ATM thuong dao dong tu 3 trieu den 5 trieu VND.
Han muc trong ngay: Han muc tong cong trong ngay thuong roi vao khoang 10 trieu den 20 trieu VND, tuy thuoc vao loai the va chinh sach cua ngan hang phat hanh the. Neu 88AA duoc de cap trong boi canh ATM, no co the la ma noi bo chi muc tran rut tien ngay toi da cua mot loai the tieu chuan.

3. Han Muc Giao Dich Chuyen Khoan Truc Tuyen (Internet Banking/Mobile Banking)

Mac du khong phai la rut tien mat, nhung cac giao dich chuyen khoan lon cung bi gioi han chat che de phong ngua rui ro bao mat.

Muc co ban: Thuong la vai chuc trieu den vai tram trieu dong moi ngay.
Muc nang cao: Khach hang co the yeu cau ngan hang nang han muc chuyen khoan (thuong sau khi xac minh lai danh tinh tai chi nhanh), nhung muc nay hiem khi vuot qua 1-2 ty VND/ngay cho tai khoan ca nhan thong thuong.

Tai Sao Cac Ngan Hang Dat Ra Han Muc Rut Tien?

Viec ap dat cac han muc, du la 88AA hay bat ky quy dinh nao khac, deu xuat phat tu nhung ly do cot loi sau:

Dam Bao An Toan va Chong Gian Lan

Neu khong co han muc, ke gian chiem duoc quyen truy cap vao tai khoan cua ban co the rut sach tien trong tich tac. Han muc giup gioi han thiet hai toi da trong truong hop the hoac thong tin tai khoan bi danh cap.

Quan Ly Thanh Khoan Noi Bo

Cac ngan hang cung phai quan ly luong tien mat san co tai cac chi nhanh va ATM. Viec gioi han rut tien mat so luong lon giup ho can doi nguon tien va tranh tinh trang thieu hut tien mat dot ngot tai mot so diem giao dich.

Tuan Thu Quy Dinh Phap Luat (AML/CFT)

Cac quy dinh ve phong, chong rua tien (AML) va tai tro khung bo (CFT) yeu cau cac to chuc tin dung phai giam sat va bao cao cac giao dich tien mat co gia tri lon. Han muc la mot cong cu de tu dong loc ra cac giao dich can duoc kiem tra ky luong hon.

Lam The Nao De Vuot Qua Han Muc 88AA Khi Can Rut So Tien Lon?

Neu ban la doanh nghiep, nguoi kinh doanh can giao dich so tien lon, viec bi gioi han boi cac muc rut tien tieu chuan la khong the tranh khoi. Duoi day la cac buoc ban can thuc hien:

1. Lien He Truc Tiep Voi Ngan Hang

Day la phuong phap hieu qua nhat. Hay goi dien hoac den truc tiep chi nhanh quan ly tai khoan cua ban.

Thong bao truoc: Luon luon thong bao truoc it nhat 1-2 ngay lam viec.
Cung cap ly do ro rang: Khi yeu cau nang han muc tam thoi (vi du: de thanh toan cong no, mua tai san...), nhan vien ngan hang se yeu cau ban cung cap muc dich giao dich de ho ghi nhan va phe duyet.

2. Su Dung Dich Vu Chuyen Khoan Dien Tu

Neu muc dich la thanh toan cho doi tac, chuyen khoan dien tu thuong co han muc cao hon va nhanh chong hon so voi rut tien mat. Neu han muc chuyen khoan online chua du, ban co the yeu cau ngan hang xac nhan chuyen khoan qua giao dich dien tu thay vi rut tien mat ve roi giao tien truc tiep.

3. Can Nhac Mo Tai Khoan Doanh Nghiep (Neu La Giao Dich Thuong Xuyen)

Cac tai khoan doanh nghiep thuong co han muc giao dich tien mat va chuyen khoan mac dinh cao hon dang ke so voi tai khoan ca nhan. Neu nhu cau giao dich lon la thuong xuyen, viec chuyen doi sang dich vu danh cho khach hang doanh nghiep la dieu can thiet.

Loi Khuyen Cuoi Cung Cho Nguoi Dung Thong Minh

Viec biet ro ve "han muc 88AA" khong chi la biet mot con so, ma la hieu ro co che hoat dong cua ngan hang.

1. Kiem tra bieu phi/quy dinh: Hay truy cap trang web chinh thuc cua ngan hang ban dang su dung hoac goi tong dai de hoi ro ve han muc rut tien mat toi da theo ngay cho loai the va tai khoan cua ban.
2. Khong bao gio chia se thong tin ca nhan: Ngay ca khi ban dang co gang nang han muc, dung bao gio cung cap ma PIN hoac mat khau Internet Banking cho bat ky ai, ke ca nhan vien ngan hang qua dien thoai.
3. Lap ke hoach giao dich: Neu biet minh can rut 1 ty VND vao thu Ba, hay len ke hoach bao truoc cho ngan hang vao thu Hai tuan truoc do.

Nam vung cac quy tac nay se giup cac giao dich tai chinh cua ban dien ra suon se, an toan va khong bi gian doan boi nhung gioi han khong dang co.
Xem them: Cach choi Keno


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