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You can do all types of transactions via ACLEDA ToanChet for FREE.


  • Be convenient, fast and highly secure in making banking transactions via ACLEDA ToanChet.
  • Reduce cost and save time by not going to the Bank.
  • Be able to view account information and make fund transfer, payment, mobile top up or payment of goods and services via QR Code anytime and anywhere by using personal mobile.
  • Decrease risk of carrying physical cash along for making payment as well as risk of cash surplus, shortage, counterfeit, etc., while counting money.
  • Be able to view some information about ACLEDA Bank Lao Ltd. such as Location, Exchange Rate, Promotion, FAQs, Security Tip, Help, News, etc.
  • Have an opportunity to use the other products and services of ACLEDA Bank Lao Ltd.
  • Get special offers from our partners.

Banking Services to be Operated

  • Balance enquiry and mini statement
  • Fund Transfer
    • Own account
      • ToanChet account
      • ACLEDA Bank account
    • To other ToanChet account or mobile number
    • To ACLEDA Bank account
      • From ToanChet account to bank account
      • From bank account to bank account
  • Cash deposit/withdrawal
    • Cash deposit to ACLEDA ToanChet account at Bank's counter
    • Cash withdrawal from ACLEDA ToanChet account, bank account linked with ACLEDA ToanChet, or unregistered mobile number at Cash Withdrawal ATM or Cardless Cash withdrawal and Bank's counter
  • Bill payment (electricity, water, phone, internet, school, etc.)
  • QR Payments
    • QR Payments & P2P via My QR Code
    • Scan QR Code
  • Mobile phone top up
  • Loan Repayment
  • Loan Request
  • View Exchange rates, Locations, News, Help, Security tips, etc.
  • Other services
Bank account which already linked with ACLEDA ToanChet cannot make ToanChet payment (QR payment).

Mobile Phone Type

Almost all kinds of smart phones running iOS or Android can be connected with ACLEDA ToanChet service. For who receive transferred money via this service can use any kinds of mobile phone.


  • Only Lao Kip currency is available for ACLEDA ToanChet service.
  • If there is any transaction made in another currency beside account's currency, that currency will be automatically converted to be the same as account's currency according to the exchange rate of ACLEDA Bank Lao Ltd.

Customer's Qualification for ACLEDA ToanChet

  • Be adults age 18 and older
  • Have a mobile phone running iOS or Android and phone number.
  • Have an identification document such as ID card, family book, passport (which has at least 3 months of validity), or monk's identification document with photo.
  • Agree with and be responsible for all the terms and conditions of ACLEDA ToanChet.

Registration for ACLEDA ToanChet

  • Self-Registration
    • You can register for ACLEDA ToanChet by downloading and installing it from App Store (iOS) or Play Store (Android).
    • After installing, open the application and then choose "Register" button.
    • Complete information in each step properly and clearly including your phone number and name, sex, date of birth, type of identification document, permanent address; and take a real selfie.
    • Come to the Bank nearest of you and bring your document to authorize your registration
  • Registration at ACLEDA Bank Lao
    • If you cannot download and install ACLEDA ToanChet application, please go to ACLEDA Bank Lao.
    • Bringing a smart phone running Android or iOS and phone number.
    • Providing an identity card, family record book, passport (which has at least 3 months of validity), or monk's identification document with photo.
  • Registration for ACLEDA ToanChet's Partner to collect fees of goods and service via QR Code.
    • Please go to ACLEDA Bank Lao's branch.
    • Filling application form for ACLEDA ToanChet's Partner.
    • Providing an identity card, passport, or any identification document attached by partner's photo.
    • Having a precise address in the operation area of ACLEDA Bank Lao.

Cash Deposit and Withdrawal of ACLEDA ToanChet Account

  • Cash Deposit at Bank Counter
    Please bring your smart phone and phone number connected ACLEDA ToanChet to the Bank to deposit cash into ACLEDA ToanChet account. You will receive an SMS, which confirm the deposit amount, in your phone.
  • Cash Withdrawal at Bank Counter
    You can withdraw cash from ACLEDA ToanChet account or withdraw cash transferred by phone number either at the ACLEDA Bank's office. Please provide:
    • Mobile phone number or ACLEDA ToanChet account number
    • Withdrawal amount
    • Gold code or ACLEDA ToanChet's PIN (gold code is used to withdraw cash transferred by mobile phone number and PIN is used to withdraw cash form ACLEDA ToanChet account.)
    • One Time Password (OTP) will be sent via SMS to your mobile phone to confirm the transaction.

Safe and Security Conditions

  • Do not record PIN on any object but memorize it for convenient use.
  • Do not let your PIN to be known or seen when using it; make sure that no one watches while entering this PIN.
  • Do not connect or download application/program from unknown sources.
  • Always check mobile phone. If any unknown application is found, immediately close and delete it in order to avoid virus or hacker, and/or take it to the phone service center.
  • Do not leave mobile phone unattended and unlocked.
  • Log off the ACLEDA ToanChet application after completing transaction.
  • Change your PIN frequently.
  • If you enter the incorrect PIN 3 times, your ACLEDA ToanChet will be locked.
    • In such case, you have to reset your PIN in "Settings" menu.
    • Select "Forget PIN".
    • Fill the requirement information accurately.
    • Then you will receive a new PIN.
  • You have to keep your registered phone at a safe place. If that phone is lost or damaged, please inform the Bank to block account or technically take action to prevent transaction fraud.
  • In the case you sell or give your phone to another person, please delete the ACLEDA ToanChet application from it.
Note: For our services requirements and more information, please contact our nearest branch or our Call Center.

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