OCTO by CIMB

CIMB Bank (VN) Ltd.

About this app

OCTO - a Digital Bank application developed by CIMB Bank, a leading banking group in ASEAN with 13 million customers across 15 countries.

Sign up for CIMB VISA card right in the app to enjoy the digital banking convenience 24/7 anytime and anywhere.

1. GET YOUR VISA CARD ON APP 24/7

Open your CIMB bank account/ card 100% online with eKYC – the online customer verification. User only need to capture ID card, take selfie for card/account registration anytime and anywhere without visiting the branch. Applicable to all Vietnamese customers nationwide.

- VISA DEBIT CARD – CIMB Visa Debit card that linked to CIMB bank account let you enjoy various banking services free of charge
- VISA CREDIT CARD - CIMB Visa Credit card allows you to shop across the globe with many good deals

2. FREE SERVICES

VISA DEBIT CARD
- Free card issuance and account opening
- No minimum sum required to open an account
- No minimum balance required
- Free domestic fast money transfer 24/7
- Free domestic ATM withdrawal
- Free annual card and account management fee with conditions

VISA CREDIT CARD
- Free card issuance
- Free annual card management fee with conditions

PERSONAL LOAN
- Free loan application processing
- Free loan management fee

3. DIGITAL BANKING CONVENIENCE 24/7 – anytime, anywhere!

VISA DEBIT CARD
- Fast bill payment and phone top-up
- Funding to your account on app
- Instant domestic money transfer 24/7
- Card management and setting, reset PIN code and lock/ unlock card on app
- Manage spending limits up to 2 billion VND per day
- International and domestic online and POS purchases

VISA CREDIT CARD
- Look up card information and bank statement on app
- Card management and setting, reset PIN code and lock/ unlock card on app
- Manage spending limits on app


PERSONAL LOAN
- On-app end-to-end process from loan application to appraisal and disbursement
- Provide quick offer within 4 working hours
- Keep track of your application status transparently on app
- No forms, no signatures required until approval
- Sign loan contract at your convenience
- Loan amount from 5 – 500 mil VND
- Loan tenure from 3 to 60 months
- Interest rates from 1.3% - 3.75%/month on reducing balance
- Minimum and maximum period for repayment: 12 Months – 60 Months
- Maximum Annual Percentage Rate (APR): 24,5% per annual
- Representative example of the total cost of the loan, including the principal and all applicable fees (e.g. Sample monthly payment, sample interest calculation): Example:
i) Outstanding balance: 100,000,000 VND
ii) Tenor: 60 Months
iii) Interest Rate: 15.9% /per year
 Equal Monthly Installment (EMI): ~ 2,427,000 VND

4. SECURITY FEATURES

SECURE SIGN IN WITH OCTOBIO
- Sign in with biometrics including facial recognition and fingerprint
- Easily sign in without remembering the password

SECURE TRANSACTION WITH OCTOSHIELD
- Activate OctoShield 1 time only via SMS OTP
- Just slide to sign your transaction securely
- Your transaction is protected by tokenization, multi-layer authentication method

SECURE ONLINE PURCHASE WITH 3D SECURE
- Verify your online purchases via OTP code sent to your registered mobile number and email
- The 3D Secure solution is provided by Visa

For support, please contact:
CIMB Bank Vietnam
Headquarters: Level 2, CornerStone Building, 16 Phan Chu Trinh, Hoan Kiem, Hanoi
HCM Branch: Ground Floor, VRG Building, 177 Hai Ba Trung, District 3, HCMC.
Email: [e-mail]
Hotline: [phone]

Ratings and reviews

App is very slow and having issues all the time, especially bill payments. My saved bills are sometimes disappeared for no reason and I could not even manually pay for them since the payment box just not display. Customer service not being helpful as all they ask you to do repeatedly is reinstalling the app which I find so incovenient when I have to input endless login information and take selfies. PLEASE HAVE IT FIXED!

Apps interface is nice, but quite slow connection happens when changing each windows ( card, loan, transaction inquiry,etc). Requires to entry username and password everytime, should have been better if the bank implements Login by Fingerprint. Lastly, where do I find my account number (not the debit card number)?

App loading is slow. Some features doesn't work well in partner app (finhay). Try to transfer money but fail due to some ridiculous system errors or setting. 1/ the session time out error. Although I just login for 2-3 minutes 2/ when I try to type my password for the transmission, U only give me only some second even though the clock points out that there are 1:30 minutes but It runs like an leopard on the savan. Finally, It turns out to be the problem of octo shield... Please improve this app

What's new

- Enhance application performance.
- Upgrade new functions.
- Bug fixes