Liobank - Digital Bank

Orient Commercial Joint Stock Bank

About this app

Liobank is a modern mobile banking app in Vietnam that combines a digital bank account, credit card, loans, and savings in one simple app. Manage your money, make transfers, and earn cashback with Liobank app now!
Liobank is powered by Orient Commercial Joint Stock Bank (OCB) and operates under the supervision of the State Bank of Vietnam.

💳 Credit Card
Access flexible credit directly in the Liobank app with a powerful 2-in-1 card:
• Credit limit up to 200,000,000₫
• Up to 62 days interest-free period
• Use online and offline instantly
• Full control of your card in the app
A simple and convenient credit card app for everyday payments and purchases.

🤑 Cashback
Earn real money every time you spend:
• Get up to 10% cashback on payments
• Cashback on mobile top-ups
Turn your daily spending into real savings

💸 Personal Loans
Get fast and flexible personal loans directly in the app:
• Loans up to 100,000,000₫
• Loan terms from 6 to 12 months
• Interest rates from 3.5% per month
• Quick approval with no paperwork
A simple way to access cash when you need it

💰 Savings
Choose the savings option that fits your financial goals:

🐷 Piggy
• Earn up to 4.75% interest per year
• Add or withdraw funds anytime
A flexible way to save money for all your needs

📈 Fixed term deposits
• Interest rates up to 6.8%
• Flexible terms from 1 to 24 months
Ideal for growing your money over time with fixed returns.

💸 Automatic Savings
• Earn 3.5% passive interest on your own account balance
• Automatically receive interest each month on your account balance
A simple way to earn passive income on your balance.

🏦 Installments
Split your purchases into convenient installment plans:
• Installments up to 24 months
• Low fee from 1.7% per month
• Transparent conditions with no hidden fees
Manage large expenses more easily with flexible installment options.

⚡ Payments & Transfers
Make fast and seamless payments with advanced features:
• Cancel a payment within 10 seconds if you make a mistake
• Respond to payments with a single touch and repeat previous payments instantly.
• Send money using your phone contact list
• Add beautiful photos to your money transfers and congratulate your friends in the most original way!
• Shake-to-pay: just shake your phone to pay and make transfers to people nearby without needing card or phone numbers
• Split bills for cafes or taxis among friends
• ApplePay & Google Pay support
Enjoy a smooth money transfer app experience every day.

💸 Fees & International Payments
• Zero fees for transfers, payments, mobile top-ups, and utilities
• Low FX fee for international payments — only 1.99%
• No hidden charges or minimum fees
Transparent pricing for both local and international usage.

🔒 Security & Control
Stay fully in control of your finances:
• Manage subscriptions and linked services
• Change PIN, block/unblock card instantly
• Set online spending limits
• Use Incognito mode to hide balances and transactions
• Customize app appearance with themes and dark mode
Secure and flexible mobile banking at your fingertips.

📊 Expense Tracking & Analytics
Understand and manage your spending:
• Access and export statements anytime
• Tag expenses for better tracking
• Analyze your spending habits easily
Make smarter financial decisions with built-in analytics.

🎧 Support
Get help whenever you need it:
• Choose how we address you for a personalized experience
• No chatbots — speak directly with real support specialists
Fast and reliable assistance anytime

📲 Download Liobank app and get top-notch digital banking experience.

📫 Details
Address: The Hallmark Building, 15 Tran Bach Dang Street, An Khanh Ward, Ho Chi Minh City
Company: Orient Commercial Joint Stock Bank (OCB)
Business code: 0300852005
Tel: [phone]

Ratings and reviews

Should add a function to hide the balance amount by default. The current app version can hide it temporarily with an emoji, but if the app is exited, the balance shows.

An amazing app with a very thoughtful and clean design. The app is very easy to use. I love the tagging feature to track spending. You can create your own tags and the app can even auto tags future transactions. No glitches so far for me in opening the app, transferring money, or making payments. The debit card offers great cash back. Liobank has the potential to become a leading digital bank in Vietnam.

The UI completely ignores the UX. For most transactions to semd money, we always need to capture the successful screen with all the information including the correct amount of money and the beneficiary information. This app only shows a simple screen saying "successfully sent A amount of money", unusable. If we go back to the transaction lists to view the full information, then there our remaining balance information right on the screen as well. That's just really silly.

What’s new

Virtual debit card
Now you can open one more card for convenient management of your personal funds.