5.47K reviews
Content rating
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About this app

Smart spending and investment management with TIMO Digital Bank – free of all fees.

Free withdrawals and transfers with TIMO DIGITAL BANK.

TIMO DIGITAL BANK - The best bank for 3 consecutive years - is committed to bringing you great experiences such as:

· Free 24/7 fast transfer to all banks in Vietnam with money transfer limit up to 5 billion VND/day.

· Upgrade your online account package with Video KYC to unlock international payments and increase money transfer limit up to 5 billion VND/day.

· Connect with popular e-wallets: Momo, ZaloPay, ShopePay right from the first login.

· Exciting money transfer experience with features:

- Send notifications of receipt of money by heart, haha or outrage for transactions with friends using Timo.

- Send money transfer messages in Vietnamese and Emoji.

- Easily view Transaction list with each individual.

- TimoPay with link: Allows you to fast transfer money by sharring a link to anyone in 3 seconds without knowing their bank account number.

- QR Code: receive payments or deposits quickly without sharing your account information.

· Pay by scanning VNPAY-QR code without cash safely - quickly - conveniently at payment acceptance points.

· Experience international online payment with Timo Debit Visa virtual card.

· Smart saving products:

- Goal Save: help you achieve your short-term financial goals with automatic accrual settings by day, week or month.

- Term Deposits: allows you to open an online savings account with competitive interest rates and flexible terms.

· Money Pot: help break down your incomes and manage them effectively in the form of Money Pot corresponding to your own use.

· Invite your friends to join Timo with your own referral code and follow the journey with Timo Star Club.

· Investment partner VinaCapital, VCAM and Liberty Travel Insurance are both profitable investment solutions and protect yourself and your loved ones.

· Secure method trusted by multiple layers of login authentication and instant notifications when making transactions.

· Payment of utilities: bills (electricity, water, Internet, postpaid mobile phones...), phone top-ups...

As soon as you receive your TIMO debit card, YOU CAN INCREASE MORE BENEFITS:

· Free withdrawals at more than 17,000 ATMs and POS payments at all card-accepting units nationwide.

· Quickly top up cash at the CRM (Cash Recycling Machine) system.

· Touch payment with Chip card is fast and safe.

· Activate, lock/unlock and reissue the card right on the app in case the card is lost.

· Link more e-wallets with Timo card numbers such as: Momo, ZaloPay, ShopeePay, Moca, VinID...


· Spend cashless with a limit of up to VND 500 million at more than 30 million card-accepting locations worldwide.

· Free annual card for life and enjoy spending up to 55 days with absolutely 0% interest charged..

· The installment feature helps you convert large expenses into smaller ones and choose the right repayment period.

Quickly open an online Timo account to enjoy a practical banking experience with your life.

If you have any questions, please kindly contact us:

Hotline: 1800 6788 Email: care@timo.vn Website: www.timo.vn


· Hangout Saigon: 258 Nam Ky Khoi Nghia, Vo Thi Sau Ward, District 3, Ho Chi Minh City.

· Hangout Hanoi: 318 Hue Street, Pho Hue Ward, Hai Ba Trung District.

· Hangout Da Nang: 23 Nguyen Van Linh, Binh Hien Ward, Hai Chau District.

· Hangout Can Tho: 79A Tran Phu, Cai Khe Ward, Ninh Kieu District, Can Tho.
Updated on
Apr 14, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Messages and 4 others
Data is encrypted in transit
Data can’t be deleted

Ratings and reviews

5.43K reviews
Florian Rücker
March 8, 2024
They constantly block your card for no reason. Then you need to call their hotline, which has very very short opening hours. When you call, the call menu will constantly kick you out (hang up on you) for no reason and without warning. The support chat also often kicks you out without warning and is very buggy. It's all-around annoying.
1 person found this review helpful
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Viet Capital Commercial Joint Stock Bank
March 11, 2024
Have a nice day, Florian Rücker! Timo thanks you for your feedback, and sincerely apologizes for this inconvenience. Timo recorded that the customer support team had contacted and supported you in these problems. We greatly appreciate your understanding in this matter and thank you for bringing it to our attention!
Giorgio Motti
November 9, 2023
It worked well for the most part, until last week it decided I can't open deposit account because because of a system error. I contacted customer service, they were responsive and, although at first they insisted I must be doing something wrong, they eventually acknowledged the system error. They said they'd fix it within 2, 3 days. It's now over a week and I have since gone to the store and called on the phone. Still the issue isn't fixed...
1 person found this review helpful
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Viet Capital Commercial Joint Stock Bank
November 10, 2023
Timo thanks you for your feedback, and deeply regrets the less-than-optimal experiences you've had while using Timo Digital Bank's services. Timo is looking forward to hearing the details of your problem so that we can check and assist you promptly. Please leave your contact information at: https://timobank.typeform.com/support
Md Arshad Hussain
April 8, 2024
EDIT: I have a valid visa with entry stamp. They say its our internal policy and entry stamp should be on this page and below entry stamp date should be written how long visa is valid.(These things already in Visa) Note :- I have easily opened accounts in MB,OCB,AGRI,TP BANK. With the same visa and stamp, It proves that, SBV don't have any such rules and you guys say its our internal policy, Its a bank not your family bussiness 😂 Being A digital bank ,dont operate like traditional state Banks.
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Viet Capital Commercial Joint Stock Bank
April 8, 2024
Timo has noted that you visited our HCM branch to update your Visa. However, your Visa does not meet the required criteria as it lacks an entry stamp and an expiration date. We regret that we cannot provide support unless your documents fulfill the current procedural requirements of Ban Viet Bank and the State Bank of Vietnam.

What's new

We’ve updated the app to help enhance your Timo experience. Here are some of the improvements in this release:

Software bug fixes

Speed and reliability improvements

Security and privacy updates