iPhone Screenshots


Timo is proud to be the best digital bank in Vietnam for 3 consecutive years. We’re constantly striving to improve the banking experience and accompany you on your journey to financial freedom with 3 key benefits:

• Easy to Use: A simple and vibrant interface that lets you make all transactions in a few taps.

• Convenient: Open a digital eTimo account in a few minutes and access your account via the app at any time that suits you.

• Value: Enjoy fee-free banking services anywhere, anytime as well as benefits and discounts with our cards and partner products.

TO OPEN AN ONLINE TIMO ACCOUNT, just download the app and perform a few simple steps and can start trading with:

• Zero-fees when making interbank money transfers 24/7 to all domestic banks and from Timo to Timo, with high transfer limits of up to 100 million/month.

• The first and the only in Viet Nam when expressing your emotions by reacting to your transaction with Timo Friends.

• More fun, more joy with full Vietnamese diacritics and emojis when moving money to your Timo friends.

• Reliable security protocols with multiple factor login authentications (username and password/ biometrics/ quick code, OTP for new devices or two factors authentication) and instant transaction notifications.

• Convenient bill payments: utility bills (electricity, water, Internet, post-paid mobile phone...), top-up your phone…

• Easily connect to the most popular e-wallets via bank account at the first-time login.

• TimoPay with Link: Now you can send a payment link to anyone to claim the money directly into their bank account.

• TimoPay with QR Code: Easier, faster with trading by Dynamic Code.

• Smart savings products:

(1) Goal Save - helps you to achieve your short-term financial goals with daily, weekly, or monthly automatic contributions.

(2) Term Deposits (TDs) - allows you to open Term Deposit account with a competitive interest rate and flexible tenures.

• Check transaction with anyone in just 5 seconds.

• Customize your referral code to invite your friends to join Timo and monitor the journey with Timo Star Club.

• Investment partner - VinaCapital and Insurance Partner - Sunlife & Liberty are both a profitable investment solution and protects yourself and your loved ones.


• Free withdrawal at 17,000+ ATMs and swiping POS at ATMs/accepting locations nationwide.

• Make a contactless payment amazingly fast and safe by Chip card.

• Make online purchasing at almost all commercial websites in Vietnam...

• Activate and lock/unlock your card right in the app in case of theft or misplacement.

• Link more e-wallets with Timo card such as ShopeePay, Moca, VinID, …

• Upgrade money transfer limit to a maximum of 1.5 billion VND/day (Up to 500 million/transaction) - when provide the wet signature.


• Cashless spending with high limit of up to 500 million VND in over 180 currencies and making payments at over 30 million locations worldwide.

• No annual fee for the lifetime of the card and enjoy up to 55 days interest-free.

• A new Heat Map feature allows you to keep track of and have overview of your credit card spending.

• A convenient installment feature that allows you to convert large payments into smaller ones and choose your preferred repayment period.

Our new logo and colors symbolize Wealth & Power, Stability & Trust, Boldness & Innovation and Joy & Compassion. As our new logo and colors’ representation, Timo has always committed to providing simple, convenient and valuable banking services to customers.

So open Timo online account now to enjoy a banking experience that’s in step with your life.

If you have any questions, please contact us at:

Hotline: 1800 6788 

Email: care@timo.vn

Website: www.timo.vn

What’s New

Version 2.7

What's New!

- Full Vietnamese scripture and emojis when transferring money to your Timo friends. Don't just send money - send emotions!

- Hate switching between chat apps and your banking app? React directly to transactions from your Timo friends. It is as simple as reacting to a Facebook post.

- No more scrolling through long transaction logs. Directly view the history between you and a specific payee.

- Requesting a specific payment? Generate a dynamic VietQR Code with a pre-defined description and amount to easily collect bank transfers.

- Planning a big purchase? Fully upgraded users enjoy faster money transfer with a higher limit of up to 500 million VND per transaction. 

Questions, issues, or bugs? Contact care@timo.vn or call 1800 6788 and we’re here to help.

Ratings and Reviews

3.8 out of 5
4 Ratings

4 Ratings

azmobi dot net ,

Dùng thấy ổn

Test thử thấy ổn. Ai đăng ký mới thì nhập mã giới thiệu GS4A5 là nhận được 20k trong tài khoản luôn nhé!

pepperdex ,

Absolutely appalling

I cannot log into my bank account even though I have added all my details. It’s been like this for about two months now and they have done nothing; they just simply do not care. Use any other bank than this absolute rubbish.

yoganthehood ,

A No from me

I couldn’t even enter my phone number. Fix this

App Privacy

The developer, Viet Capital Commercial Joint Stock Bank, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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