Smart spending and investment management with Timo Digital Bank by BVBank – free of all fees.
Free withdrawals and transfers with Timo.
Timo - The best bank for 4 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 1 billion VND/day with exciting feature experiences such as:
− Send notifications of receipt of money by heart, laugh or outrage for transactions with friends using Timo.
− Send money transfer messages in Vietnamese and Emoji.
− Easily view Transaction list with each Payee.
− TimoPay with link: Allows you to fast transfer money by sharing a link to anyone in 3 seconds without knowing their bank account numbers.
− QR Code: receive payments or deposits quickly without sharing your account information.
• Upgrade your online account package with Video call KYC to unlock international payments and increase money transfer limit up to 1 billion VND/day.
• Connect with popular e-wallets: Momo, ZaloPay...
• Pay by scanning VNPAY-QR code without cash safely - quickly - conveniently at payment acceptance points.
• Payment of utilities: bills (electricity, water, Internet, postpaid mobile phones...), phone top-ups...
• Experience international online payment with Timo Debit Visa virtual card.
• Help you easily access capital with:
− Timo Visa credit card: free of issuance fee and annual fee for life.
− Overdraft is a convenient financial tool that provides access to additional funds when your Spend Account balance hits zero.
− Installment loan package with partners of Timo.
• Smart online saving:
− 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.
• Personal Financial Management – where all the quintessential tools to understand your finace reside:
− Cashflow Overview.
− Cashflow by Category.
− Asset Tracker.
− Credit Card Report.
− Cashflow by Payment Type & Payee.
As soon as you receive your TIMO debit card, YOU CAN INCREASE MORE BENEFITS:
• Free withdrawals at more than 17,000 ATMs of Napas and POS payments at all cardaccepting units nationwide.
• Quickly top up cash at the CRM (Cash Recycling Machine) system.
• Withdraw cash without a card using VietQR code at supported ATMs.
• 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…
OPEN A TIMO VISA CREDIT CARD TO ENJOY:
• 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.
• Hanoi: 318 Hue Street, Pho Hue Ward, Hai Ba Trung District.
• Da Nang: 23 Nguyen Van Linh, Binh Hien Ward, Hai Chau District.
• Can Tho: 79A Tran Phu, Cai Khe Ward, Ninh Kieu District, Can Tho.
The bank itself is great. I had no problems with it. But this app is very slow and a few times it wouldn’t even open at all when I had to pay. I hope the developers fix this.
Developer Response
Thank you for your feedback.We’re very sorry to hear about the app performance issues you experienced. Timo is continuously working to improve speed and stability to ensure the app works smoothly, especially at critical moments like payments.If the issue happens again, please make sure you’re using the latest version of the app. You may also share your device model and app version with Timo Care so we can investigate further. Thank you for your feedback—it helps us improve.
Scheduling Issue Within App
Jackedcamp
Needs to be fixed. There is a very large queue at location and the online appointment setter is not followed.
Developer Response
Thank you for your feedback. We apologize for the inconvenience caused by long queues and scheduling discrepancies. The recent increase in customers has indeed impacted appointment accuracy. We're actively working to improve the process and ensure a smoother experience. Thank you for your understanding!
Error account
DVD bummer I'm
I can log in to my bank account, and it said I had used money and after that it minus my money, while I can’t use or log in my account
Developer Response
We’re sorry for the inconvenience this issue has caused. To help us check your account status and transaction details accurately, please contact our Customer Care team as soon as possible via care@timo.vn or 1800 6788. We’re here to support you and will assist you promptly. Thank you for your patience.
Useless
Netfok
This app is awful. While creating an account it prompts me to enter date and time for an appointment. I won’t let me set up an account
Developer Response
Timo sincerely thanks you for taking the time to evaluate the quality of service provided by Timo Digital Bank.According to our regulations, foreigners are ineligible to open an online account (eTimo). If you are above 15 years of age and legally residing in Vietnam, you may apply to open a Timo account. After you register your information and book an appointment on the Timo application, to proceed with the account opening, kindly bring along the following original valid documents to our Timo Hangout:- Passport- Visa/Visa Exemption/Temporary Resident Card/Permanent Resident Card
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
Version 26.11
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
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Viet Capital Commercial Joint Stock Bank
Size
352.8 MB
Category
Finance
Compatibility
Requires iOS 13.0 or later.
iPhone Requires iOS 13.0 or later.
iPod touch Requires iOS 13.0 or later.
Apple Vision Requires visionOS 1.0 or later.
Languages
English and Vietnamese
Age Rating
4+
4+
This app has an age rating of 4+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.