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Powerful & simple. The most innovative digital experience in Vietnam!
We understand you have your priorities in life. So, we’ve crafted the perfect banking experience around you!
Our app makes it easier than ever to access and keep track of your finances so you can spend smarter and save more. With Timo, now you can bank intelligently and securely on the go!
Become a Timo member, enjoy a brand new banking experience and our exclusive offers:
• No monthly account fee, no fee to join, and no annual fee
• No ATM fees at over 17.000 ATMs nationwide (via Napas network)
• No fee to send instantly and 24/7 when sending to a debit card number
• No transfer fees to send or receive all over Vietnam
• FREE disputes for card transactions and investigations into card activities
With the Timo app you get to enjoy the following features (more to be updated soon!):
No more paper work and hassle, now you can easily to open your account right on your phone. All you need to do are click on the Join button from the login screen of the Timo app.
Life is complicated, banking shouldn’t be. That’s why Timo app brings you the simplest way to do banking and manage your money with just your smartphone. The app is user friendly and designed in both Vietnamese and English with loads of useful features.
Upon signing up with Timo, you instantly have all your accounts accessible anytime and anywhere with the Timo app. Your banking is now fully integrated into your daily life: check your account activity, your balances, and move your money around wherever and whenever!
• Move money: FREE transfer money from Timo to any bank in Vietnam. Transfer by debit card number and enjoy FREE and instant 24/7 transfers via the Napas network!
• Top up: top up your phone or your friend’s easily in a blink of eye.
• Bill pay: Moreover, with Timo you can pay your electricity, internet, water… at anytime and anywhere
• Goal Save: Everyone has goals in life. Timo now makes it easier to set and keep track of them! Create, manage, contribute, and enjoy 1% interest per year with goals in Timo Goal Save. Make savings even easier by automating contributions from your Spend Account. Now you’ll reach your goals in no time!
• Term Deposit
Don’t just leave money sitting around! Move excess money from your Spend Account into a Term Deposit with just a swipe! Timo Intelligence will help you with all the calculations and make it way more convenient to optimize your saving. We’re happier when you are saving to make your dreams come true, so let us help you get there!
4. NEED SOME FINANCIAL SUPPORT? Apply for a VPBank loan!
Everyone needs help sometimes. If you are stuck and need a little extra help, apply for a VPBank loan in the Timo app.
• Login in with your username and password, set up a secure quick code only you know (we do not store it), and you can enjoy peace of mind even if you lose your phone!
• Don’t worry about losing your Debit Card anymore! You can now lock your card from within the Timo app to block ATM, POS and online payments. Tap to unlock it again and re-enable transactions again! Control is truly now in your hands!

The future of banking is Timo. Save Time & grow your Money – you deserve control over your finances. Stay tuned for more awesomeness coming your way! We will keep working tirelessly to make sure you have the best experience possible.
More info:
care@timo.vn | 1800 6788 (toll free)
Follow us on Facebook: www.facebook.com/yourtimo

What’s New

Version 25.3

Thank you for banking with Timo! Download the app to experience our new updates!
- A new Timo Dashboard
- Enhance your card security with Auto re-lock function
- A new investment fund in Vina Capital
- Never forget to pay your bills again with Bill pay reminder
- Find CDMs/ ATMs easier with a new locator
- Update new address of Timo Hangout Can Tho


146.2 MB

Requires iOS 8.0 or later. Compatible with iPhone, iPad and iPod touch.


English, Vietnamese

Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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