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Free money withdrawing, transferring with TIMO DIGITAL BANK

As being nominated as best digital bank in Vietnam for 3 consecutive years, Timo is committed to bring you many fantastic banking services such as:

• 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.

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

• Fun money-transferring experience with features:

- 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.

- Easily check transaction history with anyone in just 5 seconds.

- TimoPay with Link: transfer money to anyone within 3 seconds without knowing their bank account.

- TimoPay with QR Code: Receive payment quickly without sharing your account information

• Smart savings products:

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

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

• 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.

• Reliable security protocols with multiple factor login authentications and instant transaction notifications.

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


• 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.

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

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 2.10.1

Start your 2022 with a solid financial ground and all the success follows.
- Li Xi by Timo has come back with an exclusive collection of Li Xi Envelopes, kicking off a fresh start to a triumphant and successful year. The lucky money is packed inside our online envelopes that are inspired by the joyous theme of 2022 Year of the Tiger. This envelope is exclusively designed by Timo to help you send messages from your hearts with vivid images and sincere wishes.
- Welcoming Tet of 2022, Timo proudly presents for the very 1st time a new way to li xi: Li Xi Term Deposit. With its highly competitive interest rate, this type of li xi is not only to give away lucky money but also gives your loved ones a head start with advantageous finance resources, as they march into the new year with confidence and success.

Ratings and Reviews

3.0 out of 5
6 Ratings

6 Ratings

Yuri.dao ,

Làm khó khách hàng

Muốn nâng hạn mức sử dụng / chuyển khoản hang tháng mà Timo bảo Quý khách vui lòng sắp xếp thời gian đến trực tiếp Timo Hangout cùng với Giấy tờ tùy thân (bản gốc rõ thông tin và hiệu lực) để được hỗ trợ.
Ủa?! Mấy bank khác chỉ cần click vào, chọn nâng hạn mức là được. Còn Timo, là cứ phải gặp trực tiếp. Dịch covid tràn lan, biến chủng đủ thứ kiểu… nghĩ sao đi tới bank cho vừa mệt, vừa có nguy cơ nhiễm covid vậy Timo.

Developer Response ,

Chào bạn, Timo chân thành xin lỗi về trải nghiệm này. Theo quy định của Ngân hàng Nhà nước thì các tài khoản định danh trực tuyến eKYC sẽ có hạn mức giao dịch tối đa là 100 triệu/tháng ạ. Trường hợp bạn cần nâng hạn mức giao dịch, bạn vui lòng sắp xếp thời gian đến Timo Hangout để được hỗ trợ. Nếu bạn có vấn đề cần hỗ trợ thêm, bạn vui lòng liên hệ Timo Care qua hotline: 1800 6788/email: care@timo.vn bạn 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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