Timo Digital Bank

Timo Digital Bank is a smart banking app designed for Vietnamese users who want fast, fee-free financial management. Whether you're sending money to friends, paying bills, or investing for the future, this digital bank delivers a practical banking experience without the traditional costs.

Manage your finances with complete freedom. Make unlimited free transfers to any bank in Vietnam—up to 1 billion VND daily—instantly, 24/7. Send money with personality by adding emoji reactions to transactions, share payment links to transfer funds in seconds without revealing account details, or use QR codes to receive payments securely. For everyday spending, pay at millions of merchants nationwide by scanning VNPAY-QR codes, settle utility bills and phone top-ups instantly, and enjoy cardless withdrawals at over 17,000 ATMs using VietQR codes.

Grow your money intelligently. Set automatic savings goals that accumulate daily, weekly, or monthly, or open term deposits with competitive interest rates on flexible timelines. The Money Pot feature lets you divide your income into purpose-specific categories—rent, food, entertainment—so you always know where your money goes. Track everything with detailed cashflow overviews, spending by category, and payment reports that reveal your financial habits at a glance. Access capital when you need it through a free Timo Visa credit card with no annual fees, interest-free spending for 55 days, or overdraft services for unexpected expenses.

Stay connected and secure. Upgrade your account with video call verification to unlock international payments and boost your transfer limits. Link popular e-wallets like Momo and ZaloPay directly to your Timo account. Experience international online shopping with Timo's virtual Visa debit card. Protect your finances with multi-layer authentication and real-time transaction alerts. Investment partners including VinaCapital and Liberty Travel Insurance offer wealth-building and insurance solutions tailored to your needs.

Earn rewards by inviting friends through your unique referral code and climbing the Timo Star Club ranks. Receive your physical debit card to unlock additional benefits: touch payments for faster checkout, instant card controls to lock or reissue in case of loss, and cash deposits at CRM machines. Timo Digital Bank has been recognized as the best digital bank for four consecutive years, earning customer trust through exceptional service and zero-fee banking. Download Timo today and experience banking reimagined.