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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 19.0

- Friends who join via mobile app can now use your referral code
- No longer need Fast Cash? Early closure option available
- Bug fixes and performance improvements to keep Timo running smoothly

Ratings and Reviews

2.7 out of 5

12 Ratings

12 Ratings

Onboarding is terrible


Signed up on their website and asked to create login ID and password. One of their representatives then called to setup an appointment for me to come in to pickup my card.

Showed up for appointment but Timo staff weren’t ready and no one asked who I was. After waiting around for 20 minutes I was finally directed to a round table with 4 other new customers and we were asked to hand over our ID cards and other personal details without regard for any privacy.

How can you trust a financial app with your money when they think it is ok to openly broadcast all your personal details to a group of strangers?!! No thanks!

Also the login ID and password they had me create didn’t even work so I never got a chance to test out the app.

Needs more features

Vito Kwok

App is ease to use.
Still miss the finger print unlock with could be standard for now
Need more secure passcode: 6 digits or alphabet passcode.

Developer Response

Thank you for your review. Timo will try our best to provide the best experiences to customers.

Everything’s fine but


No Face ID/ Touch ID feature. Seriously?


108.4 MB
Requires iOS 8.0 or later. Compatible with iPhone, iPad, and iPod touch.
English, Vietnamese
Age Rating
Rated 4+


  • Family Sharing

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

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