TIMO DEBIT CARD

Modern convenience in your hand.

Download Timo app

No hidden fees

No withdrawal fee at over 17,000+ ATMs nationwide.
Swipe for free at merchant’s POS’s across the country.
No account maintenance fee & No minimum balance required.

See the complete fee schedule here.

Total security

Lock & unlock your card at anytime right in the app.
Set the auto lock feature to automatically lock your card after every transaction.
Timo Debit card always requires a PIN or an OTP to verify & protect your transactions.

Connect E-wallets

Easily connect to the most popular e-wallets such as MoMo, Moca, ZaloPay, ShopeePay.
Enjoy cashless shopping & promotion hunting when depositing money from the Timo Debit Card to E-wallets.

Instantly download and open an account in-app!

Download Timo app

Intelligent features

Secure

To verify & protect your transactions, your Timo Debit card always requires a PIN or an OTP. Your 6-digit PIN is used for ATM & POS transactions and an OTP is required for online purchases. Never share your PIN/OTP with anyone.

Smart

Immediately lock your card if you notice any strange transactions and unlock it at any time right in your Timo app. Lost your card or forgotten your PIN? No need to visit our bank, just request a new card or reset your PIN in the app.

Fast

The Napas network is connected with 40+ banks in Vietnam, giving you access to express transfers 24/7. You just need to know the card number and funds will be credited instantly.

Instantly download and open an account in-app!

Download Timo app

How to apply for a Napas Debit Card?

Vietnamese nationals and Foreigners who are above 18 years of age and legally living in Vietnam can apply for a Napas Debit card using your smartphone – it’s fast and simple.

What do you need to apply?

A smartphone (and a good data connection)
A few minutes of your time
For Vietnamese: Valid National ID or Passport in a clearly identifiable condition.
For Foreigners*: Valid Passport in a clearly identifiable condition AND one of the following valid documents issued for a period of at least 12 months:
- Valid Visa, OR
- Temporary Resident Card, OR
- Permanent Resident Card.
*Note: The above documents can have less than 12 months remaining, but must be valid at the time of applying to join Timo. Certificate of Visa exemption is not admissible.

Read our Terms & Conditions here.

Read our Debit card’s transaction Limit here.

Read more about how to send/receive money from overseas into Timo account here.

Read the instructions for depositing cash here.

Instantly download and open an account in-app!

Download Timo app

Frequently Asked Questions

How to apply for a Timo Debit card?

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Currently, for foreigners who has a 1 year Visa/TRC/PRC (which was issued enough 365 days), Timo supports issuing Timo Debit cards at the Timo Hangout office and your outbound transfer limit is up to 5 billion VND/day.

Fees of Timo Debit card?

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The Timo Debit card will be completely free of fees such as annual fee, card maintenance fee and withdrawal transaction fee at the same or another bank ATM. See more infomation at Here

What should I do when my account temporarily locked?

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In case, your application is temporarily locked, please kindly contact Timo Care 1800 6788 (toll-free) with the phone number registered with Timo for assistance to unlock. Timo would like to note that account owners need to contact them directly for support.

Forgot PIN or locked card, what to do?

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In case your Timo Debit card has been locked due to submitting an incorrect or forgotten PIN, you can reset a new PIN on the Timo app or my.timo.vn website by following these steps:

Login to your Timo account
Select Profile Picture
Select Manage Cards
Select Timo Debit Card
Press (+), select change PIN and follow instructions from app/website.

What to do when my card is lost or swallowed at an ATM?

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Please kindly log in to the Timo application, select your Profile Picture, select Manage cards and lock the card to ensure safety.

Then you can choose 1 of 3 options:

1/ Apply for a cardholder confirmation to receive the swallowed card back at another bank's ATM: You provide your name, Passport number, and ATM card address so that Timo can assist in providing the Cardholder Confirmation. Then you bring this Confirmation and your Passport and TRC/Visa to that bank for assistance in receiving the swallowed card back.

2/ Re-issue a new card and receive it directly at Timo Hangout:

- Log in to the Timo app/website, select "Manage Cards"--> "Request a New Card" -> choose to receive a card at the nearest Timo Hangout.

- Card re-issuance fee is 110,000 VND.

- When you have a convenient time, you can bring the original ID card/CCCD (Passport and Visa/TRC/PRC for foreigner) to Timo Hangout to receive the card.

3/ Re-issue a new card and receive it via courier:

- Log in to the Timo app/website, select "Manage Cards"--> "Request a New Card" --> enter the card delivery address.

- Card delivery time is expected to be 5-7 working days (excluding the date of receiving information, Saturday, Sunday and public holidays).

- Card re-issuance fee is 110,000 VND.

- Card delivery fee: free.

Note: Fees may change from time to time.

TIMO DEBIT CARD

Intelligent features

How to apply for a Napas Debit Card?

Frequently Asked Questions

How to apply for a Timo Debit card?

Fees of Timo Debit card?

What should I do when my account temporarily locked?

Forgot PIN or locked card, what to do?

What to do when my card is lost or swallowed at an ATM?

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