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 transaction limit for Timo Debit card (not exceeding the bank’s prescribed limit).
  • Timo Debit card always requires a PIN (for POS transactions from 1 million VND) or an OTP to verify & protect your transactions.
ứng dụng chuyển tiền timo

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

Instantly download and open an account in-app!

Download Timo app

How to apply for a Napas Debit Card?

Công dân Việt Nam và người nước ngoài trên 18 tuổi được cư trú hợp lệ tại Việt Nam có thể mở Thẻ ghi nợ Timo qua ứng dụng điện thoại một cách nhanh chóng và đơn giản.

What do you need to apply?

  • A smartphone (and a good data connection)
  • A few minutes of your time
    For Vietnamese: Valid National ID in a clearly identifiable condition.
  • For Foreigners*: Need to come directly to Timo Hangout to open Timo Debit card with 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

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.

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

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.

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.
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.