What should I do if someone calls and asks me to give them OTP sent to my phone? Should I answer if the caller said that he/she was calling from Timo?

Timo or Viet Capital Bank will NEVER ask you to provide any sensitive information like your Username, Password, OTP or iOTP codes. If you receive such calls, DO NOT provide the caller with any details even if the caller claims they are calling from Timo. These are fraudsters trying to hack your account.