- Pay bills
- Transfer money, receive money transfer
- Mobile top-up
- Send Payment Request/Split Bills to Timo friends
- Check transaction history
- Receive foreign currency transfers from abroad
- Cashflow by Category
Spend Account

What is Spend Account?
+Timo Spend Account is your main account, for daily use. Your debit card is issued with this account. With this account you can:
Am I charged any fees by using Timo?
+[av_textblock size='' font_color='' color='' id='' custom_class='' av-medium-font-size='' av-small-font-size='' av-mini-font-size='' av_uid='av-lk96szt6' admin_preview_bg='']
Your Timo account is completely free of fees such as annual fee, account maintenance fee, transaction fee for transferring money from the application and withdrawal transaction fee at ATM. You can refer to the detailed information more at:
- Spend Account's Tariff: https://timo.vn/wp-content/uploads/Spend-Account-Tariff-15.08.23.pdf
- Timo Debit Card's Tariff: https://timo.vn/wp-content/uploads/Napas-Debit-Card-Tariff-07.08.23.pdf
What account packages does Timo have?
+Currently, Timo offers the following account package for foreigners:
- Full Timo account package: For customers who have completed issuing Timo Debit cards at Timo Hangout, money transfer limit is up to 5 billion VND/day, and you can use full product services such as withdrawal transactions, online payment via card, linking e-wallets,...
I want to transfer with an amount more than 5 billion VND/day?
+Please kindly bring your original passport and Visa/TRC (valid, clear information) directly to Viet Capital Bank for transfer support at the counter.
I want to withdraw cash from Timo account in large amount?
+Please kindly contact 1800 6788 to inform in advance about the amount, time and which Viet Capital Bank you want to withdraw cash from for further support.
Timo Debit Card

How to apply for a Timo Debit card?
+Currently, for foreigners, 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?
+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.
What should I do when my account temporarily locked?
+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?
+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?
+Please log in to the Timo application, select the Profile Picture, select Manage Cards and lock the card for safety. You can then request a card reissue at the Manage Cards section of the Timo app. Timo debit card re-issuance fee is 55,000 VND and please come directly to Timo Hangout with your original passport and TRC/Visa to receive a new card.
Term Deposit

How to open a Term Deposit in Timo?
+Choose Term Deposit when login Timo app, select the Purple Circle button to see the interest rate and open a Term Deposit account. The minimum deposit amount is 100,000 VND and multiples of 100.
What types of Term Deposit does Timo have?
+Currently, Timo supports opening a Term Deposit with competitive interest rates in two forms:
- Fixed term deposit: On the due date of payment, all principal and interest will be transferred to your Spend Account.
- Deposit in the form of roll over: On the due date of settlement, all principal and interest will continue to be deposited equivalent to the selected term with the current interest rate applicable on the date of renewal of a term deposit.
Can I close my Term Deposit early?
+You can close your Term Deposit early. However, the interest rate received will be only 0.2%/1 year.
Smart Features

What is a Money Pot?
+A Money Pot is a way for you to actively manage your spending. After creating the Money Pot, you can set up the time and the amount to be accumulated into the pot by day/week/month.
Can Timo be linked with E-wallets?
+Currently, Timo can be linked with e-wallets such as MoMo, ShopeePay, ZaloPay,...
You can link your Timo card with e-wallets by following these steps:
- Choose the form of linking account number/card number.
- Select Viet Capital Bank (select Timo bank if you link the account in MoMo app).
- Enter the card number, cardholder name, ID card/Passport,... as required by the e-wallet (this information needs to match with the information issued on your Timo card)
The E-wallet deposit failed but the account is still deducted?
+In this case, please contact 1800 6788 or send information to email care@timo.vn for further support.
Please note that: You should always be wary of people claiming to be bank employees and asking you for your card number, login information and OTP code.
What is a Payment Request?
+Payment Request is a smart feature that allows customers to manage payments better. These amounts are divided into “Outstanding” (payment hasn't been completed) and “Completed” (payment has been completed). The Payment Request is an exclusive feature among Timo members, only sent to Timo users.
What is Split Bill?
+Split Bill helps you settle shared payments with friends and improves your ability to manage your personal spending. You can use it for both Timo and non-Timo users through the phone number saved in the phonebook.
Security

What is OTP and iOTP?
+OTP is a one-time password containing 4 characters, used to confirm banking transactions or online payment transactions. OTP is sent to customers via SMS of registered phone numbers while executing transactions to ensure the transaction is validated.
iOTP (fast OTP code) works like SMS OTP, this 4-character code is generated right in the Timo app, so you can make transactions even when you are abroad."
What are the benefits of using iOTP?
+With iOTP you can:
- Quickly browse transactions
- Easily make transactions even when abroad
- Use it on any trusted device you want.
What types of transactions need OTP that I have to set up for Timo account?
+OTP will be sent to you for the following types of transactions:
- Log in
- Verify bank transactions
- When logging into a new device.
What is e-commerce Lock/Unlock?
+This feature is used to block your Timo debit card from being used for online payment transactions. If you disable e-commerce, you will not be able to use your card to make online transactions on any platform. However, you can still use your card at ATMs or swipe at normal POS machines.
What should I do if I see strange transactions from my account?
+Log in to the Timo app, lock your card and change your password instantly! Then call the Timo Care hotline on 1800 6788 to report the problem and get further support.
Interested?
Download Timo app now and enjoy our exclusive banking service!
Or find out how to join us here >>
Accounts & Cards
Financial products
CUSTOMER / DEVELOPER SUPPORT
Hotline: 1800 6788
Email: care@timo.vn
Call center working hours:
– Monday – Saturday: 08:00 a.m. – 10:00 p.m.
– Sunday: 08:00 a.m. – 08:00 p.m.
About Timo
+Address and working hours of Timo Hangout?
+What is Timo contact & support information?
+The Timo Digital Banking Community (Official Group)
+Cash Recycling Machines (CRM)’s address?
+