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.”

With iOTP you can:

  • Quickly browse transactions
  • Easily make transactions even when abroad
  • Use it on any trusted device you want.

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.

Timo or Viet Capital Bank NEVER ask you to provide confidential information such as username, password, OTP or iOTP code.

If you receive such calls, DO NOT give the caller any information, even if the caller reports that they are calling from Timo. Scammers may be trying to hack your account.

Never share your OTP, PIN, username and password and card information (including card number, card issue date, CVV code (if have)) to anyone, including Timo staff.

  • Change PIN frequently.
  • Do not use the same password/username for accounts that are not related to the bank account.
  • Always access Timo via the app or the website www.my.timo.vn, never via the attached link.
  • Do not click or forward links in email, SMS or messaging applications if you have doubts about their authenticity.
  • Never share bank account information and account login information with any 3rd party via phone, messaging app, email or via suspicious websites.

With Timo, the security of customer information is always our top priority besides bringing the best and most convenient products to customers.