Invite your friends to join Timo to get 20K each*

The more successful invitations sent.
The more rewards you receive.

Rewards for the Sender

20k/successful invitation using the sender’s referral code.

Rewards for the Receiver

20k cash reward after successfully opening a Timo digital account.

How to join Timo using your friend’s referral code?

Follow in-app instructions to quickly set up your account.


Download Timo app and Get started by entering your information.


Enter the referral code sent by your friend on the referral code screen.


Take a selfie for facial verification.


Scan your valid documents as requested.

Start using your account immediately without waiting for a Debit card

How to invite a friend using your referral code?

Just a few steps to invite your friends to join Timo.


Tap (•••) button at the navigation bar then choose "Invite Friends".


Choose to edit or skip editing to share your default code at the Invite Friends section.


Press “Share” to send your referral code via social apps or tap “Copy” to send it to your friends via any channels.


Check your list of friends who has successfully joined by tapping the “View Joined” tab.

Don’t just spread the word, spread your referral code also.

As a Timo customer, you have access to a unique referral code that can earn you a bonus when you introduce others to the Best Digital Bank in Vietnam.

And if you’re invited to join Timo by a referral code, you just need 5 minutes to input the code & open a Timo account to start making transactions immediately. You will then have your own unique referral code and can use it to invite your own friends.


The promotion will occur from 28th May 2021 till 28th July 2021.

Vietnamese citizens or Expatriates living and working legally in Vietnam, over the age of 18.
Note: Partner companies and promotional partners like advertisers and media are not allowed to participate in this programme.

No, you can’t. You must have a Timo account before sending invitations to your friends.

You will be rewarded only if the Invitee inputs your Referral Code before you change your code. In case the Invitee inputs the old Referral Code after you have changed your Referral Code, you won’t get the reward. We recommend that you notify your invitees as soon as you decide to change your Referral Code.