Timo Spend Account hassle free 24/7 transaction

Enjoy banking in a way most people don’t

Everyday banking made easy

Your Spend Account is like a dashboard for all your banking needs.

Pay your utility bills or top up your phone instantly.
Check your balance and contribute to savings in just a few taps.
View your transaction history and share a receipt easily using your preferred messaging apps.
Easily connect to MoMo, ZaloPay e-wallets via your bank account number.

Mở tài khoản thanh toán online để giao dịch dễ dàng hơn

No hidden fees

Our Spend Account is your Digital Account that’s super quick and easy to open. The moment your digital account is set up, you can start using it immediately while you wait for your Debit card.

Make Timo to Timo transfers for free
Enjoy high domestic interbank transfer limits
Money transfers and bill payments are free.

See our fee structure here.

Move and receive money in a few taps

Need to send or receive funds quickly? With fast transfers supported by 40+ banks in Vietnam, you can get your funds moving in minutes using the account number or the Napas Debit card number.

Add a fellow Timo member to your payee list by scanning their QR code or by entering their email/phone number; or
Share your Timo bank details in the app and receive transfers from any bank in Vietnam or overseas.

It’s really easy – try it!

Find out more about Timo Spend Account limit here.

Read more about how to send/receive money from overseas into Timo account here.

Instantly download and open an account in-app!

Download Timo app

The Private Banking experience made easy

Your Spend Account is fully equipped with a Napas Debit card, virtual savings accounts and bill payment options so you can manage and keep track of all your finances in the app with ease.

Money management

Pin your preferred payees to the top of your Payee list and move money to them in a few taps. You can move funds to other Timo members or non Timo members in a few quick steps.

Social banking

Split a dinner or drinks bill with your Timo friends using the Payment request feature or share a receipt of the payment with your friends through any social app.

Instant notifications

Get in-app and email notifications of every transaction made. The notification centre stores your transaction history of the last 05 days so you can look back whenever.

Your account is always protected

Transaction authorisation
Authorise your transaction with instant in app OTP – a more secure level of authentication.
App security
Variety of security measures to login with Biometrics or username and password.
Protected funds
Timo gives you full access to your account while all your money is secured and protected at Viet Capital Bank and the State Bank of Vietnam.

Instantly download and open an account in-app!

Download Timo app

The quickest way to open an account

Get a Timo account using your smartphone – it’s fast and simple. As long as you’re 18 years old, you can apply. All you need is:

A smartphone (and a good data connection)
A few minutes of your time
For Vietnamese: Valid National ID or Passport in a clearly identifiable condition.
For Foreigners*: 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 Terms and Conditions here.

Instantly download and open an account in-app!

Download Timo app

Frequently Asked Questions

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:

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

Am I charged any fees by using Timo?

+

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/2021/01/Spend-Account-Tariff.pdf
Timo Debit Card's Tariff: https://timo.vn/wp-content/uploads/2021/01/Debit-Card-Tariff.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.

YOUR DIGITAL ACCOUNT

Enjoy banking in a way most people don’t

Everyday banking made easy

No hidden fees

The Private Banking experience made easy

Your account is always protected

The quickest way to open an account

Frequently Asked Questions

What is Spend Account?

Am I charged any fees by using Timo?

What account packages does Timo have?

I want to transfer with an amount more than 5 billion VND/day?

I want to withdraw cash from Timo account in large amount?

Interested?

About Us

Accounts & Cards

Financial products

CUSTOMER / DEVELOPER SUPPORT