YOUR DIGITAL ACCOUNT

The private banking experience you’d expect from other banks, but without hassles.

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.

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; 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!

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!

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.

Frequently Asked Questions

Is there any interest earned if I keep my money in the Spend Account?

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Yes. There is an interest rate of 0.1%/year that is applicable.

I have activated iOTP, however it’s disable now. What should I do to activate again when I am abroad?

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We recommend that you activate your iOTP before you travel abroad as there is an SMS OTP required to setup. If your phone has a roaming plan and you are able to receive SMS messages when overseas, then this does not apply to you. To activate iOTP, follow these simple steps:

Log in to the app and tap on your Profile
Choose Security Settings and tap on iOTP
You will be prompted to enter the OTP sent to your registered Mobile number for activation

I have transferred funds but the beneficiary says the funds have not yet been received. How can I track the transaction?

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Your funds may not have reached the beneficiary due to incorrect beneficiary information. To track your transaction, we will need you to provide us with the following information, via email to care@timo.vn or via the Timo Plus Care 1800 6783 for us to check:

The transaction ID
The amount of transfer
The time of transfer
The receipt of the transfer (If any)

My friend sent me money but I have not received it. How can I check it?

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To track your transactions, we will need you to provide us with the following information via email to care@timo.vn or via the Timo Plus Care 1800 6783 for us to check:

Successful transaction code (please ask the sender to contact their sending bank to collect this code)
The amount of transfer
The time of transfer
The name of sending bank
The receipt of the transfer (if any)

How do I change my phone number and email address registered with Timo Plus?

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Please bring your Valid ID/Passport and Valid Visa/Residence Card (for Foreigners only) to the Timo Plus Hangout at 2nd floor, 194 D-E Pasteur, Ward 6, District 3, Ho Chi Minh City to update this information.

YOUR DIGITAL ACCOUNT

Enjoy banking in a way most people don’t

The Private Banking experience made easy

Your account is always protected

The quickest way to open an account

Frequently Asked Questions

Is there any interest earned if I keep my money in the Spend Account?

I have activated iOTP, however it’s disable now. What should I do to activate again when I am abroad?

I have transferred funds but the beneficiary says the funds have not yet been received. How can I track the transaction?

My friend sent me money but I have not received it. How can I check it?

How do I change my phone number and email address registered with Timo Plus?

How to join us?

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