YOUR DIGITAL ACCOUNT
The private banking experience you’d expect from other banks, but without hassles.
Pay your utility bills or top up your phone instantly.
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.
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.
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.
It’s really easy – try it!
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
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:
Read Terms and Conditions here.
Instantly download and open an account in-app!
Frequently Asked Questions
How to join us?
Step 1
Download the Timo Digital Bank app on App Store or Google Play Store
Step 2
Follow the instructions to create your digital bank account
Step 3
Complete the process and enjoy our banking service
CUSTOMER / DEVELOPER SUPPORT
Hotline: 1800 6788
Email: care@timo.vn
Call Centre working hours:
– Monday – Saturday: 08:00 a.m. – 10:00 p.m.
– Sunday: 08:00 a.m. – 08:00 p.m.
Is there any interest earned if I keep my money in the Spend Account?
+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?
+What is a Timo Spend Account?
+After finishing the app registration procedure, can I use Timo account?
+- Make transfer/top-up/bill pay up to 100,000,000 VND monthly.
- Receive and deposit money to your Spend Account with no limitation.
- Create unlimited Term Deposits with attractive interest rate.
- Set up and manage your profile and settings.
However, you can't withdraw money till the date you get your Timo Debit card. To get complete access to the digital account with higher transfer limits and bill payment limits, a visit to the Timo Hangout to complete the wet-signature and Debit card collection process is mandatory.