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  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
  • Timo Digital Bank
Description of Timo Digital Bank

Smart spending and investment management with TIMO Digital Bank – free of all fees.

Free withdrawals and transfers with TIMO DIGITAL BANK.

TIMO DIGITAL BANK - The best bank for 3 consecutive years - is committed to bringing you great experiences such as:

· Free 24/7 fast transfer to all banks in Vietnam with money transfer limit up to 5 billion VND/day.

· Upgrade your online account package with Video KYC to unlock international payments and increase money transfer limit up to 5 billion VND/day.

· Connect with popular e-wallets: Momo, ZaloPay, ShopePay right from the first login.

· Exciting money transfer experience with features:

- Send notifications of receipt of money by heart, haha or outrage for transactions with friends using Timo.

- Send money transfer messages in Vietnamese and Emoji.

- Easily view Transaction list with each individual.

- TimoPay with link: Allows you to fast transfer money by sharring a link to anyone in 3 seconds without knowing their bank account number.

- QR Code: receive payments or deposits quickly without sharing your account information.

· Pay by scanning VNPAY-QR code without cash safely - quickly - conveniently at payment acceptance points.

· Experience international online payment with Timo Debit Visa virtual card.

· Smart saving products:

- Goal Save: help you achieve your short-term financial goals with automatic accrual settings by day, week or month.

- Term Deposits: allows you to open an online savings account with competitive interest rates and flexible terms.

· Money Pot: help break down your incomes and manage them effectively in the form of Money Pot corresponding to your own use.

· Invite your friends to join Timo with your own referral code and follow the journey with Timo Star Club.

· Investment partner VinaCapital, VCAM and Liberty Travel Insurance are both profitable investment solutions and protect yourself and your loved ones.

· Secure method trusted by multiple layers of login authentication and instant notifications when making transactions.

· Payment of utilities: bills (electricity, water, Internet, postpaid mobile phones...), phone top-ups...

As soon as you receive your TIMO debit card, YOU CAN INCREASE MORE BENEFITS:

· Free withdrawals at more than 17,000 ATMs and POS payments at all card-accepting units nationwide.

· Quickly top up cash at the CRM (Cash Recycling Machine) system.

· Touch payment with Chip card is fast and safe.

· Activate, lock/unlock and reissue the card right on the app in case the card is lost.

· Link more e-wallets with Timo card numbers such as: Momo, ZaloPay, ShopeePay, Moca, VinID...

OPEN A TIMO VISA CREDIT CARD TO ENJOY:

· Spend cashless with a limit of up to VND 500 million at more than 30 million card-accepting locations worldwide.

· Free annual card for life and enjoy spending up to 55 days with absolutely 0% interest charged..

· The installment feature helps you convert large expenses into smaller ones and choose the right repayment period.

Quickly open an online Timo account to enjoy a practical banking experience with your life.

If you have any questions, please kindly contact us:

Hotline: 1800 6788 Email: care@timo.vn Website: www.timo.vn

Hangout:

· Hangout Saigon: 258 Nam Ky Khoi Nghia, Vo Thi Sau Ward, District 3, Ho Chi Minh City.

· Hangout Hanoi: 318 Hue Street, Pho Hue Ward, Hai Ba Trung District.

· Hangout Da Nang: 23 Nguyen Van Linh, Binh Hien Ward, Hai Chau District.

· Hangout Can Tho: 79A Tran Phu, Cai Khe Ward, Ninh Kieu District, Can Tho.

Version history Timo Digital Bank
New in Timo 24.24
We’ve updated the app to help enhance your Timo experience. Here are some of the improvements in this release:

Software bug fixes

Speed and reliability improvements

Security and privacy updates
New in Timo 24.12
Timo Challenge: Cashless Hero has officially launched! Do you dare to accept the challenge and join Timo in protecting the environment? Choose the Explore tab, access the Challenge feature in the Timo app to learn more details.
New in Timo 24.11
The option to add the payees you need to your Timo payee list after synchronizing it with phone's contact list is now available, helping to save valuable time and simplify operations.
New in Timo 24.8.1
We’ve updated the app to help enhance your Timo experience. Here are some of the improvements in this release:

Software bug fixes

Speed and reliability improvements

Security and privacy updates
New in Timo 24.1
Happy New Year! Start 2024 by taking more control of your personal finances with the Asset Tracker Premium 3-month plan. You'll have access to all premium features, including Unlimited Custom Tags or the ability to Add New Asset from external sources outside of Timo. This will help you stay on top of your personal finances, all for just 55,000 VND
New in Timo 23.47
How have your finances been in the past year? Let's take a retrospective look at your 2023 financials with Timo, highlighting notable figures to help you plan your income and expenses wisely for the upcoming year!
New in Timo 23.45
- Upgrade to Asset Tracker Premium for unlimited custom tags! Enjoy personalized classification and receive premium reports reflecting your financial status and unique lifestyle.

- Timo's "Other" tab is now your shortcut to a much broader range of products – say hello to the "Explore" tab! Uncover features like Bill Pay, Payment Requests, Fund Investment, Travel Insurance, Games, and more effortlessly. Embark on a path of convenience and enjoyment right from here!
New in Timo 23.44
- Build good financial habits with our Monthly Saving Streak feature

- Never miss another monthly payment! Now you can schedule recurring transactions easily

- We are excited to announce the official launch of our new game, 'Rock Paper Scissors - Tomi Edition'! Get ready to start a new adventure our rascally mascot, Tomi!
New in Timo 23.39
Join "Tomi's Journey to the West" game – your adventure is calling!
Master your finances by setting Spending Limits for sub-categories to gain greater control.
Can't remember what you spent on? Use the merchant's name to quickly find transactions in your history.
Don't forget to try our Auto-Deposit feature, making it a breeze to start your Monthly Savings Habit.
Last but not least, with a linked Visa debit card, you'll unlock a "new skill" for your Money Pot.
New in Timo 23.37
We’ve updated the app to help enhance your Timo experience. Here are some of the improvements in this release:
- Software bug fixes
- Speed and reliability improvements
- Security and privacy updates
New in Timo 23.35
The interface for Term Deposits has been updated, now you can more easily track your interest-earning deposits in a completely new, cleaner, more intuitive, and more beautiful design.

We've listened to your feedback and upgraded the Money Pot feature, making it simple to transfer money from pot to pot just by using Top-up or Withdrawal. Give it a try!
New in Timo 23.33
The Timo Widget with a QR code is now available on both Android and iOS. Quickly add it to your home screen to enjoy lightning-fast money transfers!
Hate being bombarded with notifications? We've listened to your feedback and reduced the notifications when a transfer is completed. Enjoy a more streamlined receipt display and an optimized user experience.
New in Timo 23.31
Exciting news – we've just unveiled a brand-new badge over at Timo Points! Let's dive in and see if you're among our crème de la crème, the top 5%!
New in Timo 23.28
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Smashed some bugs
- Speed & privacy improvements
New in Timo 23.26
- Who said personal finance couldn't be secure and fun?
- With Timo, you can choose a nickname to receive transfers, making it even more enjoyable!
- Plus, get attractive Bonus Interest Rates on bigger Term Deposits.
- The interface of the Privilege in the Timo Points section has also been updated, making it easier to get a quick overview of each offer.
Timo is the bank that makes you wealthier and happier!
New in Timo 23.25.1
International transactions are easier now that you can copy SWIFT codes.
New in Timo 23.24
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Smashed some bugs
- Speed & privacy improvements
New in Timo 23.21
- Enhanced user experience with Social Banking: the tabs "Your requests" and "Requests to you" have been switched, and further improvements have been made to make it easier to track and complete bill split.
- Tired of typing in ATM card information every time you need to fund your Timo account? Now you have the option to store this information in the app for quick access.
New in Timo 23.19
- From now on, you can easily tailor your Cashflow by Category report with the new features: Edit and Multi Tag in Transaction History.
- Use Money Pot like a champ with Direct Transfer feature: receive Money to one of your Money Pots without transferring via spend account, have better control and management over the cash flow of your Money Pots, accurately and efficiently.
New in Timo 23.16
- Now you can update your job title, tax number, and other related information for your Timo account at my.timo.vn.
- Your custom tags for transactions don't spark joy anymore? Be like Marie Kondo, declutter them now with our lasted update!
New in Timo 23.15
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Smashed some bugs
- Speed & privacy improvements
New in Timo 23.14
- Trying to stay on budget but failing miserably? No worries, Setting Budget feature has got your back!
- Get suggested daily spending, duplicate budgets, and review your budget history for recurring expenses.
Start living your best life without breaking the bank today!
New in Timo 23.13
- View credit card reports by categories from Visa Credit Card or Cashflow by Category report
- Switch between months in the detail category report and sort transactions by amount and date
- You will be honored with a special badge when you are in the top 10% of Timo Points
- Refer to detailed information and find the phone screen broken insurance package that suits your needs in the Top Up
- You can edit your job and add your personal tax identification number at the Edit Profile screen
New in Timo 23.12
- A fresh new look for your home screen
- Easier access to essential features such your Transaction list, Card Management, Cash flow report etc
- View and Manage your money pots directly on the home screen
- One click access to security Management and budget limits
New in Timo 23.11
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Smashed some bugs
- Speed & privacy improvements
New in Timo 23.10
- Discover "Cashflow Overview" - a new option in our suite of PFM reports to quickly see your spending/deposit trend by day/month/week/year
- Want to create a budget but you do not have the tag you need? Create custom tag within the "Select category" screen of "Setting Budget" feature
- Top up your money pot in percentage mode to easily match it with your budget planning
- Vietnam ID card holders can sign up to a Timo account via an international phone number from anywhere in the world
New in Timo 23.9
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Smashed some bugs
- Speed & privacy improvements
New in Timo 23.6
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Smashed some bugs
- Speed & privacy improvements
New in Timo 23.1
- Secure and convenient authentication of money transfer with biometrics
- Ability to hide account balance when viewing transaction list
- You can top-up your pot directly from transaction receipt screen
- You can decline split bill request by relaying humorous emojicons
New in Timo 2.39
We've improved the convenience of doing repeat "move money" transfers by adding a "send again" button which autofills payment amount during the iOTP process.
We've also added a new button to keep your account number secret when tapping the share button to send your receipt's image to friends.
Find out our new version to explore!
New in Timo 2.35
Timo improves the user experience in this release:

Maximize payment experience at 7-Eleven store by QR. And you can manage and share your spending easily with Money Pot Spending Progress.

Let's explore interesting features with Timo!
New in Timo 2.29
Timo app launches the New feature "Split Bill" that you can:
- Split and send requests to friends after the rep pays
- Effectively payment status tracking
- Friends can pay your request through any bank and e-wallet
Stay tuned for more impressive upcoming products & features!
New in Timo 2.27
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Smashed some bugs
- Speed & privacy improvements
New in Timo 2.26
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Add Month Selector for easier swithching between Report months
- Smashed some bugs
New in Timo 2.22
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Enhance classifying experience with new interface
- Smashed some bugs
- Speed & privacy improvements
Stay tuned for more impressive upcoming products & features!
New in Timo 2.21
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Smart budgeting by dividing money pot
- Better controlling and recording with pot's transaction history
- More convenient with multiple top up and auto recurring mode in money pot
- Upgrade bill payment flow
- Add classification tag for inbound transaction
Stay tuned for more impressive upcoming products & features!
New in Timo 2.14
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Smashed some bugs
- Speed & privacy improvements
New in Timo 2.13.1
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Launching cash flow report feature. Managing your personal finance is easier than ever with Timo
- Introducing VOZ exclusive experiences for Vozers
- Smashed some bugs
- Speed & privacy improvements
New in Timo 2.12
We’re working on the Timo app experience to ensure it is faster and more reliable to you. Here are some enhancements you’ll find in our latest update:
- Foreign customers can open Term Deposit more easily
- Smashed some bugs
- Speed & privacy improvements
New in Timo 2.10.2
Start your 2022 with a solid financial ground and all the success follows.
- Welcoming Tet of 2022, Timo proudly presents for the very 1st time a new way to li xi: Li Xi Term Deposit. With its highly competitive interest rate, this type of li xi is not only to give away lucky money but also gives your loved ones a head start with advantageous finance resources.
- The lucky money is packed inside our online envelopes that are inspired by the joyous theme of 2022 Year of the Tiger.
New in Timo 2.9
A new feature is here:
- Open Timo account easily with a lean registration process and utilized online verification technology.
Stay tuned for more impressive upcoming products & features!
New in Timo 2.8
The new feature is here:
- Customer support Live Chat – We are “online” on the app with you.
- Feel free to ASK US ANYTHING without exact keywords (because we’re not Chatbot), we get them all. Just simply tap on the bubble chat icon to connect with our Timo Support team.
If you have any questions, please contact us at:
In-app Live Chat support
Hotline: 1800 6788
Email: care@timo.vn
Website: www.timo.vn
New in Timo 2.7.2
Performance enhancements and bugs fixed to bring you a better banking experience.
New in Timo 2.7
What's New!

- Send money with Vietnamese diacritics and emoji to Timo friends.

- React to transactions from Timo friends simple as to Facebook post.

- Check transaction history with anyone in just 5 seconds.

- Request specific payment? Generate dynamic QR code with pre-defined amounts and descriptions.

- Plan for big purchase? Enjoy faster money transfer with a higher limit of up to 500 million VND/transaction.

We hope you enjoy these new features.

Stay safe, Stay connected!
New in Timo 2.6
What's New!

Here’s what you can do with this new version:

- Timo Pay with Link – which you can send a payment link to anyone to claim money directly into their bank account

- Quickly link e-wallets at the first-time login

- Improve the eKYC registration to create eTimo account

- Update VietQR code in your Bank details

We hope you enjoy these new features in Timo Digital Bank app.

Stay safe, Stay connected!
New in Timo 2.5
Here’s what you can do with this new version:
- Donate for Covid-19 vaccines fund easily & no worries.
- Make transfers faster than ever with VietQR code.
- New VinaCapital open-ended fund – VESAF is there for you to potentially get higher investment returns.
- With Timo Star Club, invite more friends – higher level – bigger reward.
- Accept your e-ID card for onboarding and introduce new login screen.
We hope you enjoy these new features in Timo App. Stay tuned for more!
New in Timo 2.3.1
Timo credit card installments are back. Convert a wide range of eligible transactions into Installments in just a few steps right in the app.
Check your credit card statement summary and expenses overview every month.
Reset your credit card PIN easily in app.
Many more utility bill suppliers updated in the Bill Pay feature.
Personalize your referral code so it’s easier to invite your friends to join Timo.
Find existing Timo account holders from your phone book and add them as a new Timo Payee.
New in Timo 2.3
Timo credit card installments are back. Convert a wide range of eligible transactions into Installments in just a few steps right in the app.
Check your credit card statement summary and expenses overview every month.
Reset your credit card PIN easily in app.
Many more utility bill suppliers updated in the Bill Pay feature.
Personalize your referral code so it’s easier to invite your friends to join Timo.
Find existing Timo account holders from your phone book and add them as a new Timo Payee.
New in Timo 2.1.1
Performance enhancements and bugs fixed to bring you a better banking experience.
New in Timo 2.1
Performance enhancements and bugs fixed to bring you a better banking experience.
New in Timo 2.0
Timo is now bringing more color to your life!
A whole new version of Timo will bring to you the most in simple and convenient banking.

Li xi di! Timo di!
Let Timo help you make this Tet hassle free with a cool & trendy Li Xi feature from the App with pre-designed pockets and messages just for you.
Plus you can send a Li Xi to any phone number in Vietnam, making it easy to share with family and friends.

Happy Year of the Ox!
New in Timo 1.7
Minor bugs fixed and improvement
New in Timo 1.6
Minor bugs fixed and improvement
New in Timo 1.5
Thank you for banking with Timo. Here are some cool features that we bring to you this release:
- A new convenient login screen
- A little refresh on your dashboard to help you easily manage all your payment requests and bills
- Hide Balance function on your home screen to maintain privacy in social situations

Stay tuned for upcoming products & features!
New in Timo 1.4
Thank you for banking with Timo Plus! Here are some cool features that we bring to you:
- Joining Timo Plus easier in a few minutes
- Verifying your email right in the app
- Activate your debit card and set up your PIN in one go
Stay tuned for upcoming products & features!
New in Timo 1.3
A new digital bank helps you on your journey to financial freedom.
By joining Timo Plus, you will get access to the most innovative financial management and banking platform in the country.
It takes just a few steps in the Timo Plus app to open your account and get a debit card for banking transactions.
Stay tuned for upcoming products & features!
New in Timo 1.2
A new digital bank helps you on your journey to financial freedom.
By joining Timo Plus, you will get access to the most innovative financial management and banking platform in the country.
It takes just a few steps in the Timo Plus app to open your account and get a debit card for banking transactions.
Stay tuned for upcoming products & features!
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