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Timo Digital Bank by BVBank

Finally, a bank that doesn't nickel and dime you. Users gain effortless control over their money, free from hidden fees and cumbersome processes.

Key Figures

Downloads

1M+

User Rating

4.3/5

Total Ratings

13.0K

Publisher

Viet Capital Commercial Joint Stock Bank

An analysis of Timo Digital Bank's key features, highlighting its value proposition for tech-savvy and financially conscious individuals in Vietnam.

Timo Digital Bank: Core Offerings & Strategic Advantages

Smart Online Savings & Investments

The app offers intelligent savings tools like Goal Save for short-term targets with automatic accruals and Term Deposits with competitive rates. It also provides accessible investment opportunities through partners such as VinaCapital.

Comprehensive Personal Finance Management

This tool provides essential insights for understanding personal finances, including cashflow overviews, categorized spending, asset tracking, and credit card reports.

Free and Fast Interbank Transfers

The app enables 24/7 instant transfers to all banks in Vietnam, supporting transactions up to 1 billion VND per day without any fees.

Advanced Debit Card Control

It allows free withdrawals at over 17,000 Napas ATMs, convenient cash top-ups at CRMs, cardless withdrawals via VietQR, and in-app control for activation, locking/unlocking, and reissuing cards.

Money Pot for Income Allocation

This tool helps users effectively manage and allocate their income into different 'Money Pots' corresponding to specific uses, fostering better financial organization.

Flexible Credit Solutions

The app provides access to a Timo Visa credit card with no issuance or annual fees, an overdraft facility for additional funds, and installment loan packages through partners.

Seamless E-Wallet Integration

The app connects effortlessly with popular e-wallets like Momo and ZaloPay, allowing for streamlined fund management across various platforms.

VNPAY-QR Code Payments

It enables secure, fast, and convenient cashless payments by scanning VNPAY-QR codes at a wide array of acceptance points.

Comprehensive Utility Bill Payments

The app provides convenient payment options for essential utilities, including electricity, water, internet, and mobile phone top-ups.

Enhanced Transfer Experience

This tool features advanced transfer options, such as personalized transaction notifications with reactions, emoji support in messages, and quick transfers via unique TimoPay links or QR codes.

FAQ

Frequently Asked Questions

Everything you need to know about Timo Digital Bank by BVBank

What is Timo Digital Bank?

Timo Digital Bank by BVBank offers smart spending and investment management with free transfers, withdrawals, and various financial tools, including cards, savings, and personal financial management features.

Does Timo Digital Bank charge fees for transfers or withdrawals?

No, Timo Digital Bank provides free 24/7 fast transfers to all banks in Vietnam. It also offers free withdrawals at over 17,000 Napas ATMs.

Can I connect Timo Digital Bank with popular e-wallets?

Yes, Timo Digital Bank connects with popular e-wallets such as Momo, ZaloPay, and ShopeePay. This integration is accessible directly within the app's interface.

How does the Timo Money Pot feature work?

The Timo Money Pot feature helps users break down incomes and manage finances effectively. It allows allocation of funds to different pots corresponding to specific uses, visible in the app.

Can I manage my budget using Timo Digital Bank?

Yes, Timo Digital Bank allows users to manage their budget by setting spending limits for various categories. It also provides a Category Report feature to track and analyze expenses.

Does Timo Digital Bank offer a virtual Visa Debit card?

Yes, Timo Digital Bank provides an instantly accessible virtual Visa Debit card within the app. Users can manage its status and usage, including activating or locking, directly from their device.

Is the Timo Visa credit card free of annual fees?

Yes, the Timo Visa credit card is free of issuance fees and annual fees for life. It also offers users up to 55 days with absolutely 0% interest charged.

Can multiple users access a Timo Money Pot for shared financial management?

Yes, Timo Digital Bank supports family financial management. It allows multiple users to jointly access and contribute to a single Money Pot, as demonstrated by the app's reporting interface.

What is the daily transfer limit with Timo Digital Bank?

Timo Digital Bank allows a money transfer limit of up to 1 billion VND per day. This applies to 24/7 fast transfers made to any bank in Vietnam.

Can I open an online savings account with Timo Digital Bank?

Yes, Timo Digital Bank offers smart online saving features. These include Goal Save for short-term financial goals and Term Deposits with competitive interest rates and flexible terms.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Description

Smart spending and investment management with Timo Digital Bank by BVBank – free of all fees. Free withdrawals and transfers with Timo. Timo - The best bank for 4 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 1 billion VND/day with exciting feature experiences such as: − Send notifications of receipt of money by heart, laugh or outrage for transactions with friends using Timo. − Send money transfer messages in Vietnamese and Emoji. − Easily view Transaction list with each Payee. − TimoPay with link: Allows you to fast transfer money by sharing a link to anyone in 3 seconds without knowing their bank account numbers. − QR Code: receive payments or deposits quickly without sharing your account information. • Upgrade your online account package with Video call KYC to unlock international payments and increase money transfer limit up to 1 billion VND/day. • Connect with popular e-wallets: Momo, ZaloPay... • Pay by scanning VNPAY-QR code without cash safely - quickly - conveniently at payment acceptance points. • Payment of utilities: bills (electricity, water, Internet, postpaid mobile phones...), phone top-ups... • Experience international online payment with Timo Debit Visa virtual card. • Help you easily access capital with: − Timo Visa credit card: free of issuance fee and annual fee for life. − Overdraft is a convenient financial tool that provides access to additional funds when your Spend Account balance hits zero. − Installment loan package with partners of Timo. • Smart online saving: − 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. • Personal Financial Management – where all the quintessential tools to understand your finace reside: − Cashflow Overview. − Cashflow by Category. − Asset Tracker. − Credit Card Report. − Cashflow by Payment Type & Payee. As soon as you receive your TIMO debit card, YOU CAN INCREASE MORE BENEFITS: • Free withdrawals at more than 17,000 ATMs of Napas and POS payments at all cardaccepting units nationwide. • Quickly top up cash at the CRM (Cash Recycling Machine) system. • Withdraw cash without a card using VietQR code at supported ATMs. • 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… 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: • Saigon: 258 Nam Ky Khoi Nghia, Vo Thi Sau Ward, District 3, Ho Chi Minh City. • Hanoi: 318 Hue Street, Pho Hue Ward, Hai Ba Trung District. • Da Nang: 23 Nguyen Van Linh, Binh Hien Ward, Hai Chau District. • Can Tho: 79A Tran Phu, Cai Khe Ward, Ninh Kieu District, Can Tho.