# Timo Digital Bank by BVBank — Easy to use, 0 fees

> Digital bank for free spending, transfers, savings, and investments. (iPhone/iPad app by Viet Capital Commercial Joint Stock Bank.)

- Source: https://appshunter.io/ios/app/timo-digital-bank-by-bvbank/id1521230347 (this page in markdown: same URL + `.md`)
- Developer: [Viet Capital Commercial Joint Stock Bank](https://appshunter.io/developer/783572883)
- Category: Finance, Business
- Price: Free
- Rating: 4.30/5 from 171 App Store ratings · 46 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 303 MB
- Languages: American English, Vietnamese
- Released: 2020-07-05
- Data updated: 2026-08-21
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/timo-digital-bank-by-bvbank/id1521230347/reviews.md

## What is Timo Digital Bank by BVBank?

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

## Key features

- Free 24/7 fast transfers to all banks
- TimoPay with link for easy money sharing
- QR Code payments and deposits
- International online payments with virtual card
- Smart online saving options (Goal Save, Term Deposits)
- Personal Financial Management tools
- Free ATM withdrawals and POS payments

## Recent user reviews (10 of 46)

All indexed reviews: https://appshunter.io/ios/app/timo-digital-bank-by-bvbank/id1521230347/reviews.md

### 2/5 — Ko thể dùng faceid

*2026-04-24*

Kể từ sau ver 26.9 ko thể dùng faceid, tắt jailbreak vẫn ko dùng đc faceid, đề nghị fix

**Developer response:** Chào bạn, Timo rất tiếc về trải nghiệm chưa thuận tiện khi bạn không thể sử dụng Face ID sau khi cập nhật ứng dụng. Timo hiện không ghi nhận vấn đề đăng nhập với FaceID đối với các phiên bản app từ 26.9. Bạn vui lòng thử cập nhật app lên phiên bản mới nhất hoặc khởi động lại thiết bị và thử lại.

Nếu vẫn chưa sử dụng được, bạn vui lòng liên hệ Timo qua tổng đài miễn cước hoặc email care@timo.vn, kèm thông tin thiết bị, phiên bản iOS và ứng dụng để Timo kiểm tra và hỗ trợ.

### 5/5 — chấp nhận số điệm thoại ngoài Việt Nam

*2026-04-20, version 26.11*

là ngân hàng số duy nhất cho phép dùng sdt nuớc ngoài đăng kí bank account cho việt kiều

### 5/5 — Ứng dụng tiện ích

*2026-04-02*

Ok

**Developer response:** Chào bạn, Timo chân thành cảm ơn bạn đã dành thời gian đánh giá. Timo rất vui khi nhận được đánh giá tích cực từ bạn và hiểu rằng những nỗ lực của Timo đã mang đến cho bạn sự hài lòng. Hi vọng bạn sẽ giới thiệu Timo với bạn bè, người thân cùng trải nghiệm nhé!

### 5/5 — Đợi tính năng thanh toán bằng apple pay

*2026-03-27, version 26.8*

Cập nhật apple pay sớm nhe shop ơii dân đi du học nhưng vẫn muốn xài timo ó

### 5/5 — Timo

*2026-03-03, version 26.6*

Fantastic bank to be involved with. Easy to use, safe and reliable and efficient

### 3/5 — Very slow app and sometimes doesn’t open at all.

*2026-02-22*

The bank itself is great. I had no problems with it. But this app is very slow and a few times it wouldn’t even open at all when I had to pay. I hope the developers fix this.

**Developer response:** Thank you for your feedback.

We’re very sorry to hear about the app performance issues you experienced. Timo is continuously working to improve speed and stability to ensure the app works smoothly, especially at critical moments like payments.

If the issue happens again, please make sure you’re using the latest version of the app. You may also share your device model and app version with Timo Care so we can investigate further. Thank you for your feedback—it helps us improve.

### 5/5 — Error account

*2026-01-16*

I can log in to my bank account, and it said I had used money and after that it minus my money, while I can’t use or log in my account

**Developer response:** We’re sorry for the inconvenience this issue has caused. To help us check your account status and transaction details accurately, please contact our Customer Care team as soon as possible via care@timo.vn or 1800 6788. We’re here to support you and will assist you promptly. Thank you for your patience.

### 1/5 — kém

*2025-10-04*

kg bao giờ có thông báo cập nhật app, rất bất tiện khi app thường xuyên cập nhật luôn luôn cập nhật trong tình trạng đột ngột, ở những nơi công cộng sóng mạng kém, rất bực mình

**Developer response:** Chào bạn, Timo rất tiếc về sự bất tiện này. Để đảm bảo tính bảo mật và hiệu suất tốt hơn cho ứng dụng, Timo sẽ cập nhật định kỳ 1 - 2 tuần/lần, ngoài ra sẽ có một vài phiên bản cập nhật quan trọng cần Khách hàng cập nhật ngay khi triển khai nhằm tránh phát sinh rủi ro cũng như đảm bảo trải nghiệm. Bạn có thể bật tính năng cập nhật tự động để thuận tiện trong quá trình sử dụng. Đội ngũ Timo rất mong bạn thông cảm vì sự bất tiện này!

### 1/5 — Cẩn thận mất tiền. Tệ và rất tệ

*2025-07-25*

Khuyến khích mọi người k nên dùng. Đang cần opt gấp thì qua ngày hôm sau mới nhận đc, gọi tổng đài hỗ trợ thì hẹn 3 ngày. Qua cả thần cũng im re. Quên mật khẩu, khôi phục, k nhận đc mail, đội code quá dỏm. K nên xài bank này nha mn. Có ngày mất tiền

**Developer response:** Chào bạn,
Cảm ơn bạn đã góp ý và phản hồi chi tiết. Timo xin lỗi vì những sự cố bạn gặp phải như chậm OTP, lỗi khôi phục mật khẩu và hỗ trợ chưa kịp thời. Chúng tôi đã ghi nhận và đang phối hợp với các bộ phận liên quan để cải thiện dịch vụ.

Nếu bạn vẫn chưa được hỗ trợ, vui lòng liên hệ lại qua Hotline,  Live Chat hoặc Email để Timo kiểm tra và xử lý sớm nhất. Mong bạn thông cảm và tiếp tục đồng hành cùng Timo.

### 1/5 — NFC bị lỗi

*2025-06-07*

Lúc tui đọc NFC mà nó xoay một lúc rồi nó báo lỗi, thử lại mấy lần vẫn thế

**Developer response:** Chúng tôi rất tiếc về sự bất tiện khi không thể quét NFC. Bạn vui lòng thử tháo ốp lưng điện thoại, áp sát CCCD vào thiết bị và bật chế độ máy bay và kết nối wifi, sau đó thử quét lại. Nếu vẫn gặp vấn đề, vui lòng gửi thông tin thiết bị và video quay màn hình qua email care@timo.vn để chúng tôi hỗ trợ kiểm tra thêm. Cảm ơn bạn đã thông cảm!

## Frequently asked questions about Timo Digital Bank by BVBank

### What does Timo Digital Bank do?

Timo Digital Bank offers a comprehensive suite of digital banking services, including fee-free withdrawals and transfers, smart spending and investment management, bill payments, and access to credit facilities. It aims to provide a seamless and rewarding banking experience for users in Vietnam.

### What are the key features of Timo Digital Bank?

Key features include free 24/7 fast transfers to all banks in Vietnam with high limits, TimoPay links for easy money sharing, QR code payments, international online payments via a virtual Visa card, smart saving tools like Goal Save and Term Deposits, and personal financial management tools for cash flow and asset tracking.

### Is Timo Digital Bank free to use?

The app is free to download and use, with many services offered without fees, such as withdrawals and transfers. While the core banking functions are free, there might be in-app purchases or associated costs for specific premium features or services not detailed in the provided description.

### What are the common use cases for Timo Digital Bank?

Common use cases include managing daily expenses, sending money to friends and family, paying bills and topping up mobile phones, making international online purchases, saving for short-term goals, and tracking personal finances. It also facilitates easy access to capital through credit cards and overdraft facilities.

### How secure is Timo Digital Bank?

The app employs a secure method trusted by multiple layers of login authentication and provides instant notifications for all transactions. This multi-layered security approach ensures that user accounts and financial activities are protected against unauthorized access.

## Version history (last 5 releases)

### 26.20 — 2026-08-12

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

### 26.19.1 — 2026-08-04

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

### 26.19 — 2026-07-30

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

### 26.18.1 — 2026-07-27

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

### 26.18 — 2026-07-15

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

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## More apps by Viet Capital Commercial Joint Stock Bank

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All apps by Viet Capital Commercial Joint Stock Bank: https://appshunter.io/developer/783572883

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-21.*