# TNEX - Ngân hàng số thế hệ mới — Ăn uống, mua sắm, thanh toán

> Free digital bank for banking, shopping, bill payment, and financial management. (iPhone/iPad app by Vietnam Maritime Commercial Joint Stock Bank.)

- Source: https://appshunter.io/ios/app/tnex-ngan-hang-so-the-he-moi/id1527220699 (this page in markdown: same URL + `.md`)
- Developer: [Vietnam Maritime Commercial Joint Stock Bank](https://appshunter.io/developer/1448568155)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.30/5 from 102 App Store ratings · 18 written reviews indexed
- Age rating: 17+
- Requires: iOS 14.0 · 304 MB
- Languages: American English
- Released: 2021-04-12
- Data updated: 2026-06-10
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/tnex-ngan-hang-so-the-he-moi/id1527220699/reviews.md

## What is TNEX?

TNEX universe: Banking services, shopping, bill payment, spending management

About TNEX - Pure digital bank sponsored by Vietnam Maritime Commercial Joint Stock Bank MSB
TNEX DIGITAL BANKING IS FREE!
- Register for a TNEX account online in just a few minutes.
- Guaranteed NO hidden costs: no account maintenance fees, no minimum balance required.
- Super cool debit card delivered to you, no need to go to the bank.
- Provide prepaid spending account for customers immediately after successful registration.
- Consumer loans - Flexible financial solutions, meeting all urgent needs: Easy registration, 100% automatic approval online. Super fast disbursement in 2 minutes. Attractive limit up to 25 million VND. Loan period from 03 months to 12 months.
Loan estimate results are based on an interest rate of 27.1%/year. Information is for reference only, depending on the approved product.
For example: With a consumer loan of 25 million VND, loan term is 12 months, interest rate is 27.1%/year. With monthly principal and interest payment methods, the monthly payment amount is 2,401,655 VND. Thus, the total amount to be paid including principal and interest at the end of the period is 28,819,860 VND
WITHDRAWING MONEY AND TRANSFERS WITHOUT WORRY!
- Free transfer, including interbank transfer.
- Deposit money online easily through all banks.
- Withdraw money from 17,000 ATM systems anywhere.
COMPACT AMENITIES - SPONSORED FOR CHOICES!
- Shop freely with a series of great deals.
- Helps you manage personal finances simply.
- Chat pay with extremely slay friends.
- Connect 10,000++ job and internship opportunities with the CareerHub ecosystem
For further information, please contact:
Website: https://tnex.com.vn
Email: cskhcn@tnex.com.vn
Address: KT Floor, Thang Long Tower, 98A Nguy Nhu Kon Tum Street, Thanh Xuan Ward, Hanoi City.

## Key features

- Free digital banking
- Online account registration
- Debit card delivery
- Consumer loans
- Free money transfers
- Online deposits
- Spending management

## Recent user reviews (10 of 18)

All indexed reviews: https://appshunter.io/ios/app/tnex-ngan-hang-so-the-he-moi/id1527220699/reviews.md

### 5/5 — Good

*2025-11-05*

Good

### 1/5 — bị phiền

*2025-08-18*

dùng app thì ổn nhưng bị 1 cái lúc vay thì ksao nhưng lúc sắp trả hạn chưa tới ngày còn tận 5 ngày mà bên app cứ gọi nhắc, phiền quá sát ngày gọi nhắc 1 lần là ngta nhớ r nhắc mà nhắc liên tục

**Developer response:** TNEX rất xin lỗi vì sự bất tiện này. Để TNEX có thể hỗ trợ tốt nhất trường hợp Quý khách gặp phải, Quý khách vui lòng gửi yêu cầu chi tiết đến email cskhcn@tnex.com.vn hoặc liên hệ hotline miễn phí 1800 599 982. Cảm ơn Quý khách!

### 5/5 — Ghi

*2025-07-09*

Ok

### 1/5 — App tệ

*2025-06-14*

Không vay được cũng không hỗ trợ đóng app onl đc

**Developer response:** TNEX rất xin lỗi vì sự bất tiện này. Để TNEX có thể hỗ trợ tốt nhất trường hợp Quý khách gặp phải, Quý khách vui lòng gửi yêu cầu chi tiết đến email cskhcn@tnex.com.vn hoặc liên hệ hotline miễn phí 1800 599 982. Cảm ơn Quý khách!

### 5/5 — chất lượng và dịch vụ điểm 10

*2025-04-14*

ok

**Developer response:** TNEX cảm ơn Quý khách đã tin tưởng và sử dụng ứng dụng TNEX. Hy vọng Quý khách tiếp tục đồng hành cùng sự phát triển của TNEX!

### 1/5 — Hạn mức quá thấp

*2024-08-28*

Ngân hàng nào cũng như nhau, nếu đã là ngân hàng thì cho phép nâng hạn mức khi KYC, Xác minh sinh trắc học các thứ rồi, vẫn không nâng được hạn mức, giờ kẹt 1 mớ tiền trong khi đó rất nhiều việc cần dùng đến tiền
1 sao là còn quá cao đối với cái app ngân hàng này

**Developer response:** TNEX cảm ơn Quý khách đã quan tâm và góp ý cho sản phẩm dịch vụ của TNEX. TNEX xin ghi nhận những ý kiến và đóng góp của Quý khách, và sẽ là cơ sở để TNEX cải thiện, nâng cao chất lượng dịch vụ, đem lại trải nghiệm tốt nhất tới người dùng. Hy vọng Quý khách tiếp tục đồng hành cùng TNEX trong thời gian tới.

### 1/5 — chất lượng như l

*2024-05-03*

lũ chó chết này chỉ đc 1 sao thôi

### 5/5 — App tốt

*2023-11-11*

Okokk

### 5/5 — Ứng dụng tốt, uy tín

*2023-11-04*

Giao diện xinh, dễ dùng. Nhiều tính năng hay lắm

### 5/5 — 👍👍👍

*2023-11-04*

App đẹp, dễ sử dụng còn có quay trúng thưởng. Miễn chê!!!

## Frequently asked questions about TNEX

### What is TNEX?

TNEX is a free digital bank sponsored by MSB. It offers a comprehensive suite of services including banking, shopping, bill payment, and spending management. You can register for an account online in minutes and receive a debit card without visiting a physical branch.

### What are the key features of TNEX?

Key features include free account maintenance with no hidden costs, free interbank transfers, online money deposits, and ATM withdrawals. The app also provides consumer loans with fast disbursement, shopping deals, personal finance management tools, and access to job opportunities.

### Is TNEX free to use?

Yes, TNEX is a free digital bank. There are no account maintenance fees or minimum balance requirements. Transfers are also free, including interbank transfers.

### What kind of loans does TNEX offer?

TNEX offers consumer loans with flexible financial solutions. Registration is easy and approval is automatic online, with super fast disbursement in as little as 2 minutes. Loans can have limits up to 25 million VND and loan periods from 3 to 12 months.

### How can I manage my spending with TNEX?

The app helps you manage personal finances simply. You can track your spending, utilize features like 'Chat pay' with friends, and take advantage of various shopping deals available through the platform.

## Version history (last 5 releases)

### 6.12.2 — 2025-12-12

- Improve security

### 6.12.1 — 2025-12-12

Create an account quickly with VNeID verification
Optimize the registration flow and reduce steps for new customers
Receive money on TNEX easily using just a phone number — no need to remember your account number

### 6.11.1 — 2025-12-01

- Cải thiện tốc độ tháng 11

### 6.10.4 — 2025-10-31

- Upgrade group fund

### 6.10.3 — 2025-10-23

- Improve application performance

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## More apps by Vietnam Maritime Commercial Joint Stock Bank

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All apps by Vietnam Maritime Commercial Joint Stock Bank: https://appshunter.io/developer/1448568155

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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 2026-06-10.*