Best Xalo Pay Apps

249+ iOS apps curated and reviewed

4.1 avg rating
20 free apps
Updated August 2026

The best xalo pay apps on iPhone average 4.1★ across 249+ titles — we've ranked them by what real users actually keep on their phones. Updated August 2026.

Compare top Xalo Pay Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1ZaloPay MerchantZaloPay MerchantFree1.8★ (12)NoNoAug 2026
2ZaloZaloFree2.1★ (8.3K)YesYesAug 2026
3MoMo-Trợ Thủ Tài Chính với AIMoMo-Trợ Thủ Tài Chính với AIFree4.2★ (4.1K)YesNoAug 2026
4MB BankMB BankFree4.7★ (25K)NoNoAug 2026
5VNPAY AppVNPAY AppFree4.4★ (658)NoNoAug 2026
6MessengerMessengerFree4.7★ (13M)YesYesAug 2026
7VNeIDVNeIDFree2.4★ (1K)NoNoAug 2026
8VietinBank iPayVietinBank iPayFree4.6★ (1.6K)NoNoAug 2026

Top Picks for Xalo Pay

Zalo#2

Zalo by Zalo Group

Fast. Stable. Private.
Strong Contender
🌐 Social Networking
2.1😞(8.3K ratings)
FreeAdsIn-App Purchases
Zalo screenshot 1
Zalo screenshot 2
Zalo screenshot 3
Zalo screenshot 4
Zalo screenshot 5
Zalo screenshot 6

This messaging app offers fast and private communication with friends. Send text, voice, and group messages, share your location, and discover new people nearby. It also allows for in-app games and expressive emoticons.

What We Love

  • 👍 Convenient messaging
  • 🚀 Good call quality
  • 💡 Customizable features

Room to Improve

  • 🐛 Frequent crashes
  • 🔒 Privacy and security concerns
  • 🔋 High data and battery usage
MoMo-Trợ Thủ Tài Chính với AI#3
4.2😞(4.1K ratings)
FreeAds
MoMo-Trợ Thủ Tài Chính với AI screenshot 1
MoMo-Trợ Thủ Tài Chính với AI screenshot 2
MoMo-Trợ Thủ Tài Chính với AI screenshot 3
MoMo-Trợ Thủ Tài Chính với AI screenshot 4
MoMo-Trợ Thủ Tài Chính với AI screenshot 5
MoMo-Trợ Thủ Tài Chính với AI screenshot 6

This app acts as a financial assistant, offering convenient payments for bills and online services. It also provides diverse financial tools like expense tracking, flexible savings, quick loans, and simple investments, all secured with advanced AI technology.

What We Love

  • 🚀 Fast and reliable
  • 👍 Convenient and user-friendly
  • 💡 Innovative features like Túi Thần Tài

Room to Improve

  • 🐛 Frequent crashes and lags
  • 🤖 Poor customer support
  • 💸 Deducts money without permission

More Xalo Pay apps to explore

4
MB Bank
MB Bank
MB Bank
Fast register - cool number
Free

This digital banking app offers a comprehensive suite of financial management tools. Easily manage accounts, transfer money, pay bills, and explore savings and loan options. Enjoy a secure and user-friendly experience with 24/7 support.

Smart account and asset managementFast money transfers (domestic & international)Bill payments
💰 Finance
(25K)
free
5
VNPAY App
VNPAY App
VNPAY App
Simplify your life
Free

This app is a comprehensive payment and shopping platform integrating transportation, entertainment, and retail. It offers multiple secure payment options and a wide range of services for daily life, including shopping, booking travel, and purchasing entertainment tickets.

Multiple secure payment methodsQR code scanningOnline shopping on VnShop
💰 Finance
(658)
free
6
Messenger
Messenger
Messenger
Text, audio and video calls
Free

Connect with friends and family through text, audio, and video calls. Share photos, videos, and large files, and express yourself with custom themes and animated content. Features an AI assistant for help and support.

Text, audio, and video callsHigh-definition photo sharingShared photo albums
🌐 Social Networking
(13M)
free with in-app purchases
7
VNeID
VNeID
VNeID
by Trung tâm dữ liệu quốc gia về dân cư
Free

This national identification application serves as a digital replacement for traditional documents. It provides digital identity for citizens and offers various utilities for a digital government and society.

Digital identificationReplaces traditional documentsCitizen services
📊 Productivity
(1K)
free
8
VietinBank iPay
VietinBank iPay
VietinBank iPay
Embrace the digital life
Free

This universal digital banking app allows individuals to manage accounts, cards, savings, and loans online. It offers advanced security features like eKYC and FacePay, along with convenient payment solutions and loyalty rewards. Enjoy a wide range of services and partner offers with no maintenance or transfer fees.

Electronic identification (eKYC)FacePay biometric authenticationOnline account management
💰 Finance
(1.6K)
free
9
Viettel Money
Viettel Money
Viettel Money
by Viettel Telecom
Free

A comprehensive digital financial ecosystem for payments, money transfers, and financial services. Easily create an account with your phone number and manage all your financial needs in one application. Enjoy secure transactions, bill payments, savings, and quick loans.

QR code paymentsBill payments (electricity, water, phone)Money transfers (phone number, interbank)
💰 Finance
(5.8K)
free
10
VCB Digibank
VCB Digibank
VCB Digibank
by Joint Stock Commercial Bank for Foreign Trade of Vietnam
Free

This digital banking app allows millions of users to manage their finances with ease. It offers fee-free transactions, personalized interfaces, and a wide range of financial services including payments, savings, and investments.

Online registrationFee-free transactionsAccount number matching phone number
💰 Finance
(896)
free
11
Locket Widget
Locket Widget
Locket Widget
Best friends first
Free

Share live photos with your closest friends directly on your Home Screen. See real-time updates from your best friends every time you unlock your phone. React to their photos and build a shared history of memories.

Live photo widget for Home ScreenReal-time photo sharing with friendsSend photos by tapping the widget
🌐 Social Networking
(551K)
free with in-app purchases
12
BIDV SmartBanking
BIDV SmartBanking
BIDV SmartBanking
by BIDV
Free

This digital banking app offers a personalized and seamless experience with an AI assistant for product recommendations and 24/7 chatbot support. It features automated investing, smart financial management tools, and a wide range of integrated lifestyle services, all secured with advanced authentication.

AI assistant for personalized recommendations24/7 chatbot supportAutomated investing for idle cash
💰 Finance
(679)
free
13
Green SM: Electric Mobility
Green SM: Electric Mobility
Green SM: Electric Mobility
Ride hailing, premium EV rides
Free

This app offers eco-friendly ride-hailing, food ordering, and parcel delivery services using 100% electric vehicles. It provides a convenient and sustainable mobility experience with various service options and flexible payment methods.

All-electric ride-hailingFood ordering and deliveryParcel delivery services
✈️ Travel
(23K)
free with in-app purchases
14
Grab: Taxi Ride, Food Delivery
Grab: Taxi Ride, Food Delivery
Grab: Taxi Ride, Food Delivery
Car Hailing & Grocery Order
Free

This app provides a comprehensive suite of services across Southeast Asia, including ride-hailing, food and grocery delivery, and package delivery. It aims to be a one-stop solution for everyday needs, offering convenient booking and cashless payment options.

Ride-hailing and taxi bookingFood delivery from restaurantsGrocery delivery from supermarkets
✈️ Travel
(252K)
free with in-app purchases
15
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop Now & Pay Over Time
Free

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
🛍️ Shopping
(853K)
free with in-app purchases
16
My Viettel: Tích điểm, Đổi quà
My Viettel: Tích điểm, Đổi quà
My Viettel: Tích điểm, Đổi quà
Thanh toán cước, Mua data
Free

Manage your mobile account, pay bills, and register for new plans. Enjoy exclusive rewards, shop online, and access a vast entertainment library. Get free 4G data when using the app.

Account management and plan registrationBill payment and top-upLoyalty points accumulation and redemption
💼 Business
(5.8K)
free with in-app purchases
17
Google Maps
Google Maps
Google Maps
Places, navigation & traffic
Free

Navigate your world with real-time traffic, turn-by-turn directions for driving, walking, cycling, and public transport. Discover millions of businesses and places with photos and reviews. Plan trips with Street View, Immersive View, and offline maps.

Real-time GPS navigationLive traffic dataPublic transport updates
🗺️ Navigation
(7.3M)
free with in-app purchases
18
Agribank Plus
Agribank Plus
Agribank Plus
by VNPAY
Free

This smart digital banking app offers a modern, user-friendly interface for managing all your personal finances. It simplifies payments, shopping, and entertainment with a wide range of convenient features, accessible anytime, anywhere.

Fast, free, 24/7 money transfersOnline savings accountsBill payments (utilities, tuition, etc.)
💰 Finance
(427)
free
19
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Debit card, savings, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
💰 Finance
(6.3M)
free with in-app purchases
20
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

Access your PayCard and on-demand earnings instantly. Manage your accounts, transfer funds, deposit checks remotely, and pay bills. Earn cash back rewards and find nearby ATMs.

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts
💰 Finance
(189K)
free

FAQ about Xalo Pay

What are the best xalo pay apps for iPhone?
ZaloPay Merchant tops our xalo pay apps ranking as of August 2026, with a 1.8-star average from 12 App Store ratings, and it's free to download.
Yes — 20 of the top xalo pay apps we rank are free to download, including ZaloPay Merchant and Zalo.
ZaloPay Merchant has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 249+ xalo pay apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
The provided data does not contain specific details about the security protocols used by ZaloPay Merchant. However, as a financial application, it is expected to adhere to industry-standard security practices for protecting sensitive transaction data.
ZaloPay Merchant allows you to manage various transaction details including total transaction amounts, refunds, discounts, and the status of successful and failed transactions.