Timo

At a glance

• Editor score
  6.1 / 10
• Pricing
  Free plan
• Best for
  Vietnamese users seeking mobile banking and savings goals
• Free plan
  Yes
• Paid from
  Free
• Account scope
  Personal
• Facts checked
  14 Nov 2026

• Where it wins

  • Free account with no annual or maintenance fee and free app transfers
  • Combines domestic transfers, bill pay, term deposits and goal savings
  • Tracks transactions by category and supports cash deposits through BVBank

• Where it doesn't

  • Does not support outward international transfers
  • Published savings rates apply to term deposits, not standard savings accounts
  • Cash deposits are limited to eligible customers using BVBank branches or CRM machines

Our verdict on Timo

Timo Digital Bank by BVBank brings personal banking to a mobile app and website, with a spend account for receiving and transferring money. It is aimed at people in Vietnam who want everyday banking alongside savings goals and basic money-management tools. Domestic transfers are available through NAPAS, QR, and account details, while bill payments and mobile top-ups cover common payment needs. Money Pots, goal savings, transaction history, and category-based cash-flow tracking add ways to organize personal finances. The service also offers debit and credit cards, loans, investment funds, and insurance.

The account has no annual or maintenance fee, and app transfers are free, according to Timo's FAQ. Timo does not publish a conventional subscription pricing page. Its advertised savings rates of 4.75%–6.90% per year are for term deposits and vary by term; they should not be read as a standard savings-account yield. Term deposits sit alongside goal savings and Money Pots, so the app suits users looking to keep routine spending and savings tools in one personal banking service. MoMo and ViettelPay are listed integrations, and the service is available on web, iOS, and Android.

Timo supports receiving eligible foreign-currency transfers, which are converted to Vietnamese dong, but it does not support outward international transfers. Cash deposits are available through BVBank branches and CRM machines for eligible customers. These boundaries matter for anyone who regularly sends money abroad or needs cash deposits without eligibility restrictions. For domestic payments, savings goals, and transaction tracking, Timo brings several practical functions together; people who need international outbound transfers should choose a service that supports them.

Your product? Our editors can test Timo in depth and publish a review, labelled as paid · from $149/mo →

Timo pricing

Timo fact sheet

Timo integrations

Timo lists 2 integrations on its own site.

• MoMo
• ViettelPay

Alternatives to Timo

• SBStarling BankA no-monthly-fee UK bank account with budgeting, payments and savings tools.9.3
• BbunqFlexible European banking with personal and business accounts, cards, and international transfers.9.2
• MonzoA free UK current account with budgeting tools, card controls and paid feature tiers.9.1

See all Timo alternatives →

Featured on iTechGuides

Timo is listed in our Neobank Apps directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

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Last updated 14 Nov 2026 · How we research and update