ZaloPay review
A free Vietnamese wallet for instant domestic transfers, QR payments, bills, and top-ups.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
ZaloPay is a Vietnamese digital wallet and payment application from ZION Joint Stock Company. It is designed for consumers and merchants who need wallet transfers, domestic bank and card transfers, QR-code payments, bill payment, mobile-phone top-ups, online shopping, and selected financial services. The service is available on iOS and Android, either through its standalone app or within Zalo chat. Transfers between wallets and to domestic banks and cards are supported 24/7, with instant transfer speed listed for bank, card, and wallet recipients.
Pricing is centered on a free plan with a starting price of 0. The published fee schedule lists free transfers within stated allowances, including a monthly free allowance of 5,000,000 VND. Transfers exceeding that allowance carry a fee of 3,100 VND plus 0.65%. There is no subscription tier described. For payments and account connections, ZaloPay integrates with Zalo, domestic banks, Apple Pay, Visa, Mastercard, and JCB. That combination suits users who want a mobile wallet connected to familiar Vietnamese payment channels rather than a standalone international remittance service.
Its strongest fit is everyday domestic money movement and QR-based payments, with currency conversion and foreign-exchange information available for users handling currency-related decisions. International capability is narrower: the listed international function is QR payments, not a broad set of international transfer methods. Security and compliance signals include ISO 27001, PCI DSS, and two-factor authentication, while support is available by email and phone. Choose ZaloPay for Vietnamese wallet payments, domestic transfers, bills, and top-ups; consider another option if international transfers beyond QR payments are central to your requirements.
ZaloPay pros and cons
- Where it wins
- Instant wallet, bank, and card transfers are available 24/7.
- Supports QR payments, bill payment, and mobile-phone top-ups.
- Connects with Zalo, domestic banks, Apple Pay, and major card networks.
- Where it doesn't
- International payments are limited to QR payments.
- Variable exchange rates may affect currency conversion.
- Fees apply after the 5,000,000 VND monthly free allowance.
ZaloPay fact sheet, pricing and score →
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