Top 11 Safe and Best E-Wallets in Vietnam Today

Viettel Money is an e-wallet service provided by Viettel, Vietnam's leading telecommunications company. It was launched to offer users a convenient, secure, and fast way to make payments via mobile phones.

With Viettel Money, users can easily perform online financial transactions. After completing the account registration process, users can add funds through various methods such as bank transfers, phone recharge cards, or at Viettel service points. Once the account balance is available, customers can pay for services, purchase tickets, pay bills, transfer money, withdraw cash at Viettel service points, and more. This e-wallet also enables quick and secure money transfers.

One of the standout features of Viettel Money is its integration with Viettel’s wide range of services, allowing users to top up their phone, buy data, pay for mobile plans, and access other services directly through the app. Moreover, users can trust the app’s high level of security and enjoy round-the-clock customer support to resolve any issues related to the e-wallet.

Download Viettel Money app:

• iOS: https://apps.apple.com/vn/app/viettel-money/id1344204781?l=vi
  
• Android: https://play.google.com/store/apps/details?id=com.bplus.vtpay&hl=vi

Moca officially launched in February 2016 and is considered a modern payment solution that replaces traditional cash transactions, which often come with risks and limitations in Vietnam's mobile finance sector.

Currently, Moca partners with 8 banks and has around 4,000 payment acceptance points, mostly in sectors such as retail, transportation, education, restaurants, and fashion. By linking this e-wallet with your bank card, you only need to input your card details once. The information is encrypted using Tokenization technology, ensuring that no one except you and the issuing bank can access your card data.

Moca also powers cashless payments for services on the Grab app through its electronic payment platform. With GrabPay by Moca, users can enjoy seamless payments for a variety of services, with additional promotions and exciting offers.

Download Moca app:

• iOS: https://apps.apple.com/vn/app/moca/id965112152
• Android: https://play.google.com/store/apps/details?id=vn.moca.pass&hl=vi

VNPay is a revolutionary e-wallet that has gained widespread recognition for offering numerous benefits and an exceptional user experience. The wallet connects with various banks, including Agribank, Vietcombank, VPBank, VietinBank, BIDV, Sacombank, Techcombank, and others, providing users with greater flexibility and convenience during payment transactions.

VNPay prioritizes user security by employing advanced security technologies and adhering to international standards. Additionally, the wallet holds a global PCI DSS security certification and utilizes Blockchain technology according to international norms. Every payment transaction requires authentication through a password, fingerprint, Face ID, or soft OTP, ensuring the highest level of protection. All customer transaction data is encrypted and securely protected from the moment the transaction is initiated, ensuring total safety.

Download VNPay app:

• iOS: https://apps.apple.com/vn/app/ví-vnpay-ví-của-gia-đình/id1470378562
• Android: https://play.google.com/store/apps/details?id=vnpay.smartacccount&hl=vi

Payoo is a digital wallet that functions like a virtual wallet in the online world, allowing users to make purchases, sell items, and conduct transactions on e-commerce sites and online communities offering payment services.

With nearly 15 years of growth, Payoo now has over 25,000 payment points across the country and supports payment for over 1,000 types of bills. Key services include transferring money between banks, paying utility bills like electricity and water, making direct payments at supermarkets and convenience stores, purchasing game cards, and buying phone recharge cards, all while enjoying various discounts and offers.

Payoo partners with multiple banks, enabling users to deposit funds into or withdraw money from their wallet to a bank account through Internet Banking or other transaction channels. Today, Payoo is one of the most widely used e-wallets in Vietnam, popular among users for convenient payment and money transfer services.

Download Payoo app:

• iOS: https://itunes.apple.com/vn/app/payoo/id977004309
• Android: https://play.google.com/store/apps/details?id=vn.payoo

VTC Pay is a digital wallet and online payment gateway in Vietnam, established by the Multimedia Communication Group (VTC) in 2007. This app offers online payment and money transfer services through both mobile apps and its website.

With VTC Pay, users can perform a variety of transactions, such as paying bills, buying movie tickets, shopping online, topping up mobile phones, sending money, and more. It also supports purchasing game cards like Vcoin, Zing, Gate FPT, and Facebook cards, offering significant discounts. This e-wallet is especially popular among gamers who frequently use and trust it for their digital transactions.

Currently, VTC Pay is licensed and regulated by the State Bank of Vietnam. It is also connected to 33 domestic banks and 3 international card organizations, ensuring full compliance with legal regulations. This allows users to easily and securely deposit, transfer, and withdraw funds.

Download VTC Pay app:

• Android: https://play.google.com/store/apps/details?id=com.vtc.paygate.main
• iOS: https://itunes.apple.com/vn/app/vtc-365/id404108605

Vi Viet is a digital banking platform created by LienVietPostBank, based on the non-physical Vi Viet card authorized by the State Bank of Vietnam. It serves as a cashless payment solution, an online payment gateway, and a 24/7 digital banking service.

Vi Viet is widely used for conducting online transactions via the internet, mobile phones, and other electronic devices. The app also allows users to perform functions like sending and receiving money, transferring funds, making online payments, and paying for goods and services using their mobile devices and the internet.

Download Vi Viet app:

• iOS: https://itunes.apple.com/us/app/vi-viet/id1055088382
• Android: https://play.google.com/store/apps/details?id=com.product.ViViet

Vimo is one of the leading e-wallets in Vietnam and an official member of the Vietnam Banks Association (VNBA), licensed by the State Bank of Vietnam. With its advanced mobile wallet features, Vimo offers users a variety of benefits.

In addition, many large retail stores and shopping malls use Vimo’s comprehensive cashless payment services, including domestic and international QR Pay, credit card installment payments, and Cashback services. Currently, Vimo has representative offices in five major cities across the country, processing transaction volumes estimated in the hundreds of billions of dong per month.

Download Vimo app:

• iOS: apps.apple.com/vn/app/vimo-ví-điện-tử-chuyển-tiền/id944575204?l=vi
• Android: https://play.google.com/store/apps/details?id=vn.vimo&hl=v

TrueMoney is Southeast Asia's leading e-wallet, with 60 million users across 7 countries, including Vietnam, Thailand, Malaysia, Indonesia, Myanmar, the Philippines, and Cambodia. It allows users to conduct secure transactions on mobile devices anytime, anywhere. You can easily deposit, withdraw, transfer funds, pay bills, and shop online through a single app.

With TrueMoney, users can top up their wallet via banks, partner stores, or other e-wallets. The wallet balance can be used for bill payments, online shopping, mobile top-ups, and more. The app also offers financial management tools to help users check balances, view transaction histories, and manage their accounts with ease.

Download the TrueMoney app:

• iOS: https://itunes.apple.com/vn/app/v%C3%AD-truemoney/id1345776130?mt=8
• Android: https://play.google.com/store/apps/details?id=th.co.truemoney.wallet&hl=en_US

MoMo is a mobile e-wallet that allows users to easily top up, transfer money, and make fast transactions using their smartphones. Launched by M-Service in 2007, the app officially debuted on June 2, 2014, and has gained 13 million active users (according to MoMo statistics).

MoMo is a strategic partner with several major banks in Vietnam, including Vietcombank, VietinBank, Agribank, BIDV, ACB, TPBank, VPBank, EximBank, OCB, VIB, Shinhan Bank, and SCB. This collaboration allows MoMo to offer world-class products and services, including bill payments, money transfers, mobile phone top-ups, game card reloads, and more. It provides an easy and convenient way to handle everyday expenses such as electricity bills, water bills, and phone credits.

In addition, MoMo frequently runs promotions and offers such as free phone cards, discounts on food, service payments, and exclusive gifts for users.

Download the MoMo app:

• iOS: https://app.appsflyer.com/id918751511?pid=landingpage&c=GTBB
• Android: https://app.appsflyer.com/com.mservice.momotransfer?pid=Landingpage&c=GTBB

ZaloPay is a popular mobile payment app, known for its unique features, and is one of the most preferred e-wallets in Vietnam. It has gained a lot of attention from users, businesses, and especially start-ups, who rely on this app for their online transactions. Developed by VNG Corporation, ZaloPay is a 'made in Vietnam' product, offering high security, versatility, and user-friendly experience.

Key features include transferring and receiving money within 2 seconds, mobile phone and game top-ups, and sending gifts. A ZaloPay account can be linked to many major banks in Vietnam such as Vietcombank, ViettinBank, BIDV, SacomBank, and EximBank. ZaloPay also offers numerous promotions and gift programs to its users.

Download ZaloPay:

• iOS: https://itunes.apple.com/us/app/zalo-pay-thanh-toan-trong/id1112407590?mt=8
• Android: https://play.google.com/store/apps/details?id=vn.com.vng.zalopay

ShopeePay is a mobile payment wallet provided by Shopee, a leading e-commerce platform in Vietnam. With this app, users can make secure and convenient online payments. ShopeePay isn't just limited to purchases on Shopee but also allows bill payments, phone top-ups, money transfers, and other services.

It offers users the convenience of making quick and easy transactions. By using ShopeePay, users can earn vouchers, discounts, and participate in exciting promotions while shopping on Shopee. With advanced security measures in place, ShopeePay ensures the safety of user data and transactions.

The simple, user-friendly interface makes managing accounts and performing transactions easy. The dedicated customer support team is always ready to assist with any issues related to using the e-wallet. With ShopeePay, users can enjoy convenient, secure online payments while benefiting from exclusive deals and offers when shopping and using services on Shopee.

Download ShopeePay:

• iOS: https://apps.apple.com/vn/app/v%C3%AD-shopeepay/id1032301823?l=vi
• Android: https://play.google.com/store/apps/details?id=com.beeasy.toppay&hl=vi