One of Vietnam’s mainstream e-wallets, embedded in the national messaging app Zalo, covering transfers, top-ups, bills, ride-hailing and online shopping. Extremely popular with younger Vietnamese.
!Not a bank. ZaloPay operates as an e-wallet licensed by the State Bank of Vietnam (intermediary payment service); balances are not deposits; wallet balances are e-money / stored value, NOT deposits, and are outside deposit-insurance protection. Funds are safeguarded in segregated / trust accounts under the applicable rules, not covered by any deposit guarantee scheme.
Yes. Foreigners can register with a Vietnamese mobile number and verify with a passport, though some features and higher limits require the local ID card (CCCD). Short-stay visitors can open a basic wallet with restricted limits.
No mandatory minimum; an initial top-up of VND 50,000–200,000 is typical｜In-wallet transfers and spending are usually free; withdrawals to a bank account and some interbank transfers are charged per in-app notices.
Limits scale with verification tier; passport-verified accounts have lower balance and monthly caps than CCCD holders, per State Bank of Vietnam wallet rules. Check the app. Balances are not deposits and are not deposit-insured.
Yes. Foreigners can register with a Vietnamese mobile number and verify with a passport, though some features and higher limits require the local ID card (CCCD). Short-stay visitors can open a basic wallet with restricted limits.
Local bank account: Not required — you can link a Vietnamese card or top up with cash offline. Items typically needed: A Vietnamese mobile number; Passport; Vietnamese CCCD ID card for higher limits (optional); A Vietnamese bank card for top-up/withdrawal (optional).
Typically: A Vietnamese mobile number; Passport; Vietnamese CCCD ID card for higher limits (optional); A Vietnamese bank card for top-up/withdrawal (optional).
How to sign up: Fully online — register with a Vietnamese number and verify your passport (About 10–20 minutes; passport review takes from a few hours to one working day). Steps: 1) Download ZaloPay (or open the wallet inside Zalo) 2) Register with your Vietnamese number and confirm the SMS code 3) Upload your passport for verification 4) Link a Vietnamese card or top up with cash at partner outlets 5) You can then transfer, pay by QR and settle bills Fees: In-wallet transfers and spending are usually free; withdrawals to a bank account and some interbank transfers are charged per in-app notices.
Limits scale with verification tier; passport-verified accounts have lower balance and monthly caps than CCCD holders, per State Bank of Vietnam wallet rules. Check the app. Balances are not deposits and are not deposit-insured.
E-wallet rules change often — always follow the latest instructions in the official app.