Source-backed analysis12
Review basis
Research-based review: the AppDuo Editorial Team compiled it from official pages, documentation, app stores, press and user feedback, without hands-on testing. Every claim links to a source with the date it was checked.
12 reference sourcesInformation updated Nov 11, 2026
How we review
TCInvest Review
TCBS's investing app for stocks, bonds, funds and iCopy trade copying
By AppDuo Editorial Team · Updated
- iOS
- Android
- Web
On this page
Decide at a glance
Our verdict
TCInvest suits people who want stocks, bonds and fund certificates in one app, with analysis tools and trade copying built in. The trade-offs are a Google Play score of only 2.6/5 (about 4,650 ratings) against 4.5/5 on the App Store, and a system failure during the November 2021 sell-off that was followed by a censure from Vietnam's securities depository.
Best for: Bond and fund investors: TCBS says it holds over 70% of the bond trading market
Skip it if: People who want a short-term savings product or a spending card: Finhay's comparison says TCBS offers neither
Pros
- One app for stocks, bonds, funds, warrants and derivatives, per its App Store description
- The TCBS homepage states a Zero Fee policy for listed stocks, derivatives, warrants and fund certificates
- Includes iCopy (copying iTrader trades), iWealth Club and TCAnalysis research on over 1,350 listed companies
Cons
- Only 2.6/5 on Google Play from about 4,650 ratings, far below the App Store score
- System failure during a sharp sell-off (22–23 Nov 2021); in Dec 2021 Vietnam's securities depository (VSD) censured TCBS for repeatedly correcting trade errors
All pros and cons · Who is it for?
More pros
- 4.5/5 from 5,254 ratings on the Vietnam App Store, last updated 2 Nov 2026
More cons
- Store labels claim no data collection, while TCBS's privacy notice allows collecting device and location data and sharing with partners
- The detailed fee schedule could not be read on the official site; the 0.03% figure appears only in a third-party source
Best for
- People who want to try copying other investors' trades through iCopy
- Techcombank customers who prefer an investment account within the same group
Skip it if
- Readers who want a full fee schedule easy to find on the website: AppDuo could not read a detailed fee list on TCBS's site
Experience & key features
What is TCInvest?
TCInvest is the investing app of Techcom Securities (TCBS), a securities subsidiary of Techcombank. It has been on the App Store since October 2015 and is now at version 6.4.8. TCBS describes it as a one-stop platform for stocks, bonds, funds, covered warrants, derivatives and some structured products for individual investors in Vietnam.
Key features
Per the official description, the app offers a price board with real-time indicators, stock screeners, multi-condition orders, alerts, portfolio back-testing and Markowitz optimisation, plus a bond trading center. With iCopy, users pick one or more investors TCBS calls iTraders, copy their stock trades and can switch at any time; iWealth Club is a community for sharing portfolios. TCBS also offers TCWealth, an automated personal finance adviser, and TCAnalysis covering over 1,350 listed companies.
Fees and value
The TCBS homepage states a Zero Fee policy: no trading fee on listed stocks, derivatives, covered warrants and fund certificates. Finhay's comparison (16 Jun 2026) lists a 0.03% stock trading fee, free deposits and an 11,000 VND fee per withdrawal, and says the 0.03% is the exchange fee passed through. This is a third-party source and should be checked against TCBS's schedule. The article also mentions an online account-opening promotion from 1 Aug to 31 Oct 2026, which has now ended.
More analysis
Who it's for and how it compares
TCInvest suits people interested in bonds, funds and automated investing tools. Finhay, by its own comparison, focuses on short-term savings; investors who mainly trade stocks may also compare SSI iBoard, VNDIRECT or VPS SmartOne. Weigh the low Google Play score, the 2021 failure and the gap between the store data labels and the privacy notice. All investing carries risk, and AppDuo gives no investment advice.
Screenshots
Plans & pricing
Prices last verified Nov 11, 2026
TCInvest (app và tài khoản)
PersonalFree
The app is free on the App Store. The TCBS homepage states a "Zero Fee" policy: no trading fee on listed stocks, derivatives, covered warrants and fund certificates. A Finhay comparison table (third party, not TCBS) lists 0.03% of stock trade value and says this is the exchange fee passed through. Bonds, iCopy and margin are priced separately; check TCBS's official fee schedule.
- Free plan limits
- Downloading the app and opening an account cost nothing; costs depend on the investment products you choose.
- Free trial
- No free trial
Cancellation & refunds
TCInvest is a brokerage app with no subscription plan, so there is no subscription refund policy. AppDuo could not read TCBS's detailed fee schedule and trading terms.
Privacy
The App Store privacy label says the developer collects no data from the app (not verified by Apple), and Google Play's Data safety section likewise says no data is collected or shared with third parties. TCBS's own Data Security and Privacy Notice is broader: it may collect technical data from its websites and apps (device type, IP address, location, usage statistics) and marketing data such as cookies and browsing history, and it may share customer data with its parent company, affiliates and partners, including direct-marketing partners, possibly outside Vietnam. TCBS says it will not sell personal data without consent. Deletion or consent-withdrawal requests go to [email protected], and TCBS may decline where the law requires it to keep data. On account security, TCBS told VnEconomy (Oct 2024) that the app uses iOTP login confirmation on a main device, a 24/7 safety lock, extra SMS OTP for sensitive actions and risk scoring of unusual activity; this is TCBS's own description, not independently audited.
TCInvest alternatives
7.7/10Techcombank Mobile
Techcombank's retail banking app with zero-fee transfers and auto-earning
7.1/10SSI iBoard
Trading platform of SSI, a Vietnamese brokerage with a large market share
Controversies & incidents
Issues documented by the press, regulators, courts or the vendor itself. Every item is sourced; unproven claims are labelled as allegations. Last researched: Nov 11, 2026
- Medium impactResolvedOutage ·
Trading failure during a sharp sell-off, followed by a VSD censure (Nov–Dec 2021)
Per Nhadautu, many TCBS clients could not access the app to trade on 22 Nov 2021, with problems continuing into 23 Nov. On 9 Dec 2021 VSD censured TCBS for repeatedly correcting trade errors that November.
Read the full account
Per Nhadautu, on 22 Nov 2021 hundreds of stocks hit their floor price and many TCBS clients said on forums they could not access the app, with some unable to buy. TCBS announced a system problem in the 22 Nov session and said it was checking figures to keep account information accurate; processing was expected to run until 10:30 on 23 Nov, with transfers and orders unavailable meanwhile. Trading returned to normal by the end of the 23 Nov morning session. The article cites investors on forums saying the app had failed before during volatile markets; it gives no cause or compensation details. On 9 Dec 2021 VSD issued Decision 150/QĐ-VSD censuring TCBS for repeatedly correcting securities trade errors on HOSE and HNX in November 2021. AppDuo found no similar recent press-reported incident.
Vendor response
TCBS notified clients of the system problem and data check, expecting completion at 10:30 on 23 Nov 2021.
Sources:Nhadautu.vn: market volatility, TCBS clients unable to trade (2021-11-23)VSD: censure decision 150/QĐ-VSD against TCBS (2021-12-09)
Frequently asked questions
Is TCInvest free?
The app is free on the App Store. The TCBS homepage states a Zero Fee policy for listed stocks, derivatives, warrants and fund certificates; check TCBS's fee schedule for other products.
Who runs TCInvest?
Techcom Securities (TCBS), a Techcombank subsidiary. HOSE approved the listing of TCBS shares (ticker TCX) on 9 Oct 2025; per Nhadautu, Techcombank holds 79.82%.
What is iCopy?
A feature for copying the stock trades of investors TCBS calls iTraders. Users can see an iTrader's performance and portfolio and switch whom they copy at any time. Copying trades does not remove risk, so read the iCopy terms and fees first.
Does TCInvest support English?
The TCBS website is available in Vietnamese and English, and the App Store lists English. The store description is in Vietnamese only, and the service targets investors in Vietnam.
Review evidence & sources12
Scores
- Ease of use
- 7.0
- Features
- 8.2
- Value for money
- 7.8
- Performance
- 6.5
- Support
- 6.5
- Privacy & security
- 6.0
Why this score
4.5/5 from 5,254 App Store ratings but only 2.6/5 on Google Play. The website is in Vietnamese and English, while the store description is Vietnamese only. The many products (iCopy, bonds, funds, derivatives) may overwhelm newcomers.
Why this score
Covers stocks, bonds, funds, warrants and derivatives, with multi-condition orders, screeners, portfolio optimisation, the TCWealth robo-advisor, iCopy and iWealth Club per official descriptions. Finhay notes no short-term savings product or spending card.
Why this score
The app is free and TCBS states Zero Fee on many listed trades. The score is held back because AppDuo could not read the full fee schedule, so margin, iCopy and bond costs are unconfirmed.
Why this score
The 22–23 Nov 2021 incident left clients unable to place orders or transfer money while TCBS reprocessed data, and VSD censured TCBS for repeated trade-error corrections that month. No newer press-reported outage was found; the low Google Play score is still a caution signal.
Why this score
There is a hotline (1800588826), email ([email protected]) and a Help section on the website. No independent data on support quality was found, so the score stays middling.
Why this score
TCBS describes several account-security layers and says it will not sell personal data without consent. Marked down because the store labels (no collection, no sharing) do not match its privacy notice, which allows device, location and cookie data collection and sharing with affiliates and marketing partners, including abroad; deletion requests may be refused.
What users say
- App Store (Vietnam)4.5/5 · 5,254
- Google Play (Vietnam)2.6/5 · 4,650
Sources
- Vendor-providedTCBS individual homepage (products, Zero Fee, iCopy)Nov 11, 2026
- Vendor-providedTCBS Zero Fee pageNov 11, 2026
- Vendor-providedTCBS Data Security and Privacy NoticeNov 11, 2026
- storeApp Store listing (Vietnam)Nov 11, 2026
- storeiTunes Lookup API (release date, version, rating)Nov 11, 2026
- storeGoogle Play listing (Vietnam)Nov 11, 2026
- review-siteFinhay: securities app comparison 2026Nov 11, 2026
- Vendor-providedTechcombank: stock trading fee privilege (2021, expired)Nov 11, 2026
- pressVnEconomy: TCBS security features on TCInvest (2024-10-02)Nov 11, 2026
- pressNhadautu.vn: TCBS clients unable to trade (2021-11-23)Nov 11, 2026
- pressNhadautu.vn: TCX shares listed on HOSENov 11, 2026
- Vendor-providedVSD: censure decision against TCBS (2021-12-09)Nov 11, 2026
Specs & compatibility
- Developer
- Techcom Securities (TCBS)
- Headquarters
- Vietnam
- Launched
- 2015
- Category
- Finance
Capabilities
- Mobile app
- Integrations
Platforms
- iOS
- Android
- Web
Interface languages
- Vietnamese
- English
Integrations
- iCopy
- iWealth Club
- TCWealth
- TCAnalysis
Support
- Phone
- Help center
Change history
- Feature.Version 6.4.8: iBond shows prices by customer tier; adds fund analysis plus market-cap and year-to-date (YTD) return columns to the price board.
- Company.HOSE approves the listing of over 2.3 billion TCBS shares (ticker TCX).
- Feature.TCBS presents TCInvest security layers: iOTP, a 24/7 safety lock, extra SMS OTP and risk scoring.
Full change history (6)
- Update.Vietnam Securities Depository (VSD) issues Decision 150/QĐ-VSD censuring TCBS for repeatedly correcting trade errors on HOSE and HNX in November 2021.
- Update.TCBS's system fails in the 22 Nov session; data processing runs until 10:30 on 23 Nov, with orders and transfers unavailable meanwhile.
- Launch.The TCInvest app first appears on the Vietnam App Store (release date per iTunes data).
About the author
Reviews & comments
Written by readers with a verified email address.
No reviews yet. Have you used TCInvest? Share your real experience.
Reader reviews are counted separately and do not affect the Editorial Team’s score.
No comments yet. Be the first to share your experience.
Comments are readers’ opinions, not content from the AppDuo Editorial Team.