Source-backed analysis11
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.
11 reference sourcesInformation updated Nov 10, 2026
How we review
Techcombank Mobile Review
Techcombank's retail banking app with zero-fee transfers and auto-earning
By AppDuo Editorial Team · Updated
- iOS
- Android
On this page
Decide at a glance
Our verdict
A fit for people who hold, or are about to open, a Techcombank account and want transfers, payments, investing and rewards in one app rated 4.8/5 on both stores. The trade-offs: it only works with this bank's accounts, runs on one device at a time, and the data policy allows sharing with several groups of recipients.
Best for: Techcombank retail customers who want one app for transfers, bill payments and spending tracking
Skip it if: Anyone who has no Techcombank account and does not want one, since the app is not standalone
Pros
- Free to use, with a Zero-fee programme covering interbank, 24/7 instant and internal transfers
- 4.8/5 on the App Store (about 947,000 ratings) and 4.8/5 on Google Play (about 630,000 per AppGoblin)
- In-app eKYC account opening, plus auto-earning on idle cash, investment views and a rewards section
Cons
- Since 1 July 2024, under State Bank rules that apply to all banks, transfers above 10 million ₫ per transaction or 20 million ₫ per day need a face check, as does the first transaction on a new device
- Works on one device at a time, and switching phones means re-registering
All pros and cons · Who is it for?
Pros
- Optional Face ID or fingerprint for faster login and authentication
Cons
- Third-party advertising and attribution SDKs are present, and the English FAQ and privacy pages carry an "outdated" label
Best for
- People who want to open an account remotely via eKYC without visiting a branch
- Users interested in earning on idle cash and viewing investments inside the same app
Skip it if
- Users of rooted or jailbroken phones, or anyone who needs the app on several devices at once: such devices are unsupported and the app runs on one device at a time
Problems it solves
Experience & key features
What Techcombank Mobile is
Techcombank Mobile is Techcombank's retail banking app, released in November 2021 as a rebuilt successor to F@st Mobile. According to the bank's announcement, the rebuild drew on more than 4,200 surveys and hundreds of hours of the bank's own testing around transaction habits. A Techcombank account is required, but Vietnamese citizens living in Vietnam can open one inside the app via eKYC.
Key features
According to the App Store description and the bank's own articles, the app is organised around four groups of functions: transfers and payments, auto-earning on idle cash, personalisation with spending tracking, and investing with rewards. Most are available once digital banking is registered, while some depend on each customer's eligibility.
- Transfers and payments
Transfers by phone number, payments and receipts via a personal QR code, utility bills and auto-bill set-up. - Auto-earning
The "Let-your-money-work" feature officially launched in January 2024 and earns interest on idle cash in the primary account while keeping it usable. The bank quoted 3.1% per annum when it was reported in May 2024, subject to prevailing policy. - Personalisation and spending tracking
Choose an account number, card design, feng shui background colours and wallpapers, and view spending charts for budgeting. - Investing and rewards
App Store promo images show an investment overview and a points and vouchers section; the bank also reports that 60% of new Techcom Securities accounts are opened entirely online.
Cost and limits
The official FAQ states the app is completely free. The default limit for 24/7 instant and interbank transfers is 500 million ₫ per day, which can be raised to 5 billion ₫ for 30 days. Since 1 July 2024, transfers above 10 million ₫ per transaction or 20 million ₫ per day, and payments above 100 million ₫, require biometric verification. Other services such as credit-card cash withdrawals or foreign currency have their own fee schedules, which this review has not fully checked.
More analysis
Against alternatives
For existing Techcombank customers the app brings many services together and is rated highly on both stores. If you bank mainly elsewhere, or want an e-wallet such as MoMo that links to many banks, compare acceptance network, fees and data policy yourself, as the sources reviewed contain no direct comparison.
Screenshots
Plans & pricing
Prices last verified Nov 10, 2026
Techcombank Mobile (khách hàng cá nhân)
PersonalFree
The official FAQ says using Techcombank Mobile is "completely free", including in-app balance-change notifications. The Zero-fee programme waives fees on internal, interbank and 24/7 instant transfers for e-banking customers. The default limit for 24/7 instant and interbank transfers is 500 million ₫ per day; it can be raised in the app to as much as 5 billion ₫, but the new limit lasts only 30 days before reverting. Accounts opened through in-app eKYC are capped at 100 million ₫ per month until the customer completes verification at a branch.
- Free plan limits
- A Techcombank account is required. Fees for individual services (cards, foreign currency and so on) are in the bank's Fees and Forms section, which was not among the sources reviewed. The English FAQ page carries an "outdated" label, so confirm these figures with the bank.
- Free trial
- No free trial
Cancellation & refunds
No separate refund policy for the app was found in the sources reviewed. Transaction disputes go through the 1800 588 822 hotline or a branch. If a phone is lost, the hotline can temporarily lock digital banking.
Privacy
Techcombank's privacy policy lists basic data (name, date of birth, contact details, ID and account numbers) and sensitive data such as biometrics, financial and transaction history and login credentials, plus device, IP, location and app-usage data collected through cookies and pixels. Data may be shared with staff, affiliates, partners and service providers bound by confidentiality, insurance and distribution partners when a customer requests their products, buyers in a business restructuring and authorities on lawful request; the bank says it will not sell, trade or rent personal data without consent. Rights include giving or withdrawing consent, access, correction, restriction, objection and complaint, and direct marketing needs prior explicit consent. Retention is described only as the length of the relationship plus a further period for stated purposes and legal requirements. On 15 April 2026 the bank announced an update to its statement under Personal Data Protection Law 91/2025/QH15 and Decree 356/2025/ND-CP, yet the policy page reviewed still carries an "outdated" label. AppGoblin lists Google and Adobe advertising SDKs and the AppsFlyer attribution tool in the Android build, and the App Store privacy label declares identifiers and usage data that may be used for tracking and third-party advertising.
Techcombank Mobile alternatives
7.5/10VPBank NEO
VPBank's digital banking app: eKYC onboarding, free transfers, many bundled services
7.5/10MoMo
Widely used Vietnamese e-wallet for transfers, bills, spending tracking and QR payments
Frequently asked questions
Does Techcombank Mobile cost anything?
According to the official FAQ the app is completely free. The Zero-fee programme waives interbank, 24/7 instant and internal transfer fees for e-banking customers. Other services such as credit cards carry their own fees.
Can I open an account directly in the app?
Yes, through eKYC with a valid phone number and photo ID, but only for Vietnamese citizens living in Vietnam. Per the FAQ, eKYC accounts are capped at 100 million ₫ per month; after 48 hours the customer can update their details at a branch to raise the limit to 500 million ₫ per day.
Why does the app ask for a selfie?
Under State Bank Decision 2345/QĐ-NHNN, since 1 July 2024 these need a face check: transfers above 10 million ₫ per transaction or 20 million ₫ per day, payments above 100 million ₫, foreign currency transactions, and the first transaction after a first login or a device change. Biometric data can be updated in the app with a chip-based ID card, or at a branch.
How many devices can I use it on?
The FAQ says the app works on one device at a time and requires re-registration when you switch phones. Rooted or jailbroken devices are not supported.
Review evidence & sources11
Scores
- Ease of use
- 8.3
- Features
- 8.6
- Value for money
- 8.2
- Performance
- 8.0
- Support
- 6.8
- Privacy & security
- 6.5
Why this score
Account opening and digital banking registration happen inside the app, with optional biometrics and customisable themes; a 4.8/5 average from nearly a million App Store ratings suggests a well-received experience. Held back by selfie checks and the one-device rule adding steps.
Why this score
Beyond transfers, QR payments and bills, the app offers auto-earning on idle cash, an investment overview (equities, gold, bonds, funds), rewards, tools for small businesses and a link to Techcom Securities. Broad among bank apps, though some features depend on customer eligibility.
Why this score
The app is free and the Zero-fee programme waives transfer fees; the App Store description mentions up to 2% cashback on debit-card spending while the official spend FAQ states 1% of monthly spending. The two figures do not match, which caps the score.
Why this score
A 4.8/5 average on both stores and the Best Mobile Banking app in Vietnam award at The Asset Triple A Digital Awards 2025 point to stability, but they are ratings and awards, not independent performance measurements. The iOS build is about 446 MB.
Why this score
There is a 1800 588 822 hotline, an email address and a public FAQ, but the English FAQ is labelled outdated and gives two different iOS versions and two syntaxes for cancelling Smart OTP. No chat channel appeared in the sources reviewed.
Why this score
The policy sets out data-subject rights, a no-sale commitment and explicit consent for direct marketing. Against that: biometrics and location are collected, retention is stated only generally, third-party advertising and attribution SDKs are present, and the policy page is labelled outdated despite the bank announcing an update in April 2026.
What users say
- App Store (Vietnam)4.8/5 · 946,608
- Google Play (via AppGoblin)4.8/5 · 630,000
Sources
- Vendor-providedOfficial Techcombank Mobile FAQNov 10, 2026
- Vendor-providedOfficial Spending FAQNov 10, 2026
- Vendor-providedOfficial biometric update notice (2024-04-05)Nov 10, 2026
- Vendor-providedOfficial privacy policy pageNov 10, 2026
- Vendor-providedOfficial data privacy statement update notice (2026-04-15)Nov 10, 2026
- Vendor-providedOfficial announcement: Techcombank Mobile award-winning appNov 10, 2026
- storeApp Store listing (Vietnam)Nov 10, 2026
- review-siteAppGoblin: Techcombank Mobile (iOS)Nov 10, 2026
- review-siteAppGoblin: Techcombank Mobile (Google Play)Nov 10, 2026
- pressThe Investor: Techcombank auto-earning feature (2024-05-20)Nov 10, 2026
- pressVietnamPlus: Techcombank named best digital bank (2025-03-19)Nov 10, 2026
Specs & compatibility
- Developer
- Ngân hàng TMCP Kỹ thương Việt Nam (Techcombank)
- Headquarters
- Vietnam
- Launched
- 2021
- Category
- Finance
Capabilities
- Mobile app
- Integrations
Platforms
- iOS
- Android
Interface languages
- Vietnamese
- English
Integrations
- VNeID
- Techcom Securities
- Techcombank Rewards
Support
- Phone
- Help center
Change history
- Update.Techcombank announces an updated Data Privacy Statement under Personal Data Protection Law 91/2025/QH15 and Decree 356/2025/ND-CP.
- Update.Techcombank wins Digital Bank of the Year in Vietnam and Best Mobile Banking app in Vietnam at The Asset Triple A Digital Awards 2025; it reports all 10 million retail customers use the app.
- Update.Techcombank announces biometric authentication for certain transactions from 1 July 2024, and that from 1 January 2025 digital transactions are blocked until biometric data is updated.
Full change history (5)
- Feature.The auto-earning feature for idle cash officially launches in the app after 18 months of design and testing.
- Launch.Techcombank releases Techcombank Mobile as a rebuilt version of the earlier F@st Mobile app.
About the author
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