Source-backed analysis7
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.
7 reference sourcesInformation updated Nov 10, 2026
How we review
VietinBank iPay Review
VietinBank's banking app: AI suggestions, V-Wealth investing and VNeID account opening
By AppDuo Editorial Team · Updated
- iOS
- Android
On this page
Decide at a glance
Our verdict
VietinBank iPay Mobile suits VietinBank customers who want an all-round everyday banking app, with 4.6/5 on both the App Store and Google Play and many fees waived. The point to weigh is that its Google Play data label says the app may share names, user IDs, contacts and device IDs with third parties.
Best for: VietinBank customers who want transfers, bills, savings and loans in one app
Skip it if: People without a VietinBank account who don't plan to open one
Pros
- 4.6/5 on the App Store (145,247 ratings) and 4.6/5 on Google Play (about 117,000 reviews), 10M+ downloads on Google Play
- Version 6.0 is described as having AI suggestions, customizable themes, 500+ utilities and the V-Wealth investment platform
- Payments via QR, card or Apple Pay; authentication with eKYC, Facepay Plus and Soft OTP
Cons
- The Google Play label says names, user IDs, contacts and device IDs may be shared with third parties, and precise location may be collected, including for advertising
- The iPay Mobile page on the website does not list fees, so you need the separate fee schedule
All pros and cons · Who is it for?
Pros
- Instant account opening via VNeID (version 6.1.1) and many fees waived per official information
Cons
- Many investment and loan features depend on the conditions of individual VietinBank products
Best for
- People who want to open an account online via eKYC or the VNeID app
- Users interested in funds, gold and bonds inside a banking app
Skip it if
- Users cautious about sharing contacts and device data with third parties
Problems it solves
Experience & key features
What it is
VietinBank iPay is VietinBank's mobile banking app for retail customers. iTunes data shows it on the Vietnamese App Store since August 2013. Tuổi Trẻ (December 2019) reported a redesigned iPay Mobile with up to 50 new features. Version 6.0, as described on the store listings, brings customizable themes, AI-driven suggestions and 500+ financial utilities; the current release is 6.1.1.
Key features
According to VietinBank's official page, the app supports interbank transfers, QR, fully online international transfers, bills for electricity, water, internet, insurance and tuition, savings, online loans, card management and investing in gold, fund certificates and bonds. The store description adds Paste to Pay, Apple Pay, 24/7 balance tracking and group funds. Version 6.1.1 allows instant account opening via VNeID.
Fees and value
Nhà đầu tư (December 2021) reported that from 1 January 2022 VietinBank waived fees for internal and external iPay transfers, account and iPay maintenance and OTT balance notifications for all customers, with no package or minimum balance. VietinBank's official November 2025 page on opening accounts via VNeID likewise lists account opening, transfers, account management and card issuance as free with no minimum balance. Check current terms in the app.
More analysis
Compared with other apps
BIDV SmartBanking, MB Bank and VCB Digibank also bundle transfers, bills and savings. In the data collected, iPay's App Store rating (4.6/5) is higher than BIDV SmartBanking's (3.9/5) and close to MB Bank's (4.7/5). The real differences lie in each bank's fees, perks and linked products.
Screenshots
Plans & pricing
Prices last verified Nov 10, 2026
VietinBank iPay (khách hàng cá nhân)
PersonalFree
The app is free to download. The Google Play description lists iPay maintenance as free. Per Nhà đầu tư (December 2021), from 1 January 2022 VietinBank waived, with no package or minimum balance required, fees for internal and external transfers via iPay, payment account maintenance, iPay maintenance, OTT balance notifications and debit card issuance.
- Free plan limits
- VietinBank's official page on opening accounts via VNeID (November 2025) lists account opening, internal and external transfers, OTT balance notifications, account management and card issuance as free, with no minimum balance. Check the app or VietinBank's website for current terms.
- Free trial
- No free trial
Cancellation & refunds
Not applicable to the app itself. Other fees follow VietinBank's fee schedule.
Privacy
The Google Play Data safety section, self-declared by VietinBank, says the app may share names, user IDs, contacts and device IDs with third parties. It may collect those plus phone number and precise location; location is optional and is also used for advertising or marketing. Data is encrypted in transit and deletion can be requested. For account opening via VNeID, VietinBank says customers can withdraw their request to share personal data. AppDuo did not cross-check VietinBank's full data protection policy.
VietinBank iPay alternatives
7.7/10Techcombank Mobile
Techcombank's retail banking app with zero-fee transfers and auto-earning
7.4/10MB Bank
MB's banking app: free transfers, online sign-up and strong store ratings
Frequently asked questions
Does VietinBank iPay cost anything?
The app is free. Per the press (December 2021) and the official page (November 2025), many transfer and maintenance fees are waived with no minimum balance. Other services follow VietinBank's fee schedule.
How do I register?
Download VietinBank iPay Mobile, then register and activate using eKYC or the VNeID app, per VietinBank's official page.
How do I contact support?
Call 1900 558 868 or email [email protected], as listed on the app stores and the website.
Review evidence & sources7
Scores
- Ease of use
- 7.8
- Features
- 8.2
- Value for money
- 8.2
- Performance
- 7.6
- Support
- 7.0
- Privacy & security
- 6.0
Why this score
4.6/5 on both stores; per the listing, version 6.0 brings a redesigned interface and Paste to Pay for quick transfers.
Why this score
Transfers, bills, savings, loans, cards, gold, funds, bonds, VPS securities account opening and personal finance management.
Why this score
A free app; per the press and the official page, many transfer and maintenance fees are waived with no minimum balance.
Why this score
Version 6.1.1 was updated on 6 Nov 2026 and ratings are high; no independent stability data was found.
Why this score
A 1900 558 868 hotline, email and a customer care portal exist; no independent assessment of support quality was found.
Why this score
VietinBank's self-declared Google Play label says names, user IDs, contacts and device IDs may be shared with third parties and location may be used for advertising; data is encrypted in transit and deletion can be requested.
What users say
- Apple App Store (Việt Nam)4.6/5 · 145,247
- Google Play4.6/5 · 117,000
Sources
- Vendor-providedVietinBank official websiteNov 10, 2026
- Vendor-providedVietinBank - iPay Mobile pageNov 10, 2026
- Vendor-providedVietinBank - Account opening via VNeID (2025-11-11)Nov 10, 2026
- storeApp Store listing (Vietnam)Nov 10, 2026
- storeGoogle Play listingNov 10, 2026
- pressTuổi Trẻ (2019-12-25)Nov 10, 2026
- pressNhà đầu tư (2021-12-30)Nov 10, 2026
Specs & compatibility
- Developer
- Ngân hàng TMCP Công Thương Việt Nam (VietinBank)
- Headquarters
- Vietnam
- Launched
- 2013
- Category
- Finance
Capabilities
- Mobile app
- AI features
Platforms
- iOS
- Android
Interface languages
- Vietnamese
- English
Integrations
- VNeID
- Apple Pay
- VPS (mở tài khoản chứng khoán)
Support
- Phone
- Help center
Change history
- Feature.Version 6.1.1 adds instant account opening via VNeID, group fund sharing and tailored card offers.
- Feature.VietinBank lets customers open an account and get a card directly in the VNeID app, with free account opening and transfers.
- Price.VietinBank extends the waiver of transfer and maintenance fees on iPay to all customers, with no package or minimum balance.
Full change history (5)
- Feature.Tuổi Trẻ reports a redesigned iPay Mobile with up to 50 new features such as card lock, bill reminders and scheduled transfers.
- Launch.The first release appears on the Vietnamese App Store (release date per iTunes lookup data).
About the author
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