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
Viettel Money Review
Viettel's wallet: transfers, bills, phone top-ups and a Mobile Money account
By AppDuo Editorial Team · Updated
- iOS
- Android
On this page
Decide at a glance
Our verdict
Viettel Money suits Viettel subscribers who want one wallet for top-ups, bills, transfers and savings, and it holds 4.7–4.8/5 on both app stores. The trade-offs are a partner-provided quick loan with a maximum rate of 48% a year, in-app ads, and perks aimed mostly at Viettel users.
Best for: Viettel subscribers who regularly top up, buy data and pay bills
Skip it if: People who want a wallet tied to an e-commerce platform's shopping perks
Pros
- High ratings: 4.7/5 on the App Store (560,015 ratings) and 4.8/5 on Google Play (about 684,000 reviews)
- The homepage lists no maintenance fee and free sending and receiving via bank accounts or phone numbers
- Free Mobile Money registration in the app, plus a *998# USSD option without internet
Cons
- The quick loan comes from a partner at up to 4% a month (48% a year); the listing's example: VND 10 million over 12 months costs about VND 14.8 million in total
- Google Play states the app contains ads
All pros and cons · Who is it for?
Pros
- One app for top-ups, bills, savings, QR payments and voucher redemption
Cons
- The full fee schedule is in a separate PDF rather than on the homepage
Best for
- People who want a Mobile Money account opened in the app, without needing a bank account
- Users who like redeeming Viettel++ points for vouchers
Skip it if
- Anyone put off by an app that carries ads
Problems it solves
Experience & key features
What it is
Viettel Money is the e-wallet and digital finance ecosystem of Viettel, run by Viettel Digital Financial Services. Vnbusiness reports that ViettelPay launched on 29 June 2018 and Viettel Money officially launched in December 2021 as a commerce and digital finance ecosystem. iTunes data shows the app on the Vietnamese App Store since February 2018.
Key features
Per the Google Play description, the app covers QR payments, electricity, water and TV bills, phone top-ups, data packs, transfers by phone number and interbank, online savings, a quick loan and redeeming Viettel++ points for vouchers. The loan comes from a Viettel partner, for VND 3–50 million over 3–48 months. The website adds DigiGift e-gifts and a payment gateway for partner sites and apps. A Mobile Money account can be opened free in the app or via the *998# USSD code.
Mobile Money and limits
Mobile Money was a two-year pilot allowed by the Prime Minister from March 2021 for Viettel, VNPT and MobiFone (Báo Đầu tư, VIR). Báo Đầu tư reported a cap of VND 10 million a month per account during the pilot. Check the app for the current status and limits, since the reporting is dated.
More analysis
Fees and comparison
The app is free and the homepage lists no maintenance fee. Compared with MoMo, ZaloPay or ShopeePay, Viettel Money leans on telecom services, Viettel++ points and Mobile Money, while the others tie into their own messaging or shopping ecosystems. Weigh the partner loan's 48% annual maximum rate before using it.
Screenshots
Plans & pricing
Prices last verified Nov 10, 2026
Viettel Money (cá nhân)
PersonalFree
Downloading the app and registering is free. The homepage says there is no maintenance fee and that sending and receiving money via bank accounts or phone numbers is free; the full fee schedule is in a separate PDF.
- Free plan limits
- Báo Đầu tư (March 2021) reported a cap of VND 10 million a month per Mobile Money account during the pilot, covering withdrawals, transfers and payments. Check the app for current limits.
- Free trial
- No free trial
Cancellation & refunds
Not applicable to the app itself. Service fees follow Viettel Money's fee schedule.
Privacy
The Google Play Data safety section, self-declared by the developer, says no data is collected or shared with third parties, data is encrypted in transit and deletion can be requested. That claim is hard to square with a wallet that needs a phone number, an ID card and a face recording for eKYC, and the same Play page notes the app contains ads. The personal data protection policy is a PDF linked in the website footer; AppDuo did not review its contents, so read it before completing eKYC.
Viettel Money alternatives
7.5/10MoMo
Widely used Vietnamese e-wallet for transfers, bills, spending tracking and QR payments
7.3/10Zalopay
VNG's e-wallet for QR payments and transfers, including inside Zalo chats
Frequently asked questions
Does Viettel Money cost anything?
The app is free. The homepage lists no maintenance fee and free sending and receiving via bank accounts or phone numbers. Other fees are in Viettel Money's PDF fee schedule.
Do I need to be a Viettel subscriber?
The Google Play description says an account needs only a phone number and mentions perks for Viettel users, so users on other networks appear able to register. Check the app for exact conditions.
How do I contact support?
Call the free hotline 1800 9000 or email [email protected], per the official website.
Review evidence & sources7
Scores
- Ease of use
- 7.6
- Features
- 7.8
- Value for money
- 8.0
- Performance
- 7.6
- Support
- 7.0
- Privacy & security
- 6.2
Why this score
Per the listing, sign-up needs only a phone number and ratings are 4.7–4.8/5; points off for in-app ads and an eKYC step that still requires an ID card and a face recording.
Why this score
Interbank transfers, QR payments, bills, top-ups, savings, partner loans, vouchers and a payment gateway for partners.
Why this score
Per the homepage, the app is free, with no maintenance fee and free transfers via bank accounts or phone numbers; the partner loan's 48% maximum annual rate is high.
Why this score
Version 8.8.63 was updated on 31 Oct 2026 and ratings are high; no independent stability data was found.
Why this score
A free hotline (1800 9000) and email are listed; no independent assessment of support quality was found.
Why this score
The self-declared Google Play label says no data is collected and traffic is encrypted, but the app shows ads, eKYC needs an ID card and face video, and AppDuo did not review the full policy PDF.
What users say
- Apple App Store (Việt Nam)4.7/5 · 560,015
- Google Play4.8/5 · 684,000
Sources
- Vendor-providedViettel Money official websiteNov 10, 2026
- Vendor-providedViettel Money - About usNov 10, 2026
- storeApp Store listing (Vietnam)Nov 10, 2026
- storeGoogle Play listingNov 10, 2026
- pressVnbusiness (2022-06-24)Nov 10, 2026
- pressVietnam Investment Review (2021-03-11)Nov 10, 2026
- pressBáo Đầu tư (2021-03-18)Nov 10, 2026
Specs & compatibility
- Developer
- Công ty TNHH MTV Tổng Công ty Dịch vụ Tài chính số Viettel (Viettel Digital Financial Services)
- Headquarters
- Vietnam
- Launched
- 2018
- Category
- Finance
Capabilities
- Mobile app
- Public API
Platforms
- iOS
- Android
Interface languages
- Vietnamese
- English
Integrations
- Viettel++
- Cổng thanh toán cho website và app đối tác
- DigiGift
Support
- Phone
Change history
- Feature.Version 8.8.63 on the App Store adds accumulating top-ups via QR and trial service-pack offers for new Mobile Money registrants.
- Company.Viettel Money officially launches (December 2021) as a commerce and digital finance ecosystem.
- Update.The Prime Minister approves a two-year Mobile Money pilot; Viettel says it is ready to deploy.
Full change history (5)
- Launch.ViettelPay launches as Viettel's mobile financial service.
- Launch.The first release appears on the Vietnamese App Store (release date per iTunes lookup data).
About the author
Reviews & comments
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