Source-backed analysis8
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.
8 reference sourcesInformation updated Nov 12, 2026
How we review
VNPT Money Review
VNPT's e-wallet: bill payments and Mobile Money, mostly free of fees
By AppDuo Editorial Team · Fact-checked
- iOS
- Android
- Web
On this page
Decide at a glance
Our verdict
VNPT Money suits people who already use VNPT or VinaPhone services and want to pay bills or move cash through Mobile Money, and most of those transactions are free. The trade-offs are modest store ratings (3.9/5 on the App Store, 3.2/5 on Google Play) and a Vietnamese-only interface.
Best for: VNPT/VinaPhone customers who want to pay telecom and TV bills in one app
Skip it if: Anyone who needs a multilingual interface or uses a wallet abroad a lot
Pros
- Bill payments from the wallet, cash deposits into Mobile Money and wallet-to-wallet transfers are free under the current fee schedule
- Holds a State Bank of Vietnam payment intermediary licence (no. 41/GP/NHNN, 6 July 2017)
- Links to 40+ banks, with QR payments and payments on the National Public Service Portal
Cons
- Modest average ratings: 3.9/5 on the App Store and 3.2/5 on Google Play
- Vietnamese-only interface; neither the website nor the store listings mention another language
All pros and cons · Who is it for?
More pros
- Cash deposits and withdrawals through Mobile Money at VinaPhone points
More cons
- Cash withdrawal at agent points costs 0.5% (minimum VND 2,000) and transfers beyond the free allowance are charged
Best for
- People who want to deposit or withdraw cash via Mobile Money at VinaPhone points
- Users paying public services through the National Public Service Portal
Skip it if
- People who prioritise a highly rated app on the stores
Experience & key features
VNPT Money is the e-wallet of VNPT Media, part of the VNPT Group. It was formerly called VNPT Pay and renamed VNPT Money in March 2022. The company holds payment intermediary licence no. 41/GP/NHNN dated 6 July 2017. The vnptmoney.vn address redirects to vnptpay.vn.
According to its Google Play description, the app groups many services: mobile top-ups, card codes, internet and TV bills, electricity, water, tuition, hospital fees, flight, train and bus tickets, cinema tickets, insurance and financial collections. It offers recurring auto-pay, links to 40+ banks and payments on the National Public Service Portal. The official site also mentions QR payments (VNPay QR, Payoo QR, VNPT Money QR).
Mobile Money is an e-money account tied to a VinaPhone subscription, sharing the app and password with the wallet. The official site says cash can be deposited and withdrawn at VinaPhone points across 63 provinces, with a combined cap of VND 10 million a month for withdrawals, payments and transfers. VNPT Media says Mobile Money was licensed on a pilot basis from November 2021.
The app itself is free. Under the fee schedule effective 6 April 2026, bill payments from the wallet are free; transfers to an unlinked bank are free up to VND 50 million or 100 transactions a month, then 0.5% of the excess; withdrawals to a linked bank are free for the first 10 transactions or VND 100 million each month; cash withdrawal at agent points costs 0.5% with a VND 2,000 minimum. The schedule notes that limits and fees may change.
Compared with similar wallets such as MoMo or ZaloPay, VNPT Money's strength is its tie to the VNPT ecosystem and Mobile Money, while its store ratings are modest. The sources read contain no direct head-to-head data, so this review does not rank the wallets against each other.
Screenshots
Plans & pricing
Prices last verified Nov 12, 2026
Ví VNPT Money (cá nhân)
PersonalFree
Free app. Under the fee schedule effective 6 April 2026, bill payments from the wallet, cash deposits into Mobile Money and wallet-to-wallet transfers within VNPT are free. Transfers from the wallet to an unlinked bank or another e-wallet are free up to VND 50 million or 100 transactions a month (whichever comes first), then 0.5% of the excess (minimum VND 500). Withdrawals to a linked bank are free up to VND 100 million or 10 transactions a month, then 0.5% (minimum VND 2,000). Cash withdrawal at an agent point costs 0.5% (minimum VND 2,000). Payments are capped at VND 50 million per transaction.
- Free plan limits
- Mobile Money (balance tied to a VinaPhone number): the product page caps combined withdrawals, payments and transfers at VND 10 million per month per account; the detailed fee schedule lists different limits per transaction type and says they may change over time.
- Free trial
- No free trial
Cancellation & refunds
The pages AppDuo checked state no general refund policy. The help section has entries titled "Hoàn tiền mua sắm" (shopping refunds) and a customer-support service policy, but AppDuo has not reviewed their content.
Privacy
The official site says VNPT Money is licensed by the State Bank of Vietnam and protects transactions with OTP plus a 6-digit password, 3-D Secure and PCI DSS. In October 2022 the Vietnam Banks Association reported that VNPT Money had received PCI DSS 3.2.1 Level 1, the standard's highest level; a 2024 VNPT Media post repeats the claim without a certification date. The Google Play description cites OTP, fingerprint authentication and eKYC. In its Google Play data-safety section, the developer declares no data sharing with third parties, encryption in transit and a way to request deletion. AppDuo has not reviewed the customer information protection policy on the website, so its data-handling terms are not assessed here.
VNPT Money alternatives
7.5/10MoMo
Widely used Vietnamese e-wallet for transfers, bills, spending tracking and QR payments
7.4/10Viettel Money
Viettel's wallet: transfers, bills, phone top-ups and a Mobile Money account
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 12, 2026
No significant controversies or incidents found in the sources we checked.
Frequently asked questions
Does VNPT Money charge to use?
The app is free. Under the schedule effective 6 April 2026, bill payments from the wallet carry no fee; cash withdrawal at agent points costs 0.5% (minimum VND 2,000), and transfers or withdrawals beyond the monthly free allowance are charged.
Is VNPT Money licensed?
The official site lists payment intermediary licence no. 41/GP/NHNN dated 6 July 2017, issued by the State Bank of Vietnam governor to VNPT-Media.
How does Mobile Money differ from a telecom account?
Per the official site these are separate accounts. Mobile Money is an e-money account for payments, transfers and withdrawals; the telecom account only pays for carrier services such as calls, texts and data.
How can I contact customer support?
The official site lists a customer care hotline at 1800 1091 (option 3). A 2024 VNPT Money notice also gives the email [email protected].
Review evidence & sources8
Scores
- Ease of use
- 6.3
- Features
- 7.0
- Value for money
- 8.0
- Performance
- 5.8
- Support
- 6.2
- Privacy & security
- 6.5
Why this score
The app bundles many services, with fingerprint authentication and recurring auto-pay. The interface is Vietnamese only and store ratings are middling (3.9/5 and 3.2/5).
Why this score
Bill payments, mobile top-ups, tickets, insurance, QR, Mobile Money, 40+ linked banks and public services. No standout spending-management or international features appear in the sources read.
Why this score
The app is free and bill payments from the wallet carry no fee. Charges apply mainly to cash withdrawals and to transfers or withdrawals beyond the monthly free allowance.
Why this score
No independent performance data. Store ratings of 3.9/5 and 3.2/5 point to mixed satisfaction, but the sources read give no specific reasons.
Why this score
A hotline (1800 1091, option 3), an email address ([email protected], given in a 2024 notice), help pages and a detailed fee schedule on the website. No live chat appears on the pages checked.
Why this score
The vendor cites a State Bank licence, OTP, 3-D Secure and PCI DSS 3.2.1 Level 1, and its Google Play data-safety entry declares no third-party data sharing. No reported data breach or regulatory fine turned up. The score stays moderate because AppDuo has not reviewed the data policy and these are all vendor statements.
What users say
- App Store (Việt Nam)3.9/5 · 6,888
- Google Play (Việt Nam)3.2/5 · 17,600
Sources
- Vendor-providedTrang chính thức VNPT Pay / VNPT MoneyNov 12, 2026
- Vendor-providedBiểu phí dịch vụ VNPT Money (chính thức)Nov 12, 2026
- storeApp Store Việt Nam (iTunes lookup)Nov 12, 2026
- storeGoogle Play: VNPT MoneyNov 12, 2026
- Vendor-providedVNPT Media: VNPT Money 2022 (đăng 10/2/2023)Nov 12, 2026
- Vendor-providedVNPT Media: VNPT Money bảo đảm an toàn giao dịch (16/7/2024)Nov 12, 2026
- pressHiệp hội Ngân hàng: VNPT Money khuyến cáo 3 hình thức lừa đảo (18/3/2024)Nov 12, 2026
- pressHiệp hội Ngân hàng: VNPT Money nhận chứng chỉ PCI DSS cấp độ 1 (5/10/2022)Nov 12, 2026
Specs & compatibility
- Developer
- VNPT Media (Tổng Công ty Truyền thông VNPT-Media)
- Headquarters
- Vietnam
- Launched
- 2017
- Category
- Finance
Capabilities
- Mobile app
- Integrations
Platforms
- iOS
- Android
- Web
Interface languages
- Vietnamese
Integrations
- Napas
- VietQR
- Hơn 40 ngân hàng liên kết
- Cổng Dịch vụ công quốc gia
Support
- Phone
- Help center
Change history
- Price.The current VNPT Money service fee schedule took effect.
- Update.VNPT Money published a warning about three impersonation scam types in electronic transactions, based on information from the Information Security Department.
- Update.The Vietnam Banks Association site reported VNPT Money received PCI DSS 3.2.1 Level 1 certification.
Full change history (7)
- Update.Renamed from VNPT Pay to VNPT Money.
- Feature.VNPT Media was licensed for a Mobile Money pilot.
- Launch.The app first appeared on the Vietnam App Store (first release date in App Store data).
- Company.VNPT-Media received State Bank payment intermediary licence no. 41/GP/NHNN.
About the author
Reviews & comments
Written by readers with a verified email address.
No reviews yet. Have you used VNPT Money? 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.