Source-backed analysis9
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.
9 reference sourcesInformation updated Nov 10, 2026
How we review
Zalopay Review
VNG's e-wallet for QR payments and transfers, including inside Zalo chats
By AppDuo Editorial Team · Updated
- iOS
- Android
On this page
Decide at a glance
Our verdict
A fit for Zalo users who want a compact wallet for transfers, QR payments and bills, run by a licensed payment intermediary and rated highly on both stores. The trade-offs: detailed limits and fees are not clearly published on the pages reviewed, and the data policy allows sharing within affiliated companies and use for marketing.
Best for: Frequent Zalo users who want to send money and pay inside the chat window
Skip it if: Anyone who needs a fully published fee and limit schedule before signing up
Pros
- 24/7 transfers and payments are described as free on the official homepage
- 4.8/5 on the App Store (about 356,000 ratings) and 4.91/5 on Google Play (about 385,000 per AppGoblin)
- Cross-border QR scanning in 11 countries and regions per the App Store description, plus transfers inside Zalo
Cons
- The homepage gives no figures for the monthly limit or the fees above it
- The data policy allows sharing with affiliates, banks and partners and use for marketing, with no stated retention period
All pros and cons · Who is it for?
Pros
- State Bank licence (No. 04/GP-NHNN, issued 19 January 2026) and stated PCI DSS and ISO 27001 certification
Cons
- Third-party advertising SDKs (Google, Facebook, AdMob) appear in the Android build per AppGoblin
Best for
- People who want QR payments at home and in several other countries, plus bills and phone top-ups
- Users who want to link several bank accounts to one wallet
Skip it if
- Users who want the tightest data privacy, as the policy allows sharing with affiliates and marketing use
Problems it solves
Experience & key features
What Zalopay is
Zalopay is an e-wallet run by ZION Joint Stock Company, part of VNG. Its homepage states that ZION holds State Bank of Vietnam licence No. 04/GP-NHNN, issued on 19 January 2026, covering an e-payment gateway, collection and disbursement support and e-wallet services. A July 2026 article in Doanh nhan va Phap luat cites more than 22 million users and over 86,000 partners, figures supplied by the company.
How it works and key features
According to the homepage and the App Store description, the wallet supports three main groups of functions: transfers and QR, bills and services, and financial products. Users can also link several bank accounts to a single Zalopay account.
- Transfers and QR
24/7 bank transfers, transfers inside Zalo chat, QR payments at the counter, and QR scanning in 11 countries and regions per the App Store. - Bills and services
Electricity, water, internet, apartment fees, phone and data top-ups, flights, online shopping and entertainment. - Finance
Expense tracking, savings, the Paylater wallet for shopping, bills and instalments, and partner loans (3 to 36 months, 3 to 50 million ₫, up to 35% APR).
Cost and value
The homepage says 24/7 transfers and payments are free, though some transactions may carry fees once a monthly limit is exceeded, and it does not state that limit. Check the limit inside the app before moving larger sums. For loans and Paylater, the cost is the lender's interest and fees, whose terms need reading separately.
More analysis
Who it suits versus alternatives
Zalopay's clearest difference is its tie-in with Zalo, so it suits people who already use Zalo daily. In April 2025 Zalopay signed an agreement with the Research and Application Center for Population Data and Citizen ID (Ministry of Public Security) letting users complete electronic identity verification through VNeID with biometrics. If you are weighing MoMo, VNPAY or ShopeePay, compare acceptance network, promotions and data policy yourself, as the sources reviewed contain no direct comparison.
Screenshots
Plans & pricing
Prices last verified Nov 10, 2026
Zalopay (ví cá nhân)
PersonalFree
The Zalopay homepage says 24/7 transfers and payment transactions are free, though some transactions may incur a fee once a monthly limit is exceeded; the page does not state that limit. Partner loans and the Paylater wallet are separate financial products: the App Store description lists loans of 3 to 36 months, from 3 to 50 million ₫, at up to 35% APR depending on the application.
- Free plan limits
- A phone number and a bank account or card for top-ups are needed. The usage agreement says the identity verification level depends on the service registered. No detailed limits and fees table was found in the pages reviewed, so check inside the app or ask the hotline.
- Free trial
- No free trial
Cancellation & refunds
No separate refund policy for the wallet was found in the pages reviewed. Transaction issues go through the 1900 545 436 hotline, [email protected] or the in-app help centre.
Privacy
Zalopay's privacy policy (updated 22 June 2023, with additions on 12 December 2024 and 15 April 2025) lists collected data including name, date of birth, ID documents, phone number, bank account or card details, a face photo, transaction records and automatically collected data such as IP address, location and device ID. Purposes include running the service, identity verification, fraud prevention, customer support, and marketing and promotions. ZION may share data with its group and affiliate companies, banks, financial institutions, card schemes, insurers, credit information companies, service providers and competent authorities, and commits not to sell or rent it. Data may be processed and transferred abroad. Users can view, correct, withdraw consent and request deletion, though deletion may limit or end the service; no retention period is specified. The App Store privacy label declares precise location, phone number, device ID, usage and diagnostic data as linked to the user, with usage data also used to track users across other companies' apps and websites. AppGoblin lists Google, Facebook and AdMob advertising SDKs in the Android build.
Zalopay alternatives
8.2/10Apple Pay
Tap-to-pay on iPhone and Apple Watch, no fee, card number hidden from merchants
7.5/10MoMo
Widely used Vietnamese e-wallet for transfers, bills, spending tracking and QR payments
Frequently asked questions
Does Zalopay charge fees?
The Zalopay homepage says 24/7 transfers and payments are free, but some transactions may incur fees above a monthly limit that the page does not specify. Loans and Paylater carry their own interest and fees.
Is Zalopay licensed?
The homepage states that ZION holds State Bank of Vietnam licence No. 04/GP-NHNN issued on 19 January 2026 for an e-payment gateway, collection and disbursement support and e-wallet services.
Can I use Zalopay abroad?
The App Store description says QR payments work in 11 countries and territories: Thailand, Singapore, Japan, South Korea, Malaysia, China, Hong Kong, the Philippines, Laos, Cambodia and the United States.
How do I contact Zalopay support?
Hotline 1900 545 436 (1,000 ₫ per minute per the homepage), email [email protected], Zalopay's Facebook page or the in-app help centre.
Review evidence & sources9
Scores
- Ease of use
- 8.0
- Features
- 8.2
- Value for money
- 7.8
- Performance
- 7.8
- Support
- 6.5
- Privacy & security
- 5.8
Why this score
A 4.8/5 App Store and 4.91/5 Google Play average suggest users are broadly satisfied, and sending money inside Zalo chats saves switching apps. Held back by identity verification requirements that vary by service and add steps for financial products.
Why this score
Transfers, domestic and cross-border QR, bills, top-ups, expense tracking, savings, Paylater and partner loans, plus many merchant partners. Broad, though several financial products come from third parties.
Why this score
Wallet use and 24/7 transfers are free per the homepage, but the monthly limit and the fee above it are not published as numbers; the loan APR of up to 35% listed on the App Store is high, so terms need reading carefully.
Why this score
High ratings and frequent updates (Google Play updated 5 November 2026, App Store on version 11.16.0) point to active maintenance. No independent speed or stability measurements appeared in the sources reviewed, so the score stays moderate.
Why this score
A 1900 545 436 hotline (1,000 ₫ per minute per the homepage), email, Facebook and an in-app help centre are available. The per-minute call fee and the absence of dispute-handling deadlines in the sources reviewed keep the score middling.
Why this score
A public policy with access, correction, consent-withdrawal rights and a no-sale commitment. Against it: location and face photos are collected, data is shared with affiliates and third parties, may be transferred abroad, no retention period is stated, deletion may end the service, and advertising SDKs are present.
What users say
- App Store (Vietnam)4.8/5 · 356,462
- Google Play (via AppGoblin)4.9/5 · 385,000
Sources
- Vendor-providedOfficial Zalopay homepageNov 10, 2026
- Vendor-providedOfficial Zalopay privacy policyNov 10, 2026
- storeApp Store listing (Vietnam)Nov 10, 2026
- review-siteAppGoblin: Zalopay (iOS)Nov 10, 2026
- review-siteAppGoblin: Zalopay (Google Play)Nov 10, 2026
- pressDoanh nhan va Phap luat: Zalopay in CNBC top fintech 2026 (2026-07-23)Nov 10, 2026
- pressViettimes: Zalopay VNeID authentication (2025-04-10)Nov 10, 2026
- pressBao Dau tu: Zalo Pay (2018-12-01)Nov 10, 2026
- Community-reportedVNBA member page: ZION - ZalopayNov 10, 2026
Specs & compatibility
- Developer
- Công ty Cổ phần ZION (VNG)
- Headquarters
- Vietnam
- Launched
- 2016
- Category
- Finance
Capabilities
- Mobile app
- Integrations
Platforms
- iOS
- Android
Interface languages
- Vietnamese
- English
Integrations
- Zalo
- VNeID
- Ngân hàng liên kết
- Visa
- Mastercard
Support
- Phone
- Help center
Change history
- Update.Zalopay appears in the Payments category of CNBC and Statista's World's Top Fintech Companies 2026, its second listing after 2023; the company cites over 22 million users.
- Company.State Bank licence No. 04/GP-NHNN is issued to ZION for an e-payment gateway, collection and disbursement support and e-wallet services, per the Zalopay homepage.
- Feature.Viettimes reports Zalopay users can complete electronic identity verification in VNeID using biometrics under an agreement with the RAR centre of the Ministry of Public Security; Zalopay then served over 16 million users.
Full change history (6)
- Update.Zalopay updates its privacy policy (with additions on 12 December 2024 and 15 April 2025).
- Update.A Zalo Pay representative tells Bao Dau tu the wallet has over 2 million accounts as of October 2018 (company-supplied, not independently verified).
- Launch.The Zalopay app first appears on Google Play (first release date per AppGoblin); the iOS version's first release date is 21 September 2016.
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