Living in Vietnam, I’ve seen the incredible rise of mobile payment apps in Vietnam and how they’ve transformed the way we handle everyday transactions. As we step into 2025, these apps have become essential for everything from shopping and dining to transferring money, making our financial lives much more convenient.
In this article, I’ll introduce you to my top ten mobile payment apps that are gaining traction across the country. Each app offers unique features tailored to different needs, ensuring a smooth and efficient payment experience for both locals and visitors. Let’s explore the best options available!
1. Wise
Wise is a top mobile payment app in Vietnam, designed for effortless international money transfers. With Wise, you can send money at the real exchange rate, avoiding the hidden fees that traditional banks often charge. The app’s intuitive interface allows you to manage multiple currencies easily, making it perfect for travelers and expatriates. Enjoy fast, secure transactions with a transparent fee structure that ensures you get the most value for your money. Sign up today to streamline your global payments and experience a smarter, more cost-effective way to send and receive money with Wise!
2. MoMo
MoMo is the leading mobile payment app in Vietnam in terms of the number of users. It is widely used all across the country to facilitate payments in a secure and fast way. Moreover, MoMo can be used to make in-app and in-game purchases, as well as, to pay utility bills. Additionally, MoMo users can recharge their phones with this app and buy movie or bus tickets. MoMo is truly a revolutionary app that has made electronic payments easy and convenient.
3. ViettelPay
ViettelPay is one of the best mobile payment apps in Vietnam, and is used widely to make digital payments. Carrying out an electronic transaction has never been easier in Vietnam due to ViettelPay. Just download the app and set up your ViettelPay account in minutes. Moreover, you can use this app to transfer money from one account to another in a matter of seconds. It is the second-most used mobile payment app in Vietnam.
4. Ví ShopeePay
Ví ShopeePay is the Vietnamese app for the renowned Southeast Asian digital wallet, ShopeePay. Ví ShopeePay allows you to pay off purchases made from SHOPEE store, which also offers nationwide free shipping. Moreover, you can order and pay for your food orders made from NOWFOOD with just your phone. Ví ShopeePay also enables you to pay off all your bills and service providers over the internet through your phone.
5. ZaloPay
ZaloPay is a nationwide digital wallet app in Vietnam that can be accessed from anywhere in the country. As long as you have ZaloPay, you don’t have to worry about making payments or transfers. Use ZaloPay to make digital payments and transactions in a secure and quick manner, while also enjoying many attractive offers. It offers a wide range of payment services, and is one of the most used mobile payment apps in Vietnam.
6. Grab Superapp
Grab Superapp is one of the most popular all-in-one mobile payment apps in Southeast Asia, operating in many major Southeast Asian countries, including Vietnam. Grab Superapp allows you to make contactless payments in a seamlessly and secure way. It is accepted in most major stores in Vietnam, where you just have to scan to make your cashless payment. Additionally, it also offers food delivery and package delivery services as well.
7. PayPal
PayPal is the leading mobile payment app in the world, and is highly popular among export-oriented businesses in Vietnam. PayPal enables you to manage all your international payments and transfer money abroad or receive payments. Being heavily reliant on its export industry, it is no surprise to see why PayPal is so popular in Vietnam. Use this app to accept or receive payments, transfer money and set up business accounts.
8. Payoo
Payoo is a mobile payment app that turns your mobile phone into a payment facilitator. Using Payoo, you can take care of all your bill payments digitally. Payoo can be used to pay off utility bills like, electricity bills, water bills and much more. Moreover, use Payoo to pay off your internet or television service providers. It is one of the best apps in Vietnam for paying bills.
9. VIMO E-Wallet
VIMO is one of the leading digital wallet apps in Vietnam that enables you to seamlessly pay and transfer money with your phone. It is renowned all across the country for its money transferring efficiency. But that’s not all, VIMO E-Wallet can be used to pay merchants, pay off utility bills and much more. Additionally, use VIMO E-Wallet to deposit or to withdraw funds without any cards, just via your phone.
10. VNPAY
VNPAY is one of the largest mobile payment apps in Vietnam that is renowned for its incredible connections in the industry. Currently, it is partnered with 32 banks and 6 mobile phone operators. So, if you want a payment app that provides flexibility and scalability for your business or personal use, then VNPAY is definitely the optimal choice for you. You can use this wallet to pay utility bills, top-up mobile phones and get other e-wallet services.
11. Vinapay
Vinapay was established way back in 2006, as a mobile top-up and payment service platform. Nowadays, its official app makes digital transactions easy and convenient. Additionally, it has top-class security management tools that enable you to make transactions safely. Vinapay is accepted as a payment option by 5000 agents all across Vietnam, in more than 50 cities. Use this digital wallet app to transfer money and make payments nationwide.
Mobile payment apps are gaining popularity at a rapid pace in Vietnam, so it is hard to choose one of them. But, your choice really comes down to what your preferences are. If you want a mobile payment app to carry out simple digital payments, then go for MoMo and ViettelPay. However, if you are looking for accessibility and partnerships, then VNPAY is the best option here.
