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Timo is the first new generation bank in Vietnam! Timo does not have branch like a traditional bank. Every transaction can be done online. But of course, Timo still has a headquarter called Hangout, where you can open an account, or to seek for advice and information from Timo Care specialists! In particular, Timo hangout is a cool cafe, so if you just need a place to relax, hang out with friends or drink coffee, Hangout is also happy to welcome you! After registering for Timo online and completing the account opening steps, you will have a Timo debit card that can be used for all domestic transactions such as ATM withdrawals, transfers, payments,... Timo's new and unique features are web banking and mobile banking on e-banking application. As soon as you join Timo, you have 3 accounts at the same time without any additional work or fees. These are (1) Spend Account - Normal payment for consumption account; (2) Goal Save - A short-term savings with interest rate of 1%/year and (3) Term Deposit - Saving account with term. You can freely use these accounts to manage your money anywhere, anytime you need!