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Vietnam · Banking & Payments
MoMo
MoMo is Vietnam's largest mobile e-wallet, used for payments, transfers, and bill payments by a large share of the country's smartphone users.
What it helps with
- Paying by QR code in VietnamMoMo pays VietQR codes in shops, cafés and markets, and bills such as electricity and phone top-ups.
- Sending money to friends instantlyTransfers to other MoMo users and bank accounts arrive in seconds.
- Buying cinema and travel ticketsMovie tickets, flights and bus tickets can be bought in the app.
About MoMo
Beyond peer-to-peer transfers, MoMo has grown into a broad payments platform covering bill payments, mobile top-ups, movie tickets, and QR payments accepted at a huge number of merchants across Vietnam.
Key Features
- QR Payments: Pay at shops, cafés, and restaurants by scanning a QR code.
- Peer-to-Peer Transfers: Send money instantly to other MoMo users by phone number.
- Bill Payments: Pay utilities, mobile top-ups, and other recurring bills in a few taps.
- Ticket & Voucher Purchases: Buy movie tickets, vouchers, and other services directly in the app.
How to Get Started
- Download MoMo from Google Play or the App Store.
- Register with a Vietnamese phone number and confirm by SMS.
- Link a local bank account or top up your wallet balance in cash at a partner location.
- Use the wallet to pay by QR code, send transfers, or pay bills.
Before you use it
- Sign-up: Full use needs a Vietnamese phone number and a linked Vietnamese bank account; foreigners verify with a passport.
- Good to know: MoMo also works abroad: Vietnamese users can pay at PayPay merchants in Japan through Alipay+ (June 2026).
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Frequently Asked Questions
- Does MoMo work with a foreign bank card in Vietnam?
- Not reliably - a foreign card may be declined. Check the notice above, or plan to use a local payment method.
- Is MoMo available in English?
- Not officially - the interface is mainly in the local language.
- Do I need a local phone number to use MoMo?
- No, an international phone number generally works for MoMo.
- Do I need local ID or residency for MoMo?
- No, MoMo doesn't require local ID or residency for visitors.
- Where can I use MoMo?
- iOS · Android
- How much does MoMo cost?
- Free wallet; most payments and transfers without fees
