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Top 15 Fintech Companies in Vietnam - Explore Fintech Companies in Vietnam

Aradhya Verified

Product & Company Research Analyst   |   Updated 2026-07-20

Reviewed by ViewGates Editorial Team

Vietnam has been experiencing rapid development in the fintech industry. Digital wallets, buy-now-pay-later apps, and lending platforms are competing for a population that skipped straight from cash to smartphones. The Best fintech companies in Vietnam are MoMo, Zalopay, VNpay, which have transformed the daily financial transactions of individuals and businesses. Banks are partnering with startups instead of fighting them. For anyone trying to send money, invest, or borrow online, the choices have multiplied fast, and knowing what's actually worth your time matters more than ever.

Comparing the Top 15 Fintech Companies in Vietnam

These ratings reflect ViewGates independent expert evaluation across weighted factors (service quality, support, market presence). They are not user-submitted scores.

Detailed Profile of the Top 15 Fintech Companies in Vietnam

Here are full details of the top 15 fintech companies in Vietnam:

1. MoMo

MoMo is a Vietnam-based digital payment and financial technology platform that provides mobile wallet services, online payments, money transfers, bill payments, and digital financial products. The platform enables consumers and businesses to conduct cashless transactions through mobile applications and merchant networks. MoMo also offers services such as savings, insurance, lending partnerships, and payment solutions for businesses. It serves individuals, retailers, enterprises, and financial institutions across Vietnam, supporting the country's digital payment and financial inclusion ecosystem.

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2. ZaloPay

ZaloPay is a Vietnam-based digital payment platform operated by ZION Joint Stock Company, providing mobile wallet services, online payments, money transfers, bill payments, and merchant payment solutions. Integrated with the Zalo ecosystem, the platform enables users to make cashless transactions, pay for goods and services, and access digital financial features. ZaloPay serves consumers, businesses, and online merchants across Vietnam, supporting e-commerce, retail, and digital payment activities.

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3. VNPay

VNPay is a Vietnam-based fintech company specializing in digital payment solutions, QR payment technology, and financial technology services. The company provides VNPay-QR, online payment gateways, banking payment solutions, and digital transaction platforms for consumers, merchants, banks, and enterprises. VNPay supports businesses across retail, transportation, healthcare, education, and e-commerce sectors by enabling secure cashless payment solutions. Its services are widely integrated with banks and commercial platforms throughout Vietnam.

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4. Moca

Moca is a Vietnam-based digital payment platform that provides mobile wallet and cashless payment services. The company became widely recognized through its integration with Grab's digital ecosystem in Vietnam, enabling users to make payments for transportation, food delivery, shopping, and other digital services. Moca supports consumers and merchants through QR payments, online transactions, and digital payment solutions, contributing to Vietnam's expanding mobile payment market.

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5. Payoo

Payoo is a Vietnam-based fintech payment platform that provides electronic payment solutions, bill payment services, online payment gateways, and retail transaction solutions. The company connects consumers, merchants, banks, and service providers through its digital payment network. Payoo supports payments for utilities, insurance, transportation, education, e-commerce, and retail services. It serves businesses and consumers seeking convenient cashless payment options across Vietnam.

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6. OnePay

OnePay is a Vietnam-based electronic payment service provider specializing in online payment solutions, payment gateways, and transaction processing services. The company enables businesses to accept digital payments through cards, online banking, and other electronic payment methods. OnePay primarily serves enterprises in sectors such as e-commerce, travel, hospitality, and online services by providing secure payment infrastructure and transaction management solutions.

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7. NganLuong.vn

NganLuong.vn is a Vietnam-based online payment platform that provides digital payment solutions for individuals, merchants, and online businesses. The platform offers payment gateways, online transactions, e-wallet services, and payment processing solutions for e-commerce platforms. NganLuong.vn supports businesses by enabling secure online payments through multiple channels, including bank accounts, cards, and digital payment methods.

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8. TrueMoney Vietnam

TrueMoney Vietnam is a fintech company that provides digital payment and financial services through mobile-based solutions. The platform offers electronic payments, money transfers, bill payments, and financial access services for consumers. TrueMoney operates as part of the broader TrueMoney network in Southeast Asia, supporting digital financial inclusion and cashless transactions. The company serves individuals, merchants, and businesses seeking convenient payment solutions and digital financial services in Vietnam.

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9. Finhay

Finhay is a Vietnam-based fintech platform that provides digital investment, savings, and personal finance solutions. The company enables users to access investment products, financial planning tools, and wealth management services through a mobile application. Finhay focuses on helping young consumers manage savings and participate in financial markets through technology-driven solutions. It serves individual users seeking accessible investment and personal finance options in Vietnam.

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10. Timo

Timo is a Vietnam-based digital banking platform that provides online banking, savings accounts, payment services, personal finance tools, and digital financial solutions. The platform operates through partnerships with licensed banking institutions to deliver app-based banking experiences without traditional branch dependence. Timo serves individual customers seeking digital-first banking services, including account management, transfers, payments, and financial products.

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11. Trusting Social

Trusting Social is a Vietnam-connected fintech and artificial intelligence company specializing in alternative credit scoring, data analytics, and financial technology solutions. The company develops AI-powered platforms that help financial institutions assess credit risk and expand access to financial services. Its solutions support banks, lenders, and fintech companies in improving lending decisions through data-driven insights and automated credit assessment.

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12. Fundiin

Fundiin is a Vietnam-based fintech company providing buy now, pay later (BNPL) and consumer financing solutions. The platform allows customers to split payments for purchases into installments while helping merchants increase payment flexibility and customer conversion. Fundiin works with retailers and online businesses to provide embedded financing solutions integrated into shopping experiences. It serves consumers, e-commerce platforms, and merchants across Vietnam.

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13. F88

F88 is a Vietnam-based financial services company specializing in secured lending, pawn services, and consumer financial solutions. The company provides collateral-based loans, financial access services, and related products through a nationwide branch network. F88 primarily serves individuals and small business customers seeking fast access to financing. Its technology-enabled financial model combines physical service locations with digital financial processes.

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14. Infina

Infina is a Vietnam-based fintech investment platform that provides digital investment and savings solutions for individual investors. The platform enables users to access investment products, including savings, funds, and financial assets through a mobile application. Infina focuses on making investment services more accessible to retail customers through technology-driven financial tools and simplified investment processes.

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15. Cake by VPBank

Cake by VPBank is a Vietnam-based digital banking platform developed through a partnership between VPBank and Be Group. The platform provides digital banking services including online accounts, payments, money transfers, savings products, and financial solutions through a mobile application. Cake focuses on delivering convenient digital banking experiences for individuals and supports Vietnam's growing digital finance ecosystem.

Key Evaluation Factors We Assess

This table shows few major factors that are used to review of the top fintech companies in Vietnam:

How to Choose the Right Fintech Company for Your Financial Needs

Picking a fintech platform shouldn't feel like a research project. Here's what to actually look at:

• Licensing and compliance – Check if the company is registered with the State Bank of Vietnam; this alone weeds out most of the risky players.
  
• Fee transparency – Good platforms show you the full cost upfront, not buried three screens deep.
  
• Customer support– If something goes wrong with your money, you want a real person to talk to, not just a chatbot loop.
  
• App reliability – A platform that crashes during a transfer isn't saving you time, it's costing you peace of mind.
  
• Range of services – Some apps do payments only, others bundle lending, savings, and insurance; pick based on what you'll actually use.

Fintech Trends in Vietnam

Here are some notable trends in Vietnam:

Material Insights - Vietnamese users increasingly expect biometric login and instant KYC verification as standard, not a premium feature. Apps that still ask for manual document uploads are losing users to faster competitors.

Demand Pattern - There is an increase in demand by users aged between 18-35 years in urban areas. In addition, the demand in rural areas is constantly increasing.

Price -  P2P money transactions and payments are mostly for free while the earning is done via loans, merchants, and premium services. The competition amongst wallets keeps the cost low.

Type -  There are various types of financial technology services offered by fintech firms such as e-wallets, buy now pay later products, digital loaning services, robos advisors, and insurtech applications.

Market Overview -  As one of the rapidly expanding fintech markets in Southeast Asia, Vietnam has carved out a niche for itself because of a large number of smartphone users and young population.

Where to Buy/Access -  Companies may partner with service providers from the app stores or their websites through a fully online process. Partnerships with banks allow services to be accessible through existing banking apps.

How ViewGates evaluates and rates these companies

Our evaluations are conducted independently by the ViewGates Editorial & Research Team. To build a complete picture of each company, our analysts aggregate public sentiment and data from multiple external sources — including community and trade forums, survey data, verified reviews across the web, and direct industry inquiries — and combine this with our internal database and proprietary scoring criteria such as service quality, support, pricing, and overall market presence.

User sentiment is one input among many; final ratings reflect ViewGates' independent expert assessment and are not based on direct user submissions on this platform. We follow a structured, consistent methodology to ensure fair comparisons across companies. Learn more on our Methodology page. To suggest a correction, contact us at support@viewgates.com.