ZaloPay review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
ZaloPay serves Vietnam as an electronic wallet for everyday transfers and bill payments. It suits customers who want phone based money handling with linked banks, utility bills and in store QR payments gathered in one routine application for daily use.
Key facts
- Best for
- Everyday wallet payments across Vietnam
- Monthly fee
- ₫0↗
- Transfer fee
- Free up to 5,000,000 VND total per customer per month (unlimited transactions); above that 3,100 VND + 0.65% of transaction value; ZaloPay-to-ZaloPay transfers free↗
- Legal entity
- Zion Joint Stock Company (Cong ty Co phan Zion)↗
- Headquarters
- Vietnam↗
- Support channels
- Email, Phone↗
- Audience
- Business
- Pricing model
- No monthly fee
- Features
- Digital-only
- Official website
- zalopay.vn
Money transfer
- Delivery time
- Instant (seconds) to a ZaloPay wallet; 5 - 10 minutes for international receipts, 24/7↗
- Payout methods
- Bank, Card, Wallet↗
- Fee to send 1,000
- ₫0↗
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- Wikidatafacebook.com
Pros and cons
Pros
- Links several banks to one ZaloPay account for repeat payments
- Covers electricity, water and internet bills plus mobile top ups
- Holds international security certifications for information protection named PCI DSS and ISO 27001
Cons
- Serves one national market in Vietnam rather than multiple countries
- Operates as a digital only wallet without physical branches
Who it suits
- Residents managing household bills from a phone
- Customers linking multiple banks in one wallet
Who should look elsewhere
- People seeking banking outside Vietnam
How ZaloPay compares
Where ZaloPay is available
- Available
- Vietnam
- Licence in Vietnam
- State Bank of Vietnam (Ngan Hang Nha Nuoc) (04/GP-NHNN), checked September 26, 2026
- Licence in Vietnam
- State Bank of Vietnam (Ngan Hang Nha Nuoc Viet Nam) (22/GP-NHNN), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does ZaloPay do for everyday money?+
ZaloPay provides an electronic wallet with electronic payment gateway functions and collection and disbursement support. It handles everyday transfers and service payments through a phone application. Linked banks can be reused for later payments without reentering details.
Where does ZaloPay operate?+
ZaloPay operates in Vietnam with services provided online under the Zalopay brand. It supports hundreds of utility services and thousands of acceptance points across the country. Its registered address is in Hồ Chí Minh City in Vietnam.
What kinds of bills and everyday payments does it cover?+
ZaloPay covers electricity, water and internet bills paid on schedule. It also handles mobile top ups across diverse networks and online shopping payments. Direct QR payments at counters are included for everyday errands.
How does linking banks to one account work?+
ZaloPay links several different banks to one account for repeat use. Customers connect bank details once and then select a linked source for transfers and bill payments. The approach reduces repeated form filling during daily transactions.
Who stands behind ZaloPay and how is it authorised?+
ZaloPay holds international information security certifications named PCI DSS and ISO 27001. It holds intermediary payment licence number 04/GP-NHNN dated 19 January 2026 from Ngân Hàng Nhà Nước. The licence covers electronic wallet services and collection and disbursement support.
Sources
- zalopay.vn checked September 26, 2026
Backs: Features, Support channels
“Chat and transfer money right in the Zalo chat window. Pay for every service without downloading another app”
- zalopay.vn/dich-vu/nhan-tien-quoc-te checked September 26, 2026
Backs: Delivery time
“Thoi gian nhan tien ve vi ZaloPay tu 5 - 10 phut (receive money into the ZaloPay wallet in 5 - 10 minutes); domestic ZaloPay wallet transfer is immediate”
- zalopay.vn/quy-dinh/chinh-sach-phi-dich-vu-tren-ung-dung-... checked September 26, 2026
Backs: Pricing model, Monthly fee, Payout methods, Transfer fee, Fee to send 1,000, Licences
“For ZaloPay accounts: payment using ZaloPay wallet balance: Free; top-up/payment by domestic card or linked bank account: Free”
- zalopay.vn/quy-dinh/thoa-thuan-su-dung-zalopay checked September 26, 2026
Backs: Audience, Headquarters, Legal entity
“Customer: individuals, organizations using or intending to use the Products, Services ... who register a Zalopay account”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.