Liobank - Digital Bank

Liobank is a modern mobile banking app in Vietnam that combines a digital bank account, credit card, loans, and savings in one simple app. Manage your money, make transfers, and earn cashback with Liobank app now!

Liobank is powered by Orient Commercial Joint Stock Bank (OCB) and operates under the supervision of the State Bank of Vietnam.

Credit Card

Access flexible credit directly in the Liobank app with a powerful 2-in-1 card

• Credit limit up to 200,000,000₫

• Up to 62 days interest-free period

• Use online and offline instantly

• Full control of your card in the app

A simple and convenient credit card app for everyday payments and purchases.

Cashback

Earn real money every time you spend:

• Get up to 10% cashback on payments

• Cashback on mobile top-ups

Turn your daily spending into real savings

Personal Loans

Get fast and flexible personal loans directly in the app:

• Loans up to 100,000,000₫

• Loan terms from 6 to 12 months

• Interest rates from 3.5% per month

• Quick approval with no paperwork

A simple way to access cash when you need it

Savings

Choose the savings option that fits your financial goals

Piggy

• Earn up to 4.75% interest per year

• Add or withdraw funds anytime

A flexible way to save money for all your needs

Fixed term deposits

• Interest rates up to 6.8%

• Flexible terms from 1 to 24 months

Ideal for growing your money over time with fixed returns.

Automatic Savings

• Earn 3.5% passive interest on your own account balance

• Automatically receive interest each month on your account balance

A simple way to earn passive income on your balance.

Installments

Split your purchases into convenient installment plans:

• Installments up to 24 months

• Low fee from 1.7% per month

• Transparent conditions with no hidden fees

Manage large expenses more easily with flexible installment options.

Payments & Transfers

Make fast and seamless payments with advanced features:

• Cancel a payment within 10 seconds if you make a mistake

• Respond to payments with a single touch and repeat previous payments instantly.

• Send money using your phone contact list

• Add beautiful photos to your money transfers and congratulate your friends in the most original way!

• Shake-to-pay: just shake your phone to pay and make transfers to people nearby without needing card or phone numbers.

• Split bills for cafes or taxis among friends.

• ApplePay & Google Pay support

Enjoy a smooth money transfer app experience every day.

Fees & International Payments

• Zero fees for transfers, payments, mobile top-ups, and utilities

• Low FX fee for international payments — only 1.99%

• No hidden charges or minimum fees

Transparent pricing for both local and international usage.

Security & Control

Stay fully in control of your finances:

• Manage subscriptions and linked services

• Change PIN, block/unblock card instantly

• Set online spending limits

• Use Incognito mode to hide balances and transactions

• Customize app appearance with themes and dark mode

Secure and flexible mobile banking at your fingertips.

Expense Tracking & Analytics

Understand and manage your spending:

• Access and export statements anytime

• Tag expenses for better tracking

• Analyze your spending habits easily

Make smarter financial decisions with built-in analytics.

Support

Get help whenever you need it:

• Choose how we address you for a personalized experience

• No chatbots — speak directly with real support specialists

Fast and reliable assistance anytime

Download Liobank app and get top-notch digital banking experience.

Details

Address: The Hallmark Building, 15 Tran Bach Dang Street, An Khanh Ward, Ho Chi Minh City

Company: Orient Commercial Joint Stock Bank (OCB)

Business code: 0300852005

Tel: (84) 2 836 220 139