Liobank is a Vietnam-based digital bank by Orient Commercial Joint Stock Bank (OCB) that pairs a 2-in-1 credit/debit card with cashback, savings, and installment features. With a solid 4.53125 rating from 15,561 reviews and over 1,000,000+ total downloads gathered in roughly 851 days, the app targets users seeking convenient, rewards-driven mobile banking. It is not currently ranked in any top lists.
Pros & Cons
2-in-1 card with credit and debit and instant cashback
Zero fees for fast transfers/payments and broad payment support (Google Pay)
High-yield savings options including 7.1% savings and 4.75% APY on Piggy
Rewarding referral program and frequent rewards for active card use
No explicit mention of UPI or similar instant-pay networks in the provided data
No deposits or online loan application flow is described in the dataset
Cross-border or international transfer features beyond FX fees are not described in the data
About Liobank - Digital Bank
Liobank - Digital Bank is a finance app developed by Orient Commercial Joint Stock Bank.
Download Statistics
Liobank - Digital Bank has been downloaded 1.3 million times. In the last 30 days, the app was downloaded 19 thousand times.
User Ratings
Liobank - Digital Bank is rated 4.53 out of 5 stars. The rating is based on 16 thousand ratings.
App Information
Liobank - Digital Bank is FREE to download. The last update was on January 23, 2026.
Technical Requirements
The app has a content rating of Everyone. The app has been available on Google Play January 2024.
Description
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.
π³ Credit Card Access flexible credit directly in the Liobank app with a powerful 2-in-1 card: • Credit limit up to 200,000,000β« • 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.
π€ 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
πΈ Personal Loans Get fast and flexible personal loans directly in the app: • Loans up to 100,000,000β« • 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
π° Savings Choose the savings option that fits your financial goals:
π· Piggy • Earn up to 4.75% interest per year • Add or withdraw funds anytime A flexible way to save money for all your needs
π 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.
πΈ 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.
π¦ 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.
β‘ 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.
πΈ 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.
π 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.
π 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.
π§ 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
π² Download Liobank app and get top-notch digital banking experience.
π« 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
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Should have the feature create category by myself, not all payment recognized belongs to which category by app
β β β β βbobΒ· Jan 23, 2026
Should add a function to hide the balance amount by default. The current app version can hide it temporarily with an emoji, but if the app is exited, the balance shows.
β β β β β Nathan PhamΒ· Sep 18, 2023
An amazing app with a very thoughtful and clean design. The app is very easy to use. I love the tagging feature to track spending. You can create your own tags and the app can even auto tags future transactions. No glitches so far for me in opening the app, transferring money, or making payments. The debit card offers great cash back. Biobank has the potential to become a leading digital bank in Vietnam.
App UI is clean and easy to understand, however, improvements can be made. Adhere to Vietnamese's banking habits, they would want to capture the transaction bills after transfer, having that option as a button after completing transfer would be nice. The app can utilize widget as a method of displaying their QR code on the user's home screen, follow Vietnamese's habits of using QR transfers. Also, optimization on performance is needed since the app usually run on transactional errors or delay.
β ββββSame LikeyouΒ· Sep 15, 2025
Only for local customers' no bnak account or plastic card for expats
β β βββHung Vinh LeΒ· Oct 18, 2023
Most banks do not support transferring money to Biobank. Friend invitation link doesn't work. It could not even track when my friend downloaded and installed the app.
β ββββErich HejzelΒ· Mar 16, 2024
Tried to take a photo of my ID for 10 minutes in good light conditions. I always get error messages, blurred or corners cut. Though my camera can take sharp photos. Sadly unusable for me.
β β βββDΖ°Ζ‘ng Quang HuyΒ· Aug 18, 2023
The UI completely ignores the UX. For most transactions to semd money, we always need to capture the successful screen with all the information including the correct amount of money and the beneficiary information. This app only shows a simple screen saying "successfully sent A amount of money", unusable. If we go back to the transaction lists to view the full information, then there our remaining balance information right on the screen as well. That's just really silly.
Google Play Rankings for Liobank - Digital Bank
This app is not ranked
Technologies used by Liobank - Digital Bank
Liobank - Digital Bank is requesting 0 permissions and we don't have library information (yet).
Trust & Safety: Liobank is backed by Orient Commercial Joint Stock Bank (OCB) and supervised by the State Bank of Vietnam, indicating a high-trust, bank-grade foundation. The dataset does not include requested-permissions details, so permissions safety cannot be assessed beyond the stated security-focused features (Incognito mode, card controls, and privacy options).
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