MoMo
Vietnam's leading e-wallet for payments, transfers, and bill pay.
What MoMo is
MoMo is Vietnam's leading mobile e-wallet, used widely for payments, peer-to-peer transfers, bill payments, and topping up phones. For travelers spending time in Vietnam, it can replace carrying large amounts of cash, since many shops, restaurants, and services accept QR-code payment through it. It's deeply integrated into everyday local commerce.
What it does for travelers
- ✓Scan-to-pay QR payments accepted at a huge range of Vietnamese merchants
- ✓Send and receive money instantly with other MoMo users
- ✓Pay utility bills, mobile top-ups, and many services in-app
- ✓Buy tickets, vouchers, and book some local services
- ✓Transaction history for tracking spending
Good to know
- Designed for the Vietnamese market and typically requires a linked local bank account or card to fund the wallet
- Account setup usually needs a Vietnamese phone number and identity verification
- Requires an internet connection to send payments
- The interface is Vietnamese-first, though some English support exists
Tips from the road
- Funding MoMo can be the hard part for foreigners; it's easiest if you have a Vietnamese bank account or a local friend to help set it up
- Look for the MoMo QR sticker at counters to know it's accepted
- Keep some cash as backup, since smaller rural vendors may still prefer it
- Screenshot or note successful payment confirmations in case a merchant needs proof
When to reach for it
Use MoMo if you're staying in Vietnam long enough to set up local banking and want cashless QR payments that are accepted almost everywhere locally.
Travelers use MoMo in
MoMo — frequently asked
Can tourists use MoMo easily?
Setup is geared toward residents and usually needs a Vietnamese bank account and phone number, so short-term visitors often find funding it difficult without local help.
Is MoMo free to use?
The app itself is free; some transactions or services may carry fees, but everyday QR payments are generally free to the payer.
What can I pay for with MoMo?
Retail and restaurant purchases via QR, peer transfers, phone top-ups, utility bills, and various tickets and services across Vietnam.