MoMo

Android · iPhone

Freedom report

One barScore 5.2

Runs widely2 of 6 device platforms
DocumentedPlans, terms and facts published

MoMo is ranked #81 of 82 in money transfer apps on Freedom251, made by MoMo (Ho Chi Minh City, Vietnam). It runs on Android, iOS.

Compared on money transfer apps

Free plan: Yes
Transfer speed: instant
Mobile platforms: both
Upfront fee display: Yes
Transfer tracking: Yes

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The record

Product: MoMo is a mobile financial app offering an e-wallet, money transfers, payments, financial products and digital services.
Services: MoMo says it offers more than 200 services, including transfers, bill payments, mobile top-ups, tickets, shopping and in-store payments.
Spending management: The app can categorize transactions, track spending inside and outside MoMo, and provide spending reports.
Financial tools: The app describes a financial center that brings together funds, summarizes assets and liabilities, and provides reminders for bills and debts.
Integrations: MoMo says it is directly linked to more than 36 banks and supports Visa, Mastercard and JCB cards.
Security: MoMo says it holds PCI DSS Level 1, ISO 27001:2022 and ISO 27701:2019 certifications and uses TLS/SSL backed by GlobalSign.
Privacy: MoMo’s privacy policy says users may request access to or withdraw consent for certain personal-data processing, and can manage direct-marketing preferences in the app.
Support: Customer support is available by phone at 1900 5454 41 for 1,000₫ per minute, Monday to Friday excluding holidays, during the listed morning and afternoon hours.
Transaction limits: MoMo lists a monthly limit of 100,000,000₫ for personal wallet transfers and payments, with a separate limit of up to 300,000,000₫ per month for specified payment categories; the wallet balance cap is 200,000,000₫.
Fees: MoMo says it does not charge account setup or general usage fees, but charges fees for certain services and transactions.
Eligibility: MoMo says its privacy policy is not directed at children under 15; processing their personal data is handled through a legal representative as required by law.
Payments: MoMo provides e-wallet, collection and disbursement support, and electronic payment gateway services under a State Bank of Vietnam license.
Money management: The app can categorize transactions, track spending inside and outside MoMo, and show spending reports.
Financial overview: MoMo says its Financial Center consolidates money sources, assets, and amounts due, and can remind users about bills and balances.

Where it ranks on Freedom251

Best Money Transfer Apps in 2026#81 of 82

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Sources

momo.vn/chinh-sach-quyen-rieng-tu· checked 11 Oct 2026
momo.vn/hoi-dap/momo-co-nhung-dich-vu-gi· checked 11 Oct 2026
momo.vn· checked 11 Oct 2026
momo.vn/an-toan-bao-mat· checked 11 Oct 2026
momo.vn/dieu-khoan-dieu-le· checked 11 Oct 2026
momo.vn/sieu-ung-dung-momo· checked 11 Oct 2026
momo.vn/hoi-dap/cach-tai-vi-momo· checked 11 Oct 2026
momo.vn/hoi-dap· checked 11 Oct 2026