ZaloPay

Android · iPhone · API

Freedom report

Two barsScore 5.3

Free tierA free tier is on its own pricing page
Runs widely2 of 6 device platforms
DocumentedPlans, terms and facts published

ZaloPay is ranked #71 of 82 in money transfer apps on Freedom251, made by ZaloPay (Ho Chi Minh City, Vietnam). It runs on Android, API, iOS. There is a free plan.

ZaloPay plans and pricing

All plans

ZaloPay Free Free transfers between ZaloPay wallets; other transaction fees and limits vary by transaction type zalopay.vn · 11 Oct 2026

Compared on money transfer apps

Free plan: Yes

Best ZaloPay alternatives

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Two bars Wise Free tier No. 1Free8.2 One bar TransferGo Free tier No. 2Free8.1 Two bars Xe Money Transfer Free tier No. 3Free8.1 One bar Remitly Free tier No. 4Free8.0 Two bars Paysera Free tier No. 5Free8.0 Two bars Global66 Free tier No. 6Free7.8

The record

Transfer speed: instant
Exchange-rate model: variable
Mobile platforms: both
Upfront fee display: Yes
What it does: ZaloPay provides an e-wallet and payment services, including transfers, bill payments, online shopping, and entertainment payments.
Zalo integration: Users can transfer money to friends from a Zalo chat without installing a separate app for that action.
Transfer features: Wallet-to-wallet transfers can use a phone number, contacts, or QR code, and users can attach a message or greeting card.
Payment features: ZaloPay supports QR payments at merchant counters and online payments, including shopping and bill payment.
Merchant network: The site says ZaloPay supports hundreds of services and thousands of payment locations across Vietnam.
Bank links: The site lists support for linking multiple banks to one ZaloPay account, including Vietcombank, BIDV, Sacombank, and others.
Fees: The fee schedule lists free wallet-balance and linked domestic-bank payments, while some international-card transactions and transfers above a monthly free allowance incur fees.
Security: ZaloPay says it holds PCI DSS and ISO 27001 information-security certifications.
Privacy: ZION’s privacy policy says it processes personal data to provide services and identifies payment, account, transaction, and location information as sensitive data for licensed payment-intermediary services.
Support: Customer support is listed at 1900 545 436 and [email protected]; the site says the hotline costs 1,000 VND per minute.
Price from: Free

Where it ranks on Freedom251

Best Money Transfer Apps in 2026#71 of 82
Best Digital Wallet Apps in 2026#41 of 45

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Sources

zalopay.vn· checked 22 Sept 2026
zalopay.vn/dich-vu/chuyen-tien-vao-vi-zalopay· checked 11 Oct 2026
zalopay.vn/dich-vu/suc-khoe-y-te· checked 11 Oct 2026
zalopay.vn/quy-dinh/bieu-phi-su-dung-dich-vu-trung· checked 11 Oct 2026
zalopay.vn/quy-dinh/chinh-sach-bao-ve-quyen-rieng-· checked 11 Oct 2026
zalopay.vn/quy-dinh/quy-che-hoat-dong· checked 11 Oct 2026
docs.zalopay.vn/vi/docs/sdk/intro/· checked 11 Oct 2026
zalopay.vn/quy-dinh/huong-dan-giao-dich-an-toan-di· checked 11 Oct 2026
zalopay.vn/quy-dinh/chinh-sach-bao-ve-quyen-rieng-· checked 11 Oct 2026