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Hanoi pays by code — cafés, markets, taxis. There are two ways to scan one:
Moreta PayYour home card pays the code
Local bankTimo or TPBank, with a Visa debit card
Relying on foreign cards and ATM cash costs about 1,165,000₫/mo in fees and FX markup (~5 ATM runs/month).
Moreta PayBest fit ★
Once you have a local number, MoMo and ZaloPay unlock more than plain VietQR scanning — splitting bills, sending money to friends, and paying utility bills.
MoMoVietnam's most-used e-wallet — pay VietQR codes, split bills, top up phone credit, and pay utility bills.
ZaloPayBuilt into the Zalo messaging app most locals already use — handy for sending money to friends and landlords.
Requirements vary by bank and branch — this list is for preparation only, not a substitute for checking with the branch directly.
Searchly concierges guide your account setup and paperwork, free of charge.
