Vietnam
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- HQ
- London
- Fee
- Free personal
Liobank
OCB digital brand. State Bank of Vietnam. DIV. Fintech Farm stack. Not a separate SBV charter.
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6.8Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — Digital brand of Orient Commercial Joint Stock Bank (OCB). Not a separate SBV bank (State Bank of Vietnam). Still read the entity on the statement.
If it fails?
Deposit Insurance of Vietnam on eligible deposits at OCB — Circular 05/2026 restated the live cap (VND 350 million from July 2026). Shared with other OCB deposits. Confirm DIV membership on the live legal pages.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Free-card pitch — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.8
/10 · Mixed
Liobank is a brand of Orient Commercial Joint Stock Bank. SBV. DIV on eligible OCB deposits — Circular 05/2026 put the live cap at VND 350 million from July 2026; confirm. Fintech Farm owns the lion. LeoBank in Baku is Unibank. Same coat of paint, different charter. Keep VND salary at OCB.
What it is
Ho Chi Minh City. App Store id 6444787281 on the Vietnamese store. Directories misspell it Lio Bank and invent a licence. The OCB word is the review.
Best for: Vietnam residents who want OCB in a lion app, not a second SBV licence.
Last checked 2026-08-30. Not advice.
What it does well
- +Named SBV bank behind the brand
- +DIV follows OCB
- +Same stack family as LeoBank — different country
- +Not a wallet
What to watch
- −Vietnam-resident
- −Shared DIV cap with OCB
- −Fintech Farm is not the insurer
- −Directories invent a startup bank
Who holds the money
The account
- Partner bank
- Orient Commercial Joint Stock Bank
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Liobank lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Deposit Insurance of Vietnam on eligible deposits at OCB — Circular 05/2026 restated the live cap (VND 350 million from July 2026). Shared with other OCB deposits. Confirm DIV membership on the live legal pages.
Who holds the money: Orient Commercial Joint Stock Bank (OCB)
- State Bank of VietnamDigital brand of Orient Commercial Joint Stock Bank (OCB). Not a separate SBV bank · Vietnam
Fees
- Monthly
- Free-card pitch — confirm live
- FX markup
- Bank tariff
- ATM
- OCB / network
- Interest
- Savings pitch — rates move
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- –Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- VND digital current / card
- DIV via OCB
- Fintech Farm stack
- SBV parent bank
- Not a startup charter
Score
- Safety25%
- 7.4
- Fees20%
- 8.0
- Features15%
- 7.2
- App15%
- 8.0
- Global15%
- 3.0
- Support10%
- 6.4
Change log
Full logSafety
DIV cap restated — Circular 05/2026, VND 350m
Liobank is OCB’s brand. SBV. Shared cap with OCB. Confirm live.
Available in
Straight answers
FAQ
01Is Liobank a bank?
Liobank holds a banking-style licence (State Bank of Vietnam). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Deposit Insurance of Vietnam on eligible deposits at OCB — Circular 05/2026 restated the live cap (VND 350 million from July 2026). Shared with other OCB deposits. Confirm DIV membership on the live legal pages.
03Where is Liobank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Liobank.
04Card and wallets?
Liobank lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Liobank remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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