Liobank

OCB digital brand. State Bank of Vietnam. DIV. Fintech Farm stack. Not a separate SBV charter.

NeobankactiveVietnam

Rate this app

6.8Mixed
Alternatives

Our take

Desk verdict

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.

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.

Liobank lists Digital brand of Orient Commercial Joint Stock Bank (OCB). Not a separate SBV bank under State Bank of Vietnam in Vietnam. On safeguarding we currently write: 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.. Holder / issuer line: Orient Commercial Joint Stock Bank (OCB). An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Free-card pitch — confirm live; FX Bank tariff; ATM OCB / network; interest Savings pitch — rates move. This desk would open it for: Vietnam residents who want OCB in a lion app, not a second SBV licence.

What it does well: Named SBV bank behind the brand; DIV follows OCB; Same stack family as LeoBank — different country. What to watch: Vietnam-resident; Shared DIV cap with OCB; Fintech Farm is not the insurer. Desk score 6.8 / 10 (safety 7.4, fees 8.0, features 7.2, app 8.0). Last verified 2026-08-30. Headquartered in Ho Chi Minh City, Vietnam; founded 2022. None of this is advice — it is a file so you can read the entity before the card colour.

Best for: Vietnam residents who want OCB in a lion app, not a second SBV licence.

Pros

  • +Named SBV bank behind the brand
  • +DIV follows OCB
  • +Same stack family as LeoBank — different country
  • +Not a wallet

Cons

  • Vietnam-resident
  • Shared DIV cap with OCB
  • Fintech Farm is not the insurer
  • Directories invent a startup bank

Account facts

Partner bank
Orient Commercial Joint Stock Bank

How it actually works

Custody
Bank balance
Local rails
In-app ledger
Built for
Personal
Settlement
App-ledger instant; bank rails per corridor
Review risk
Bank-grade; still not freeze-proof
Pay surface
visa · physical · virtual · Google Pay

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.

Holder / issuer: 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 log
  1. Safety

    DIV cap restated — Circular 05/2026, VND 350m

    Liobank is OCB’s brand. SBV. Shared cap with OCB. Confirm live.

Available in

FAQ

01

Is 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.

02

How 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.

03

Where is Liobank available?

We list 1 market desk on the desk. Residency and onboarding rules still sit with Liobank.

04

Card and wallets?

visa · physical · virtual · Google Pay

Ratings and reviews

No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.

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Stars plus a short note. We publish after a desk read. “Verified user” is our tick, not yours.

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