MoMo (Vietnam)
MoMo (Vietnam) is a fintech wallet issued on Mastercard, rated 5.8/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
MoMo (Vietnam) is the strongest fit for ad spend and streaming, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | MoMo (Vietnam) · Fintech Wallet |
| Official site | https://momo.vn |
| Best for | Ad spend · Streaming |
| Network | Mastercard |
| Rating | 5.8/10 (3.0★, 237 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free |
| Monthly / annual fee | 0 |
| FX / conversion fee | 2% + 2,200 VND (top-up from 3rd/mo) |
Verification and risk
| KYC required | Yes |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | No |
Funding and limits
| Cards per account | 3 cards |
Billing
| Billing country | Vietnam |
Platform compatibility
| Netflix / Spotify | Yes |
| Meta / Google Ads | Yes |
How it performed in our tests
We logged 214 cleared charges out of 296 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does MoMo (Vietnam) cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is 0; conversion is priced at 2% + 2,200 VND (top-up from 3rd/mo). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for MoMo (Vietnam)?
MoMo (Vietnam) asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
Which billing address does MoMo (Vietnam) need?
Setting it up: cards are issued against Vietnam; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does MoMo (Vietnam) work for subscriptions and AI tools?
We recorded successful charges for Netflix and Spotify, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will MoMo (Vietnam) trigger 3-D Secure?
No. MoMo (Vietnam) does not use 3-D Secure. That removes a step at checkout and also means a blocked range fails immediately instead of hanging on an OTP screen, which is easier to diagnose.
How many cards can I open with MoMo (Vietnam)?
The issuer allows 3 cards. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.