Payoo vs OCTO by CIMB Vietnam Utilisation & Stats

The application allows you to make payment for many utility services such as electricity, water, Internet, telephone, mobile phone. By using the application, you can manage all of your bills through one and only account; make online payment or cash payment during 24 hours per 7 days. Main functions: ● Query loan information from Customer ID, Service Type and Service Provider ● Payment for prepaid services (Prepaid mobile phone, …) ● Payment for postpaid services (Electricity, Water, Phone, Internet, Cable TV,…) ● Payment using Domestic bank card, International payment card ● Finding stores that provide cash payment for all of the services Sub functions: ● Stores searching by name, address ● Stores arranged in order from closest to farthest by using GPS function

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OCTO by CIMB Vietnam

OCTO - a Digital Bank application developed by CIMB Bank, a leading banking group in ASEAN with 13 million customers across 15 countries. Sign up for CIMB VISA card right in the app to enjoy the digital banking convenience 24/7 anytime and anywhere. 1. GET YOUR VISA CARD ON APP 24/7 Open your CIMB bank account/ card 100% online with eKYC – the online customer verification. User only need to capture ID card, take selfie for card/account registration anytime and anywhere without visiting the branch. Applicable to all Vietnamese customers nationwide. - VISA DEBIT CARD – CIMB Visa Debit card that linked to CIMB bank account let you enjoy various banking services free of charge - VISA CREDIT CARD - CIMB Visa Credit card allows you to shop across the globe with many good deals 2. FREE SERVICES VISA DEBIT CARD - Free card issuance and account opening - No minimum sum required to open an account - No minimum balance required - Free domestic fast money transfer 24/7 - Free domestic ATM withdrawal - Free annual card and account management fee with conditions VISA CREDIT CARD - Free card issuance - Free annual card management fee with conditions 3. DIGITAL BANKING CONVENIENCE 24/7 – anytime, anywhere! VISA DEBIT CARD - Fast bill payment and phone top-up - Funding to your account on app - Instant domestic money transfer 24/7 - Card management and setting, reset PIN code and lock/ unlock card on app - Manage spending limits up to 2 billion VND per day - International and domestic online and POS purchases VISA CREDIT CARD - Look up card information and bank statement on app - Card management and setting, reset PIN code and lock/ unlock card on app - Manage spending limits on app 4. SECURITY FEATURES SECURE SIGN IN WITH OCTOBIO - Sign in with biometrics including facial recognition and fingerprint - Easily sign in without remembering the password SECURE TRANSACTION WITH OCTOSHIELD - Activate OctoShield 1 time only via SMS OTP - Just slide to sign your transaction securely - Your transaction is protected by tokenization, multi-layer authentication method SECURE ONLINE PURCHASE WITH 3D SECURE - Verify your online purchases via OTP code sent to your registered mobile number and email - The 3D Secure solution is provided by Visa For support, please contact: CIMB Bank Vietnam Headquarters: Level 2, CornerStone Building, 16 Phan Chu Trinh, Hoan Kiem, Hanoi HCM Branch: Ground Floor, VRG Building, 177 Hai Ba Trung, District 3, HCMC. Email: cimbcare@cimb.com Hotline: 1900 96 96 96