What is moca? Overview of Moca wallet and usage

By Jade Vo | Wallet

Moca wallet

Whoever uses Grab to move or order food is no stranger to Moca wallets. But there are still many other features you probably haven't discovered yet.

In this article, I will talk more about Moca wallets and how to use Moca wallet services.

Moca is an electronic wallet designed for users exclusively for Grab applications in Vietnam.

Moca E-wallet belongs to technology and service corporation Moca. Founded in 2013 by a team of members who have worked at many important positions in Microsoft, Google ...

Moca wallet aims to be convenient and safe for users. The application has been licensed by the State Bank of Vietnam from February 25, 02.

General review of Moca wallet


Integrated in Grab app, convenient payment of daily consumer services.

Use integration with Grab, without downloading Moca app to your device.

  • Only support accounts using domestic phone numbers (+84).
  • Unable to top up the wallet if it's overseas.
  • No credit card support.

Instructions on how to use the Moca wallet

How to create a Moca wallet account

Option 1: You can use it with Grab without downloading it.

Option 2: Download the Moca wallet app to your phone.

Then perform the following steps:

  • Step 1: Enter the phone number and enter the SMS verification code sent to.
  • Step 2: Enter your full name and password.
  • Step 3: Enter Email and referral code (can be ignored).
  • Step 4: Link a bank card (you can do it right away or skip to do it later).

Account registration process is complete!

Guide to link banks with Moca wallets

Click the card icon in the right corner. After that, you can enter the card number manually or use the camera to scan the bank card number.

Enter the date printed on the card and the cardholder's name and then press continue to move to the next step.

Enter your ID or passport to register online and click register.

A confirmation OTP code from the bank is sent to you SMS. You receive the notice of successful card association.

Instruction for using Moca wallet

Used to pay

You can use Moca to pay with partners associated with Moca.

You just need to choose payment and then scan the code to pay.

Recharge the phone

Select the utility → Recharge phone → Select the phone number you want to top up in the contacts → Select the amount → Continue → Payment → Done.

Postpaid phone payment

Enter phone number → Enter amount → Continue → Payment.

The steps are extremely simple.

Pay the bill

You can pay your utility bills for cable TV with your Moca wallet.

Just enter the required information such as phone number, customer code ... to proceed to the payment step.


You can transfer money to others or ask them to transfer money for you.

Select transfer → Enter phone number or select in the directory → Enter amount → Write reason (optional).

Then, select the transfer option if you want to transfer the money to the recipient or select the request if you want to send the request to another person.

Note: The transfer amount must be at least VND 10.000 and the sender needs a Moca wallet account.

The addition or change of personal information

You can choose Personal → Personal information.

You can add some information: Email, address, province / city and click save.

How to add money to Moca wallet

You click Personal → E-wallet Moca → Deposit → Enter the amount of money deposited into the wallet → Click recharge → Done!

Note: The minimum transaction limit is VND 10.000 and the maximum is VND 2.000.000.

How to withdraw money from Moca wallet

Similar to the method of making deposits, you access the electronic wallet from the personal site site and choose to withdraw money.

Enter the amount you want to withdraw and press confirm to finish.

Note: The minimum transaction limit is VND 50.000 and the maximum is VND 2.000.000.

How to share Moca e-wallet

Brothers into Individuals → Share Moca.

You can copy the sharing code to send to friends or share directly via media such as Facebook, Messenger, Viber or SMS.

Sharing wallets with everyone you can get many offers from the company and the offers will vary from time to time.

Frequently asked questions about the Moca wallet

Is Moca wallet safe?

I answered yes! The wallet has been registered and licensed by the State Bank of Vietnam. So you rest assured use.

Has your Moca wallet been hacked?

Not yet

Are transactions via Moca wallet costly?

Depositing and transferring money from bank accounts, Moca wallets, and local bank cards is free of charge.

However, international cards like Visa, Master, JCB will lose 2% of the transaction value.

Brothers withdrawing money to banks such as VP Bank, ACB, Sacombank, Maritimebank, HDBank lost VND 2000 per transaction.

What is the maximum transaction limit of Moca wallet?

Brothers are allowed to trade up to 5.000.000 VND / transaction and up to 3 times / day.

Which banks are Moca affiliated with?

Currently, Moca is affiliated with 26 banks including Visa, MasterCard and JCB. The following Moca banks link:

  • ABBank
  • ACB
  • Agribank
  • Bac A Bank
  • BIDV
  • Eximbank
  • HDBank
  • MB
  • MSB
  • OSB
  • PVCOM Bank
  • Sacombank
  • Saigon Bank
  • SCB
  • SHB
  • Shinhan Bank
  • Techcombank
  • TP Bank
  • Ban Viet Bank
  • Vietcombank
  • Vietinbank
  • VP Bank
  • Show
  • Master Card
  • JCB
How to contact Customer Service department of Moca wallet?

You can call the call center to ask Customer Service for assistance in case of incidents: 028 7109 8588.

Or email [Email protected].

Besides, the brothers also have access Facebook fanpage of Moca and send a message to the admin.

Maybe you are interested in: What is MOMO wallet? All about MOMO wallet


Moca wallet is currently very popular in payment activities of daily consumption services such as ordering food through Grab or paying taxi or Grab bike charges.

In the future, I believe that Moca wallet will be used more widely and become a formidable opponent in the race to pay via e-wallets.

If you have any questions, don't hesitate to leave a comment at the end of the article. Me and the Coin98 team will answer for you as soon as possible.

Hello and see you again in the next article!

Jade Vo

Investing in your Knowledge is the most profitable investment.