OCTO by CIMB 4.14.11

OCTO is a digital banking application developed by CIMB Bank, a leading banking group in ASEAN with 13 million customers across 15 countries. With OCTO, you can sign up for a CIMB VISA card directly within the app, granting you access to convenient digital banking services 24/7, anytime and anywhere.

1. GET YOUR VISA CARD ON APP 24/7

   Open your CIMB bank account or card 100% online using eKYC, an online customer verification system. Simply capture your ID card and take a selfie for instant card/account registration, without the need to visit a branch. This feature is available to all Vietnamese customers nationwide.

   • VISA DEBIT CARD: The CIMB Visa Debit card linked to your CIMB bank account allows you to enjoy various banking services free of charge.
   • VISA CREDIT CARD: The CIMB Visa Credit card enables you to shop worldwide and access attractive deals.

2. FREE SERVICES

   • VISA DEBIT CARD:
     • Free issuance of the card and opening of the account
     • 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 issuance of the card
     • Free annual card management fee (with conditions)
   • PERSONAL LOAN:
     • Free loan application processing
     • Free loan management fee

3. DIGITAL BANKING CONVENIENCE 24/7 – anytime, anywhere!

   • VISA DEBIT CARD:
     • Fast bill payment and phone top-up
     • Funding to your account within the app
     • Instant domestic money transfer 24/7
     • Card management and settings, including PIN code reset and card lock/unlock, directly within the app
     • Manage spending limits of up to 2 billion VND per day
     • International and domestic online and POS purchases
   • VISA CREDIT CARD:
     • Access card information and bank statements within the app
     • Card management and settings, including PIN code reset and card lock/unlock, directly within the app
     • Manage spending limits within the app
   • PERSONAL LOAN:
     • An end-to-end process from loan application to appraisal and disbursement directly within the app
     • Quick offer provided within 4 working hours
     • Transparent tracking of your application status within the app
     • No forms or signatures required until approval
     • Convenient loan contract signing
     • Loan amounts ranging from 5 million to 500 million VND
     • Loan tenures ranging from 3 to 60 months
     • Interest rates ranging from 1.3% to 3.75% per month on reducing balance
     • Minimum and maximum repayment periods of 12 months to 60 months
     • Maximum Annual Percentage Rate (APR) of 24.5% per year
     • Representative example of the total cost of the loan, including principal and applicable fees:

     • Example:
       i) Outstanding balance: 100,000,000 VND
       ii) Tenor: 60 Months
       iii) Interest Rate: 15.9% per year
       Equal Monthly Installment (EMI): ~ 2,427,000 VND

4. SECURITY FEATURES

   • SECURE SIGN IN WITH OCTOBIO:
     • Sign in using biometrics, including facial recognition and fingerprints
     • Easily sign in without the need to remember a password
   • SECURE TRANSACTION WITH OCTOSHIELD:
     • Activate OctoShield securely using SMS OTP (one-time password)
     • Simply slide to sign your transaction securely
     • Your transactions are protected by tokenization and a multi-layer authentication method
   • SECURE ONLINE PURCHASE WITH 3D SECURE:
     • Verify your online purchases using an 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 at the following addresses:

• 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: [email protected]
• Hotline: 1900 96 96 96