TheBank
TheBank (thebank.vn) is a Hanoi-based financial product comparison and advisor-matching platform operating in Vietnam under parent SAMO. It aggregates 1,247+ insurance, credit card, loan, savings, and mutual fund products and refers Vietnamese consumers to licensed advisors and product partners in exchange for affiliate commissions.
- Company typePrivate
- Founded2016
- HeadquartersHanoi, Vietnam
- Headcount101–250
- GTM typeB2C
- OfferingDigital Commerce or Content
What TheBank does
TheBank (thebank.vn), incorporated in 2016 and headquartered in Hanoi, Vietnam, operates Vietnam's first dedicated financial community platform - a web- and mobile-based comparison marketplace that aggregates and compares 1,247+ financial products across 11 categories, including life, health, travel, car, home, and critical-illness insurance; credit cards; unsecured, mortgage, and other consumer loans; savings accounts; and mutual funds. The platform is operated by SAMO (Công Ty Cổ Phần Công Nghệ Và Truyền Thông Samo) under operating license No. 259/GP-BTTT issued by the Ministry of Information and Communications on 20 May 2016, and includes the Momi SmartLife mobile application (iOS and Android), free advisor-matching within 2 hours of a consultation request, financial calculators (savings interest, loan repayment, borrowing capacity), and locator tools (ATMs, bank branches, insurance offices). Reported platform metrics include 2,634,938 monthly visits, 644,524 customers served, and approximately 200,000 active consumer leads awaiting advisor consultation.
The company runs a two-sided model serving individual Vietnamese consumers seeking financial products on one side and licensed financial advisors, insurance agents, and product providers on the other. Its revenue is generated primarily through affiliate and referral commissions from product placements - including insurance partners such as Manulife, Bảo Việt Nhân Thọ, Prudential, Dai-ichi Life, Sun Life, Generali, Hanwha Life, Chubb, Fubon Life, Shinhan, and MB Ageas, plus embedded loan links for F88 (motorbike registration loans) and Lotte Finance (cash loans). A secondary revenue stream comes from subscription or membership fees that financial advisors and agents pay to access TheBank's customer lead database via the Momi DFA (Direct Financial Advisor) program. TheBank raised a $5,000,000 Series A from UOB Venture in October 2021, following an earlier 2019 round led by CyberAgent Capital and NCore Ventures, and is led by founder and CEO Dat Nguyen.
TheBank firmographics
Firmographics- Name
- TheBank
- Legal name
- Công Ty Cổ Phần Công Nghệ Và Truyền Thông Samo
- Website
- https://thebank.vn
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- TheBank (thebank.vn) is a Hanoi-based financial product comparison and advisor-matching platform operating in Vietnam under parent SAMO. It aggregates 1,247+ insurance, credit card, loan, savings, and mutual fund products and refers Vietnamese consumers to licensed advisors and product partners in exchange for affiliate commissions.
- Ownership category
- akta.pro rank
TheBank industry classification
Industry- Product category
- Financial Services Comparison Marketplace
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Lead Generation, Comparison & Marketplace Platforms (Financial Products) (FSAEAMAM)
- akta.pro secondary industry
- Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)
Keywords
Where TheBank is headquartered
LocationHeadquarters
- HQ city
- Hanoi
- HQ country
- Vietnam
- HQ region
- Asia
Offices1 record
Markets served
TheBank business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Lead Generation / Referral Commissions: TheBank generates revenue by referring customers seeking financial products (insurance, loans, credit cards, savings) to financial advisors and financial service providers. The platform receives referral fees or commissions when customers are matched with advisors or purchase products through the platform. Partners mentioned include F88 (motorbike registration loans), Lotte Finance (cash loans), and insurance companies.
- Advisory Service Registration Fees: Financial advisors pay membership fees to access customer leads and profiles on the platform. The site mentions a pricing page for viewing customer profiles ('Bảng giá xem hồ sơ khách hàng').
- Insurance Partner Commissions: The platform drives customers to insurance products from partner companies (Manulife, Bảo Việt Nhân Thọ, Prudential, Dai-ichi Life, Sun Life, Generali, Hanwha Life, Chubb, Fubon Life, Shinhan, MB Ageas) and earns commissions for referred sales.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free consultation for consumers |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
TheBank product offering
Product offeringCore offering
TheBank operates a digital financial services comparison and advisory platform that aggregates insurance (life, health, travel, car, home, critical illness), credit cards, secured and unsecured loans, savings accounts, and securities products from multiple Vietnamese providers. The platform connects individual consumers seeking financial products with a network of financial advisors and insurance agents, providing free consultation matching (typically responded to within 2 hours), comparison tools, financial calculators, and educational content through its website and the Momi SmartLife mobile app.
Product overview
TheBank is Vietnam's first financial community platform offering a comprehensive financial services comparison marketplace. The platform operates as a multi-product financial advisory portal connecting users with products across insurance (life, health, travel, car, home, critical illness), credit cards, loans (secured and unsecured), savings accounts, and securities. The ecosystem includes the Momi SmartLife mobile app, free financial advisory consultation services connecting users with certified advisors, financial calculators, and locator tools. The platform aggregates products from multiple providers and enables comparison and purchase through both web and mobile channels.
Differentiator
Problem solved
Functional benefit
Brands
- TheBank: Vietnam's first financial community platform providing comparison and advisory services for insurance, credit cards, loans, and savings products
- Momi
- Momi DFA
Products and services
- Insurance Comparison Platform Comparison and routing offering aggregating life insurance (138 products), health insurance (53 products), travel insurance (87 products), car insurance (18 products), home insurance (4 products), and critical illness insurance (13 products) from multiple Vietnamese providers, allowing users to compare terms and request free advisor consultation.
- Credit Card Comparison Comparison offering that aggregates 224 credit card products across Vietnamese issuing banks with details on benefits, rewards programs, and fees, supporting consumer selection and advisor-matched applications.
- Loan Comparison Comparison offering that aggregates secured loans (including home mortgage with 455 products, car loans) and unsecured loans (137 products) covering personal, consumer, installment, business, and education loan categories, supporting rate comparison and advisor-matched applications.
- Savings Account Comparison Comparison offering that aggregates 43 savings and deposit products from Vietnamese banks, allowing users to evaluate deposit rates and conditions for short- and long-term savings.
- Investment Fund Comparison Comparison offering covering mutual fund certificates (chứng chỉ quỹ) and securities products, supporting evaluation of investment fund options including those linked to insurer partner products such as Generali's VITA – Cho Con.
- Financial Advisory Services Free consultation matching service that connects Vietnamese consumers with certified financial advisors covering insurance, credit cards, loans, savings, and securities products; advisors contact the consumer typically within 2 hours of request submission, and the platform monetizes via advisor membership fees and downstream referral commissions.
- Momi SmartLife Mobile App Mobile application available on iOS (App Store id1552815424) and Android (Google Play com.samojsc.momi.smartlife) providing on-the-go access to TheBank's financial product comparison and advisory consultation services, with dedicated flows for advisor registration and customer lead management.
Quantifiable outcome
- TheBank reported 2,634,938 monthly visits and 644,524 customers served through its consultation platform.
- +1 more outcomes
Companies that use TheBank
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
TheBank technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
TheBank partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor and core.
- F88minorF88 is a motorbike registration loan provider. TheBank embeds F88 partner links on its website, generating referral commissions when customers apply for F88 loans through the platform. URL format in source: https://doitac.f88.vn/?partner_code=SAMO
- Lotte FinanceminorLotte Finance is a consumer finance company offering fast cash loans. TheBank embeds Lotte Finance loan application links, earning referral fees when customers complete applications through the platform. URL format in source: https://vay.lottefinance.vn/vaynhanh5/
- Hanwha Life VietnamminorHanwha Life Vietnam is featured as a financial partner on TheBank's homepage. TheBank drives traffic and leads to Hanwha Life insurance products and earns referral commissions for matched customers.
- Sun Life VietnamminorSun Life Vietnam is featured as a financial partner on TheBank's homepage. TheBank drives traffic and leads to Sun Life insurance and retirement products, earning referral commissions for matched customers.
- VietinBank (Ngân hàng TMCP Công thương Việt Nam)minorVietinBank is featured as a financial partner on TheBank's homepage. TheBank includes VietinBank among its banking partners, likely referring customers for banking products.
- SAMO (Công Ty Cổ Phần Công Nghệ Và Truyền Thông Samo)coreTheBank is operated by SAMO (Công Ty Cổ Phần Công Nghệ Và Truyền Thông Samo), which also operates related brands including Samogroup.vn, Momi.vn, Thebankassurance.vn, and the Momi SmartLife app ecosystem.
- ePassminorePass and SAMO (TheBank's parent company) collaborated to launch the 'Thẻ Bạn Đường' (Travel Companion Card) product, integrated with insurance benefits for car owners. The card offers discounts on insurance products for cardholders, marking the first time multiple insurance lines were integrated into a single card product.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
TheBank competitors and assessment
Company assessmentRegional players
- Seedly: Seedly is a Singapore-based personal finance content and comparison community covering credit cards, insurance, investments and loans. It overlaps with TheBank's content-marketing-led acquisition approach and product comparison scope, but focuses on Singapore.
- MoneyHero (formerly Money101): MoneyHero is a Greater Southeast Asia financial product comparison platform operating in Hong Kong, Singapore, the Philippines and Taiwan. It is comparable to TheBank in monetization (affiliate/lead-gen) and product categories, though anchored in different SEA markets.
- MoneySmart (CompareAsia): MoneySmart operates across Singapore, Hong Kong and other SEA markets as a financial product comparison platform covering credit cards, loans and insurance, earning commissions from partner financial institutions. It is comparable to TheBank in business model and category breadth, but serves different geographies.
- Moneymax: Moneymax is a Southeast Asia financial comparison and advisory platform covering credit cards, loans and insurance across Singapore, the Philippines and Thailand. It shares TheBank's lead-generation model and product breadth but operates in different SEA geographies.
Direct peers
- iSelect: iSelect is an Australia-based comparison platform for insurance, credit cards, loans and utilities that earns revenue by referring customers to providers. Its scope of products and advisor-led conversion mechanism make it a close structural twin of TheBank.
- BankBazaar: BankBazaar is an India-based financial product comparison and advisory marketplace for credit cards, loans and insurance, with a free advisor-callback funnel that closely mirrors TheBank's consumer-to-advisor lead-generation model.
- GoCompare: GoCompare is a UK-headquartered financial comparison marketplace covering insurance, credit cards, loans and savings, operating on a lead-generation/affiliate revenue model that is structurally identical to TheBank's monetization approach.
Broad incumbents
- LendingTree: LendingTree is a US-listed online loan marketplace that connects consumers with multiple lenders across mortgage, personal and small-business credit. It shares TheBank's loan comparison and lead-generation DNA but operates as a much larger, broader incumbent with US-heavy exposure.
- NerdWallet: NerdWallet is a US personal finance content and comparison platform spanning credit cards, loans, insurance and banking. Its content-led SEO acquisition strategy and affiliate revenue model closely mirror TheBank's playbook, though at significantly larger scale and primarily serving US consumers.
- Credit Karma (Intuit): Credit Karma, now part of Intuit, is a large-scale financial product comparison and recommendation platform with credit-card, loan and insurance verticals. It is comparable as a broad incumbent in the comparison/referral space rather than as a direct SEA competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
TheBank social profiles
Digital presenceTheBank financial estimates
Financial estimateRevenue estimate
Valuation estimate
TheBank leadership team
Management profileNumber of profiles
Profiles1 record
TheBank subsidiaries and ownership
Company hierarchySubsidiaries3 records
TheBank funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TheBank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TheBank
What does TheBank do?
TheBank operates a digital financial services comparison and advisory platform that aggregates insurance (life, health, travel, car, home, critical illness), credit cards, secured and unsecured loans, savings accounts, and securities products from multiple Vietnamese providers. The platform connects individual consumers seeking financial products with a network of financial advisors and insurance agents, providing free consultation matching (typically responded to within 2 hours), comparison tools, financial calculators, and educational content through its website and the Momi SmartLife mobile app.
Is TheBank a public or private company?
TheBank is a private company. It is classified as corporate owned and is currently operating.
When was TheBank founded?
TheBank was founded in 2016. It employs 101 to 250 people.
Where is TheBank based?
TheBank is headquartered in Hanoi, Vietnam, in the Asia region.
How does TheBank make money?
Three revenue lines are on record. Lead Generation / Referral Commissions are the primary driver. The others are advisory Service Registration Fees and insurance Partner Commissions.
Who are TheBank's main competitors?
Regional players on record are Seedly, MoneyHero (formerly Money101), MoneySmart (CompareAsia) and Moneymax. Direct peers are iSelect, BankBazaar and GoCompare. Broad incumbents are LendingTree, NerdWallet and Credit Karma (Intuit).
Does TheBank have an API?
No public API is recorded for TheBank.
What industry is TheBank in?
TheBank's product category is Financial Services Comparison Marketplace. Its primary akta.pro industry code is FSAEAMAM, Lead Generation, Comparison & Marketplace Platforms (Financial Products), with a secondary code of FSALABAJ, Mortgage Comparison, Marketplace & Rate-Shopping Platforms. Its NAICS code is 5223 and its SIC code is 6282.