Finhay (Finhay Vietnam JSC)

Finhay Vietnam JSC is a prominent, Hanoi-based digital wealth management and financial technology platform founded in 2017. As a pioneering fintech firm in Vietnam, it operates a popular digital ecosystem designed to make saving and micro-investing highly accessible. While the platform primarily targets a mass market of local retail users, its structured financial products and digital-first approach also offer practical utility for expatriates navigating the local financial landscape.

For international buyers and expatriates looking to purchase or manage residential property in Hanoi, Finhay provides several convenient tools to manage liquid capital and daily transactions. Through a strategic partnership with CIMB Bank Vietnam, users can open a digital account and obtain a co-branded Visa debit or credit card directly via the app, facilitating seamless local payments. Additionally, the platform allows users to park transitional funds in flexible micro-investment and savings products—such as the HayBond bond product, mutual funds, and local equities—or secure various personal insurance policies to protect their lifestyle in Vietnam.

As a mass-market platform primarily serving Vietnamese citizens, Finhay operates in Vietnamese and English, making its digital interface accessible to foreign residents. However, expatriates should note that accessing certain investment, banking, and credit features on the platform is subject to local regulatory frameworks, which often impose specific residency, visa, and documentation requirements on non-residents looking to open accounts or move capital in Vietnam.