ChatPay from TPBank: When transferring money becomes just a 'paste'.

With its "paste to pay" feature, TPBank has revolutionized the way money is transferred.

Transferring money is no longer a dry or complicated transaction. With ChatPay on the TPBank app, every step becomes as easy and natural as sending a message. From a pioneering chat-style feature, ChatPay has become a habitual transaction for millions of users.

Transferring money is as easy as chatting, and even smarter.

Launched two years ago, ChatPay marked a turning point by bringing a chat-style interface to money transfers. Users can easily retrieve old transactions, total the amount transferred, or set nicknames for recipients to avoid confusion – all in a friendly, chat-like transaction space.

With the TPBank app, money transfers are not only as intuitive as chatting but also smarter thanks to AI.

The real breakthrough for ChatPay came when TPBank launched its "Paste to Pay" feature. Simply copy the message containing the money transfer information and paste it into ChatPay. The system will automatically understand, analyze, and fill in all the information: recipient's name, account number, amount, and transaction details.

Using natural language processing (NLP) technology, ChatPay can understand messages containing abbreviations, spelling errors, or natural syntax. Whether the user types "500K," "5 million," or "1,500,000," the application will understand and fill in the information correctly. The AI ​​on the TPBank app can also automatically calculate the total amount when there are multiple transfers in a message, making the transaction process faster, smoother, and more accurate.

This is considered one of the most practical AI applications in the digital finance sector in Vietnam, contributing to changing Vietnamese people's money transfer habits towards a smarter and more convenient approach.

Not only is ChatPay smart, but it also ensures safety and reliability thanks to the security features on the transaction confirmation screen, preventing the capture, editing, or falsification of money transfer images.

ChatPay touches the digital lifestyle with emotion.

Mr. Nguyen Hung, General Director of TPBank, shared: “We are not just creating a feature, but building a digital lifestyle that is easy, modern, and full of emotion. ChatPay is proof that banking technology can be approachable, personalized, and inspiring – instead of just a transaction tool.”

Beyond convenience, ChatPay also delivers an emotional experience in every transaction. From transferring money to online sellers and splitting the cost of meals with friends to sending birthday wishes – ChatPay has become an integral part of Vietnamese people's digital lives, where technology connects people more than ever. Along with the popularity of the reality music show "Em xinh Say Hi," TPBank has released a ChatPay greeting card set in a "Em Xinh" (Beautiful Girl) edition that has netizens swooning.

While ChatPay previously made its mark with its chat-based money transfer capabilities, users can now send cards featuring idols like Phuong Ly, Orange, and 52Hz, along with sweet messages like: "Orange sent you a cup of bubble tea!" Recipients – who also use ChatPay – will see the card appear directly in the chat window, transforming each financial transaction into a meaningful and emotionally resonant act.

A TPBank representative shared: "We want to transform these otherwise dry transactions into emotionally rich and meaningful moments." The combination of technology and emotion helps ChatPay solidify its position as a "true Xinhiu standard" – convenient and humane, embodying TPBank's "Ultimate Convenience, Ultimate Living" spirit.

This combination of technology and emotion has helped ChatPay affirm its "true Xinhiu standard" status and has been warmly received by young people.

Not only popular domestically, ChatPay has also made an international impact, being honored by The Asian Banker with the "Best Social Banking Initiative in Asia Pacific 2025" award. This award recognizes TPBank's pioneering efforts in harmoniously combining AI, emotion, and social aspects in digital finance, affirming its position as a leading innovative bank in the region.

With ChatPay, TPBank is not only changing how customers transfer money, but also redefining how banks connect with human emotions in the digital age.