timo.vn
need passport, vn mobile number.
there are a few steps that you need to take care:
1. sign up not more than one day before your departure. if you sign up too early, they will call you on your vn number to arrange kyc appointment. you dont want to pickup the call or you will incur international roaming charges.
2. upon your arrival in sg or hn, you can call their toll free number from your local mobile. because of caller id, they will know who you are immediately. you can make appointment for the same day about one hour or more ahead of time. they need time to print your atm card and prepare paperwork so dont show up without an appointment. once kyc is completed, you can pickup your atm card and pin number slip.
Hmmm why do we need a bank account in VN?

... still got 30mins before sunrise.