What is Momo's bag of fortune? Is there a scam? Should you invest?

Recently, MoMo e-wallet has just launched a new feature – Momo God of Fortune to save money and be profitable has received a lot of attention from users. However, many people are still hesitant about this form of daily profitable investment. Follow Lamchutaichinh.vn to follow the following article to learn about the topic of Momo's bag of fortune!

What is the MoMo God of Wealth Bag?

MoMo electronics. This is a form of saving from the idle money that you have in the account as it generates profit by making profit every day.

What is Momo's bag of fortune?
What is Momo's bag of fortune?

For example, if you have an extra amount of money but do not intend to use it, you can deposit it into the God of Wealth Pocket to increase your passive income.

The profit earned after depositing money in the God of Fortune Pocket can be used to pay for all services on MoMo Wallet and you can also actively withdraw whenever you want, completely free and the interest received will remain the same.

Is MoMo's "scam" bag real?

With the great benefits when opening the MoMo God of Fortune bag, many people will feel worried or wonder: "Is the Momo Bag of Fortune safe, is it a scam or not?"

To answer this question, let's learn about the reputation of this application with Lamchutaichinh.vn! Momo is a leading provider of mobile e-wallet application services in Vietnam, cash transfer services at over-the-counter (OTC) and payment platforms.

MoMo God of Fortune Bag "cheat" is it true?
Is MoMo's "scam" bag real?

In the last funding round, MoMo's valuation surpassed the USD 2 billion mark, thereby becoming Vietnam's third technology "unicorn" after VNG and VNPAY.

Take a look at MoMo's cash inflow and outflow to see what they use your money for to get the correct answer.

First, let's see which companies are behind this MoMo Bag of Fortune feature.

See more: How to get rich at home

Which companies are behind the MoMo God of Wealth?

An interesting thing is that the God of Fortune Bag is opened on MoMo wallet, but MoMo is not the management unit or owner of the Than Tai Bag, but MoMo only acts as a payment intermediary, the product will be provided. actually by another organization.

Here are the 4 companies that control the entire operation of MoMo Than Tai Bag:

Finsight Co

Finsight is the founder and owner of the Momo God of Wealth Bag. This company cooperates and associates with MoMo to put the product of the Than Tai Bag on the MoMo application in order to reach a large number of customers who are using this e-wallet. Finsight Joint Stock Company (Finsight) has a charter capital of 100 billion VND.

Thien Viet Fund Management Company (TVAM)

Thien Viet Fund Management Joint Stock Company is Finsight's parent company and also directly uses your capital to invest. Specifically, Thien Viet Company will be responsible for managing the money that customers deposit into the MoMo Than Tai Bag for reinvestment by purchasing products such as deposits, bonds, deposit contracts and certificates of deposit.

TVAM is a name that is not too strange for models using personal capital that want to invest to increase profits.

Vietcombank bank

Vietcombank linked with Momo God of Fortune
Vietcombank linked with Momo God of Fortune

Joint Stock Commercial Bank for Foreign Trade of Vietnam – Vietcombank is the largest company on the Vietnamese stock market by market capitalization. So what role does Vietcombank play in MoMo's activities?

Vietcombank's task is to record all transactions of Thien Viet company on the stock exchange. In a simple way, to know where Thien Viet Fund Management Company will use customers' money to buy properties, Vietcombank will do that depository job to ensure maximum security and to reduce risk for customers.

Auditing firm EY

EY auditing firm, whose full name is Ernst & Young Global Limited, is a multinational professional auditing firm based in London, United Kingdom, established in 1992.

The role of Ernst & Young Global Limited is a 3rd party that checks the entire Finsight company's activities to prove that the company is completely transparent about the data.

Evaluate the strengths and limitations of the Momo God of Fortune


  • Registering to open the MoMo God of Fortune Bag is very easy, with only 10,000 VND can also help you make a profit every day.
  • Attractive interest rate up to 6%/year.
  • Easy to use, convenient to withdraw money from pocket to wallet at any time.
  • Support users in the direct payment feature right in the pocket of the fortune.
  • When you refer friends and relatives to open the MoMo God of Wealth Bag, you will receive gifts of great value from MoMo.


  • Maximum withdrawal limit: 1 million VND/day; 5 million VND/month.
  • The maximum deposit amount is limited to 20 million VND.

Where will the money investors put in the MoMo God of Wealth Bag go?

When users deposit money into the God of Wealth Bag, MoMo will transfer this money to Finsight company. After that, Finsight Company will hand over to Thien Viet Fund Management Company. With its team of experts, this company will bring money to buy assets on the Vietnamese stock market (deposits, certificates of deposit, deposit contracts and bonds).

Those assets will yield returns to this fund. Currently, Momo God of Wealth is committed to a profit of 6%/year. Therefore, this is a safe investment channel for users and there is no scam!

Instructions to register to open the Momo God of Fortune Bag

Instructions to open Momo's fortune bag
Instructions to open Momo's fortune bag

Here, Lamchutaichinh.vn will guide you how to open the Momo God of Fortune Bag, including the following operations:

  • Step 1: At the interface of the MoMo application screen, select the item "Bag Than Tai".
  • Step 2: Carefully read the instructions displayed on the screen, if you agree, select “Get Started”.
  • Step 3: You check the information in the contract (Full name, Date of birth, Phone number, ID card/CCCD) and select “I commit”… Then click “Open the magic bag”.
  • Step 4: Re-enter MoMo wallet password for authentication.
  • Step 5: Click the “Finish” button to complete opening the God of Fortune Bag on MoMo.
  • Step 6: Go back to the main interface of the Lucky Bag and make a money transfer by selecting “Deposit into the Bag”.
  • Step 7: Here, make sure that the amount you want to deposit into the Bag is already in the MoMo wallet and enter the amount you want to send based on the maximum limit of each customer.
  • Step 8: Finally, please confirm that the transaction has been successfully deposited into the MoMo God of Wealth Bag!

Instructions on how to deposit and withdraw money from Momo

How to deposit money into MoMo's Bag of Fortune

How to deposit money into MoMo's Bag of Fortune

  • Step 1: You choose "Transfer money into pocket" to make a deposit.
  • Step 2: Enter the amount you want to deposit
  • Step 3: In the payment information, select Funds source to deposit and press “Confirm” to complete the transfer.

Note: The total amount deposited into the Lucky Bag cannot exceed the maximum Bag limit.

How to withdraw money from MoMo

  • Step 1: Select “Withdraw money to MoMo wallet”
  • Step 2: Enter the amount to withdraw and select “Continue”.

The amount withdrawn from the Than Tai Bag will be transferred to your MoMo wallet account, from where you can withdraw money to your bank account without transaction fees.

The fastest way to pay for services with MoMo's fortune bag

  • Step 1: In the payment interface, section Money source, select “Change”.
  • Step 2: You choose the source of money from God of Wealth -> Select "Confirm", so you have completed the payment for the service with MoMo.

At what time does MoMo God of Fortune pay interest?

According to MoMo's terms, if you make a deposit today, you will be credited the next day and the next day you will receive interest because it takes time to wait for confirmation.

  • Money in pocket from Monday to Thursday: When you deposit money on Monday, you will be credited on Tuesday and Wednesday you will receive interest. Tuesdays, Wednesdays, and Thursdays are the same.
  • Money in pocket from Friday to Sunday: Deposits will be recorded on Monday and receive interest at 00h00 on Tuesday.

Note: You need to understand the principle of calculating the interest of the MoMo God of Fortune Bag to avoid mistakes and mistakenly think that the God of Fortune bag is a scam!

How to calculate MoMo's pocket interest rate

MoMo's current interest rate is a rather favorable interest rate for customers when the profit rate is up to 6%/year, higher than some banks In addition, Than Tai Bag is also charged with compound interest. by date.

The time principle of MoMo applied when depositing money into the God of Wealth Bag is:

  • In case of transferring money to the God of Wealth from Monday to Thursday: Interest will start to be calculated on the next working day.
  • In case of transferring money into the Lucky Bag from Friday to Sunday: Interest will start to be calculated on Monday of the following week.

Note: The profit in the God of Wealth Bag is calculated according to the compound profit: The rate of return is calculated on the total deposit and accrued interest.

An example of depositing 50 million of savings in the MoMo Magic Bag:

Sending deadlineAmount earned
1 day50,000,000 x (1 + 6%/365) = 50.008.219
one year50,000,000 x (1 + 6%/365)^365 = 53,091,566

Frequently asked questions about Momo God of Fortune

What is the maximum amount of money that can be sent to the MoMo God of Wealth Bag?

The Fortune Bag Limit is the maximum amount a user can deposit into the Fortune Bag for profit. New users opening the Bag of Fortune will be applied a limit of 20 million and you can also increase the limit to a maximum of 50 million.

Does the MoMo Fortune Bag scam investors?

This is a safe investment model that anyone can participate in. You can refer to MoMo's cash flow analysis information above to better understand.

Does the Than Tai bag have a commitment to profit?

Currently MoMo has a profit commitment, the profit is 6%/year, the interest rate is calculated on a daily basis. However, 6%/year for some people may be too low a number to consider for a financial investment.

What if Finsight goes bankrupt?

According to the provisions of Vietnamese law, the amount of money in your God of Wealth Bag has been deposited at Vietcombank and Finsight company will not be allowed to use this amount to repay the company. Don't worry too much because your money will be refunded.

How much money is required to invest in MoMo God of Wealth?

You only need to have from 1,000 VND to be able to load into the God of Wealth Bag.


Through the above article, Lamchutaichinh.vn has provided you with full information about MoMo God of Fortune bag with attractive offers on this application. Use the Bag of Fortune to immediately receive unexpected gifts. Good luck!

The article was edited by: Lamchutaichinh.vn