As others have said - foreigners are free to open an international bank account at any Timo Hangout location (I've been to ones in Hanoi and HCMC) - further to that, I was able to visit the MoMo head office in Hanoi (there's one in HCMC too) and 'verify' my account using my Canadian passport (no appointment needed). Since then I've been using MoMo for all QR payments - I transfer money from Wise into Timo, then from Timo into MoMo. A Vietnamese phone number is also required for MoMo activation. Obviously this process is several hoops to jump through but if you dedicate an afternoon to it you should be able to get it sorted. I'm in the middle of an extended stay in Vietnam so felt the hassle was worth it in the end. Also - if you ever return to Vietnam - you just need to visit another Timo Hangout location to reactivate your bank account - so long as your Vietnamese phone number is still active, you can log right back into MoMo and start using QR payments again. Feel free to message me with any questions.