# BIDV SmartBanking vs OPES

The clearest difference is review sentiment: BIDV SmartBanking at 64% against OPES's 33%. BIDV SmartBanking also leads on iOS requirement (13.0 vs 15.6). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

BIDV SmartBanking ships an update every 2 weeks, OPES fortnightly. The most recent releases landed on October 15, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | BIDV SmartBanking | OPES |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (731 ratings)](https://appshunter.io/ios/app/bidv-smartbanking/id1061867449/reviews)** | — |
| Number of ratings | **731** | — |
| Positive reviews | **64.2% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Fortnightly |
| Monetization | Free | Free |
| Size | 781 MB | 153 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BIDV](https://appshunter.io/developer/483349917) | [OPES INSURANCE JOINT STOCK COMPANY](https://appshunter.io/developer/1440456585) |

## What reviewers say

### BIDV SmartBanking

[App page](https://appshunter.io/ios/app/bidv-smartbanking/id1061867449)

This digital banking app offers a personalized and seamless experience with an AI assistant for product recommendations and 24/7 chatbot support. It features automated investing, smart financial management tools, and a wide range of integrated lifestyle services, all secured with advanced authentication.

**Highlights:** AI assistant for personalized recommendations, 24/7 chatbot support, Automated investing for idle cash, Smart financial management tools, Integrated lifestyle services (bill pay, shopping), Secure login and transaction authentication

**Features:** Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 🔒 Secure and reliable
- 👍 User-friendly interface
- 💡 Innovative features
- 🛒 Convenient shopping and payment options

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🔍 Difficult account management
- 🕰️ Slow response times
- 💳 Excessive fees and charges
- 🤖 Poor customer support

**Reported bugs**

- Inability to create new accounts
- Inconsistent facial recognition
- Delayed SMS OTP delivery
- Sync issues between devices
- Unexpected app crashes

**Requested features**

- Biometric login options
- Improved transaction history
- Customizable notifications
- Integration with third-party services
- Enhanced security features


### OPES

[App page](https://appshunter.io/ios/app/opes/id1440456586)

This app offers a leading online platform for purchasing and researching insurance products in Vietnam. It provides personalized services and comprehensive protection plans at affordable prices, aiming to deliver a unique and energetic user experience.

**Highlights:** Online insurance purchase, Telematics technology integration, Locate nearby services, Promotions and rewards, Personalized services

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BIDV SmartBanking free?

BIDV SmartBanking is free to download, with no in-app purchases.

### Is OPES free?

OPES is free to download, with no in-app purchases.

### Do BIDV SmartBanking or OPES have ads?

Neither BIDV SmartBanking nor OPES shows ads.

### Which is updated more often, BIDV SmartBanking or OPES?

BIDV SmartBanking ships an update every 2 weeks, and OPES fortnightly. Most recently, BIDV SmartBanking was updated on October 15, 2026 and OPES on September 30, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*