# VietCredit vs HDBank

The clearest difference is rating: HDBank at 3.7 against VietCredit's 1.6. HDBank also leads on ratings volume (101 vs 24). VietCredit's advantage is review sentiment (45% vs 34%). 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.

HDBank holds the better App Store score, 3.7 against 1.6. Both are backed by a comparable volume of ratings — 24 and 101 respectively. Written reviews complicate that: 45% of VietCredit's written reviews are positive against 34% of HDBank's, so the app with the better star average is not the one people write more warmly about.

VietCredit ships an update monthly, HDBank fortnightly. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | VietCredit | HDBank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.6 (24 ratings)](https://appshunter.io/ios/app/vietcredit/id1381303919/reviews) | **[3.7 (101 ratings)](https://appshunter.io/ios/app/hdbank/id1461658565/reviews)** |
| Number of ratings | 24 | **101** |
| Positive reviews | **44.8% of reviews** | 34.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Free | Free |
| Size | 106 MB | 644 MB |
| Requires iOS | 15.1 | **14.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [VietCredit Finance Joint Stock Company](https://appshunter.io/developer/1381303918) | [Ho Chi Minh City Development Joint Stock Commercial Bank](https://appshunter.io/developer/1304901616) |

## What reviewers say

### VietCredit

[App page](https://appshunter.io/ios/app/vietcredit/id1381303919)

Manage your credit card with ease, including activation, transaction tracking, and PIN management. Enhance security with biometric login and Smart OTP authentication. Access financial flexibility and support for your credit card needs.

**Highlights:** Credit card management, Card activation and status updates, Online payment control, Transaction lookup and balance check, ATM PIN management, Biometric login (fingerprint/face), Smart OTP authentication

**Features:** Vision Pro support

**In-app purchases:** none


### HDBank

[App page](https://appshunter.io/ios/app/hdbank/id1461658565)

Manage your personal finances quickly, securely, and conveniently with this modern banking app. It offers biometric login, QR code payments, virtual assistant support, and various transaction services.

**Highlights:** Biometric login (fingerprint, face, PIN), QR code payments (VNPAY-QR), Virtual assistant (chatbot) support, Stock market information, Flight booking and payment, Account balance and transaction history, Money transfer services

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

**In-app purchases:** none


## Frequently asked questions

### Is VietCredit free?

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

### Is HDBank free?

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

### Which has better reviews, VietCredit or HDBank?

HDBank is rated higher. VietCredit averages 1.6 out of 5 from 24 ratings, while HDBank averages 3.7 from 101 ratings.

### Do VietCredit or HDBank have ads?

Neither VietCredit nor HDBank shows ads.

### Which is updated more often, VietCredit or HDBank?

VietCredit ships an update monthly, and HDBank fortnightly. Most recently, VietCredit was updated on October 24, 2026 and HDBank on October 29, 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.*