# BIDV Smart OTP vs VCB DigiBiz

The clearest difference is review sentiment: BIDV Smart OTP at 59% against VCB DigiBiz's 0%. VCB DigiBiz's advantage is rating (3.2 vs 1.4). On price, ratings volume, update cadence and ads there is nothing between them.

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

VCB DigiBiz holds the better App Store score, 3.2 against 1.4. Both are backed by a comparable volume of ratings — 16 and 6 respectively. Written reviews complicate that: 59% of BIDV Smart OTP's written reviews are positive against 0% of VCB DigiBiz's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on November 2, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | BIDV Smart OTP | VCB DigiBiz |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.4 (16 ratings)](https://appshunter.io/ios/app/bidv-smart-otp/id1406211054/reviews) | **[3.2 (6 ratings)](https://appshunter.io/ios/app/vcb-digibiz/id1592900514/reviews)** |
| Number of ratings | **16** | 6 |
| Positive reviews | **58.9% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 46 MB | 181 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BIDV](https://appshunter.io/developer/483349917) | [Vietcombank JSC](https://appshunter.io/developer/944568123) |

## What reviewers say

### BIDV Smart OTP

[App page](https://appshunter.io/ios/app/bidv-smart-otp/id1406211054)

This mobile security application generates authentication codes for online banking transactions. It offers a convenient, token-free experience, supports high-limit transactions, and is easy to set up and use. It functions even without a mobile signal.

**Highlights:** Generates transaction authentication codes, Mobile-based security, Supports high-limit transactions, Easy registration and setup, Works without mobile signal

**Features:** macOS Compatibility

**In-app purchases:** none


### VCB DigiBiz

[App page](https://appshunter.io/ios/app/vcb-digibiz/id1592900514)

This digital banking service facilitates essential financial transactions for businesses, offering anytime, anywhere access. It supports account inquiries, money transfers, bill payments, and secure authentication methods.

**Highlights:** Account information inquiry, Money transfer (internal/external), Scheduled and recurring transfers, Bill payments, Secure transaction authentication, Customizable transaction limits, Real-time account alerts

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BIDV Smart OTP free?

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

### Is VCB DigiBiz free?

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

### Which has better reviews, BIDV Smart OTP or VCB DigiBiz?

VCB DigiBiz is rated higher. BIDV Smart OTP averages 1.4 out of 5 from 16 ratings, while VCB DigiBiz averages 3.2 from 6 ratings.

### Do BIDV Smart OTP or VCB DigiBiz have ads?

Neither BIDV Smart OTP nor VCB DigiBiz shows ads.

### Which is updated more often, BIDV Smart OTP or VCB DigiBiz?

BIDV Smart OTP ships an update every 2 months, and VCB DigiBiz every 2 months. Most recently, BIDV Smart OTP was updated on November 2, 2026 and VCB DigiBiz on November 7, 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.*