Comparison

SACOMBANK PAY vs HDBank

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SACOMBANK PAY

Manage your finances with a modern, secure, and convenient app. Enjoy free transactions, easy bill payments, and quick access to banking services like savings and loans. Update your personal information securely and redeem loyalty points for rewards.

Highlights
  • Free 24/7 transactions
  • Biometric and Smart OTP security
  • QR code and Apple Pay integration
  • Account balance and statement viewing
  • Open savings, apply for loans
  • Update personal information
  • Bill payments and top-ups
Features
Read full description

Welcome to SACOMBANK PAY – the modern and ultra-convenient financial management app that makes your life easier and more enjoyable! With a friendly and customized design, you will love the secure transaction space tailored just for you! Key Highlights: - Enjoy free transactions 24/7, fast and free with a limit of up to 50 billion VND/day! - Absolute Security! Biometric technology and Smart OTP keep your transactions safe. - Exciting Payments! Scan domestic and international QR codes, or integrate your card to Apple Pay in a flash! - Easy Financial Management! Check your balance, view statements and fund deposit alert sharing with up to 5 current accounts. - Convenient Banking Services! Open savings, apply for Loans with disbursement in just 5 minutes, and quickly open current accounts and get your cards issued! - Flexible personal information updates! Update your details using a chip-based ID card/national ID or via a VNeID electronic identification account. - Diverse Payment Ecosystem! Pay bills, top up, book tickets… all in one fabulous app! - Redeem SACOMBANK Sapphire points for even more exciting incentives! Then what are you waiting for? Download or update the app now, complete your online authentication and start your amazing journey right away!

About

HDBank

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
Read full description

HDBank Mobile Banking là ứng dụng trực tuyến do HDBank phát triển, cam kết mang đến cho khách hàng những trải nghiệm dịch vụ ngân hàng hiện đại. Quý Khách hàng chỉ cần cài đặt ứng dụng để quản lý tài chính cá nhân một cách nhanh chóng, an toàn và tiện lợi mọi lúc mọi nơi. Các tính năng chính của ứng dụng: - Đăng nhập ứng dụng dùng sinh trắc học: vân tay, khuôn mặt hoặc dùng mã PIN. - Thanh toán tiện lợi bằng QRPay tại hơn 50.000 cửa hàng, website chấp nhận thanh toán bằng mã VNPAY – QR. - Trợ lý ảo (Chatbot) hỗ trợ hiệu quả các giao dịch trên ứng dụng thông qua giọng nói hoặc từ khóa. - Thông tin thị trường chứng khoán. - Đặt và thanh toán vé máy bay của 30 hãng hàng không trong nước và quốc tế. - Tích hợp phương thức xác thực HDBank OTP vào ứng dụng để đem lại sự tiện lợi, an toàn cho khách hàng khi xác thực giao dịch. Đồng thời đáp ứng yêu cầu bảo mật của Ngân hàng nhà nước. Các chức năng Quản lý tài chính: - Truy vấn thông tin tài khoản: Tài khoản thanh toán, Tài khoản tiết kiệm, Tài khoản vay, Tài khoản thẻ tín dụng. - Thực hiện giao dịch chuyển tiền: Chuyển tiền trong HDBank, Chuyển tiền ngoài HDBank (tự động chuyển tiền nhanh 24/7 đến các ngân hàng tham gia hệ thống NAPAS ), Chuyển tiền nhanh qua thẻ. - Dịch vụ thanh toán: Hóa đơn sinh hoạt, Dịch vụ vận chuyển, Thanh toán khoản vay... - Được trải nghiệm đặc quyền “0 phí” của tài khoản HDBank e-SkyOne: Miễn phí chuyển khoản, Miễn phí duy trì tài khoản, Miễn phí dịch vụ eBanking, Không yêu cầu số dư bình quân. Các tiện ích khác: - Tìm kiếm Chi nhánh/ Phòng giao dịch, ATM. - Xem thông tin sản phẩm dịch vụ, ưu đãi dành cho khách hàng, thông tin lãi suất. - Và nhiều tiện ích khác. HDBank Mobile Banking liên tục được đổi mới và hoàn thiện nhằm tối ưu hóa sự tiện lợi dành cho khách hàng. Hãy tải và đăng ký HDBank Mobile Banking ngay hôm nay để trải nghiệm các dịch vụ tài chính hiện đại, đẳng cấp. Hội sở chính: 25Bis Nguyễn Thị Minh Khai, Phường Bến Nghé, Quận 1, TP. Hồ Chí Minh, Việt Nam Hotline 24/7: 19006060 Website: https://hdbank.com.vn Thông tin xếp hạng tín nhiệm: https://hdbank.com.vn/vi/investor/thong-tin-nha-dau-tu/xep-hang-tin-nhiem

Screenshots

SACOMBANK PAY4 screens
HDBank4 screens

Verdict

The call

The clearest difference is ads: HDBank at none against SACOMBANK PAY's shown. HDBank also leads on monetization model (free vs free with in-app purchases) and update cadence (fortnightly vs every 2 months). SACOMBANK PAY's advantage is review sentiment (42% vs 30%) and ratings volume (291 vs 93). On price, rating, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 3.5 for SACOMBANK PAY against 3.5 for HDBank. Both are backed by a comparable volume of ratings — 291 and 93 respectively. Written reviews are what separate them: 42% of SACOMBANK PAY's written reviews are positive against 30% of HDBank's.

UpkeepUpdate frequency

SACOMBANK PAY ships an update every 2 months, HDBank fortnightly. The most recent releases landed on September 24, 2026 and September 16, 2026 respectively.

Scorecard5 real differences · 5 level
SACOMBANK PAY versus HDBank: the parameters behind the verdict, then further details
ParameterSACOMBANK PAYHDBank
PriceFreeFree
Rating3.5 (291 ratings)3.5 (93 ratings)
Positive reviews41.7% of reviews — better30.0% of reviews
Number of ratings291 — better93
Update frequencyEvery 2 monthsFortnightly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better14.0
Further details — not scored
Size267 MB644 MB
Age rating4+4+
DeveloperSAIGON THUONG TIN COMMERCIAL JOINT STOCK BANKHo Chi Minh City Development Joint Stock Commercial Bank

Customer experience

SACOMBANK PAY

All ratings291 ratings
Positive59.8%
Neutral4.1%
Negative36.1%
Written reviews242 reviews
Positive41.7%
Neutral5.0%
Negative53.3%

HDBank

All ratings93 ratings
Positive60.2%
Neutral7.5%
Negative32.3%
Written reviews30 reviews
Positive30.0%
Neutral0.0%
Negative70.0%

Bugs and requests

SACOMBANK PAY

Reported bugs

5 issues
  • Login issues and account access problems
  • Unreliable fund transfers and balance updates
  • Compatibility issues with newer devices
  • Frequent app crashes and freezes
  • Inaccurate transaction records

Requested features

5 requests
  • Improved transaction history and notifications
  • Biometric authentication options
  • Customizable app settings
  • Enhanced security measures
  • Seamless integration with other financial services

HDBank

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SACOMBANK PAY

No in-app purchases

None

HDBank

No in-app purchases

Questions

Is SACOMBANK PAY free?
SACOMBANK PAY 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, SACOMBANK PAY or HDBank?
SACOMBANK PAY and HDBank are both rated 3.5 out of 5 on the App Store, from 291 and 93 ratings respectively.
Do SACOMBANK PAY or HDBank have ads?
SACOMBANK PAY shows ads; HDBank does not.
Which is updated more often, SACOMBANK PAY or HDBank?
SACOMBANK PAY ships an update every 2 months, and HDBank fortnightly. Most recently, SACOMBANK PAY was updated on September 24, 2026 and HDBank on September 16, 2026.

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