# SACOMBANK PAY vs HDBank

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.

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

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.

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

## The numbers

| Metric | SACOMBANK PAY | HDBank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (291 ratings)](https://appshunter.io/ios/app/sacombank-pay/id1436283663/reviews) | [3.5 (93 ratings)](https://appshunter.io/ios/app/hdbank/id1461658565/reviews) |
| Number of ratings | **291** | 93 |
| Positive reviews | **41.7% of reviews** | 30.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 267 MB | 644 MB |
| Requires iOS | **13.0** | 14.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SAIGON THUONG TIN COMMERCIAL JOINT STOCK BANK](https://appshunter.io/developer/860668140) | [Ho Chi Minh City Development Joint Stock Commercial Bank](https://appshunter.io/developer/1304901616) |

## What reviewers say

### SACOMBANK PAY

[App page](https://appshunter.io/ios/app/sacombank-pay/id1436283663)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 👍 User-friendly and intuitive
- 🔒 Secure and reliable
- 💡 Innovative features
- 🤑 Convenient for banking needs

**What reviewers complain about**

- 🐛 Frequent bugs and crashes
- ⏱️ Slow performance and lags
- 🔍 Lacking in-app support
- 💰 Unexpected fees and charges
- 🤖 Poor user experience

**Reported bugs**

- 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**

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


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