# OPES vs VNPAY App

The clearest difference is review sentiment: VNPAY App at 55% against OPES's 33%. VNPAY App 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.

OPES ships an update fortnightly, VNPAY App every 10 days. The most recent releases landed on September 30, 2026 and September 26, 2026 respectively.

## The numbers

| Metric | OPES | VNPAY App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.3 (660 ratings)](https://appshunter.io/ios/app/vnpay-app/id1470378562/reviews)** |
| Number of ratings | — | **660** |
| Positive reviews | 33.3% of reviews | **55.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 10 days** |
| Monetization | Free | Free |
| Size | 153 MB | 507 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OPES INSURANCE JOINT STOCK COMPANY](https://appshunter.io/developer/1440456585) | [VNPAY](https://appshunter.io/developer/443364658) |

## What reviewers say

### 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


### VNPAY App

[App page](https://appshunter.io/ios/app/vnpay-app/id1470378562)

This app is a comprehensive payment and shopping platform integrating transportation, entertainment, and retail. It offers multiple secure payment options and a wide range of services for daily life, including shopping, booking travel, and purchasing entertainment tickets.

**Highlights:** Multiple secure payment methods, QR code scanning, Online shopping on VnShop, Book taxis, flights, trains, buses, Purchase movie and event tickets, Buy now, pay later services, Consumer loans

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

**In-app purchases:** none

**What reviewers like**

- 💳 Convenient payment options
- 💰 Many discount codes and promotions
- 🚀 Fast and smooth transactions
- 🇻🇳 Supports national celebrations

**What reviewers complain about**

- 🤔 Compatibility issues with foreign cards
- 🤖 Poor customer support
- 🚫 Merchants not accepting VNPAY QR codes
- 🔒 Unreliable identity verification

**Reported bugs**

- Frequent connection errors
- Issues with payment processing and refunds
- App crashes during transactions

**Requested features**

- Expand merchant network to accept VNPAY QR
- Improve in-app support and troubleshooting
- Allow more flexibility in identity verification


## Frequently asked questions

### Is OPES free?

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

### Is VNPAY App free?

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

### Do OPES or VNPAY App have ads?

Neither OPES nor VNPAY App shows ads.

### Which is updated more often, OPES or VNPAY App?

OPES ships an update fortnightly, and VNPAY App every 10 days. Most recently, OPES was updated on September 30, 2026 and VNPAY App on September 26, 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.*