TCB OTP vs BIDV Direct
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
TCB OTP
This app generates one-time passwords (OTPs) for secure authentication for business customers. It also offers account balance inquiries and movement notifications, enhancing convenience for Techcombank F@st Ebank users.
- Generate transaction signing OTP
- Activate Smart OTP
- Change Smart OTP PIN
- Deactivate Smart OTP
- Balance movement notification
- Account balance inquiry
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TCB OTP is a mobile application to generate OTP (one-time-password) for smartphones and tablets. This is an advance authentication solution which provide secured and convenient usage for Commercial customer in bundle with Techcombank F@st Ebank. Besides, in order to increase convenience for customers, we provide additional query function and receive balance movement information from their account. Features: Activate Smart OTP Generate transaction signing OTP Change Smart OTP PIN code Deactivate Smart OTP Balance movement notification
BIDV Direct
This digital banking platform provides businesses with a secure and flexible ecosystem for managing finances. It offers a wide range of services including transfers, payroll, and bill payments, with a user-friendly interface and multi-language support.
- Comprehensive financial services
- User-friendly interface
- Multi-language support
- Electronic forms for service registration
- Seamless cross-platform transactions
- High transaction automation
- Flexible user access control
- Multiple authentication methods
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BIDV Direct is a digital banking platform designed for businesses, developed by the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV). BIDV Direct offers an intelligent, flexible, secure, and seamless financial service ecosystem that helps businesses optimize operations and accelerate growth. OUTSTANDING FEATURES AND UTILITIES OF BIDV DIRECT • Comprehensive financial services: Account inquiries, domestic transfers, international transfers, payroll, term deposits, bill payments, … • Modern, user-friendly interface customizable to individual preferences • Multi-language support: English, Japanese, Chinese, Korean, Vietnamese • Electronic forms (E-Forms): easy, intuitive, and fast service registration • Seamless transactions across multiple platforms: Web – Mobile App- ERP • High transaction automation rate • Flexible user access matrix • Multiple authentication methods: Smart OTP, USB token, remote digital signature • Advance security technologies applied • 24/7 online assistance
Screenshots
Verdict
The clearest difference is rating: BIDV Direct at 4.8 against TCB OTP's 2.0. BIDV Direct also leads on update cadence (every 2 weeks vs every 9 months). On price, ratings volume, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
BIDV Direct holds the better App Store score, 4.8 against 2.0. Both are backed by a comparable volume of ratings — 4 and 4 respectively.
TCB OTP ships an update every 9 months, BIDV Direct every 2 weeks. The most recent releases landed on November 2, 2026 and November 8, 2026 respectively.
| Parameter | TCB OTP | BIDV Direct |
|---|---|---|
| Price | Free | Free |
| Rating | 2.0 (4 ratings) | 4.8 (4 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 4 | 4 |
| Update frequency | Every 9 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 14.0 | 14.0 |
| Further details — not scored | ||
| Size | 33 MB | 206 MB |
| Age rating | 4+ | 4+ |
| Developer | VIETNAM TECHNOLOGICAL AND COMMERCIAL JOINT STOCK BANK | BIDV |
Customer experience
TCB OTP
BIDV Direct
In-app purchases
TCB OTP
No in-app purchases
BIDV Direct
No in-app purchases
