# TCB OTP vs BIDV Direct

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.

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.

## The numbers

| Metric | TCB OTP | BIDV Direct |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (4 ratings)](https://appshunter.io/ios/app/tcb-otp/id1455823782/reviews) | **[4.8 (4 ratings)](https://appshunter.io/ios/app/bidv-direct/id6746896498/reviews)** |
| Number of ratings | 4 | 4 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 33 MB | 206 MB |
| Requires iOS | 14.0 | 14.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [VIETNAM TECHNOLOGICAL AND COMMERCIAL JOINT STOCK BANK](https://appshunter.io/developer/931883424) | [BIDV](https://appshunter.io/developer/483349917) |

## What reviewers say

### TCB OTP

[App page](https://appshunter.io/ios/app/tcb-otp/id1455823782)

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.

**Highlights:** Generate transaction signing OTP, Activate Smart OTP, Change Smart OTP PIN, Deactivate Smart OTP, Balance movement notification, Account balance inquiry

**Features:** macOS Compatibility

**In-app purchases:** none


### BIDV Direct

[App page](https://appshunter.io/ios/app/bidv-direct/id6746896498)

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.

**Highlights:** 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

**In-app purchases:** none


## Frequently asked questions

### Is TCB OTP free?

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

### Is BIDV Direct free?

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

### Which has better reviews, TCB OTP or BIDV Direct?

BIDV Direct is rated higher. TCB OTP averages 2.0 out of 5 from 4 ratings, while BIDV Direct averages 4.8 from 4 ratings.

### Do TCB OTP or BIDV Direct have ads?

Neither TCB OTP nor BIDV Direct shows ads.

### Which is updated more often, TCB OTP or BIDV Direct?

TCB OTP ships an update every 9 months, and BIDV Direct every 2 weeks. Most recently, TCB OTP was updated on November 2, 2026 and BIDV Direct on November 8, 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.*