National Bonds vs MSB Digital Bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
National Bonds
Manage your finances and savings with an enhanced digital experience. This app offers powerful features to simplify financial management, making saving easier and more enjoyable on the go.
- Digital savings journey
- On-the-go financial control
- Simplified finance management
- Easy saving tools
- Account management
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Say hello to your enhanced digital savings journey. Introducing the new National Bonds mobile app, designed to give you ultimate control over your savings on the go, anytime, anywhere. With powerful features to simplify managing your finances, this app makes saving easier than ever. اكتشفوا تجربة رقمية فريدة تجعل الادخار أسهل وأكثر متعة! مع تطبيق الصكوك الوطنية الجديد للهاتف، أصبح بإمكانكم إدارة مدخراتكم بسهولة وسلاسة، أينما كنتم وفي أي وقت. استمتعوا بالميزات الذكية التي تبسط إدارة حساباتكم وتضع التحكم الكامل بين أيديكم. الادخار الآن أسهل من أي وقت مضى!
MSB Digital Bank
This digital banking app offers a secure and convenient way to manage your finances. Open accounts online, enjoy fee-free transactions, and access attractive savings rates. It also provides bill payment, expense tracking, and exclusive partner offers.
- 1-minute online account opening
- Free lifetime transactions
- Attractive online savings rates
- Automated bill payments
- Expense tracking
- ATM and branch locator
- Exclusive partner discounts
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MSB Digital Bank - A Powerful Super App for Your Digital Banking Experience MSB Digital Bank is MSB’s next-generation digital banking and mobile banking app, enabling you to open an account online via eKYC in just one minute, choose a personalized account number, enjoy free 24/7 money transfers, open online savings accounts, make QR payments, pay bills, and manage your personal finances—all from your smartphone. Built on an advanced Super App architecture and powered by international-standard technology, MSB Digital Bank delivers a seamless All-in-One financial ecosystem. Banking transactions, cashless payments, and personal financial management are all available within a single application. MSB is proud to have received the "Best Digital Transformation Bank in Vietnam" award (*), reaffirming our commitment to delivering a modern, secure, and convenient digital banking experience. INNOVATIVE FEATURES – A PREMIUM EXPERIENCE - Explore without signing in: Experience a flexible digital financial environment with guest access. Discover the full capabilities of the super app before opening an account. - Personalized experience: Enjoy a smart, user-friendly interface that can be customized to suit your preferences and daily habits. - Powerful performance: Experience fast, reliable, and seamless 24/7 banking transactions powered by international-standard technology. - Advanced security: Multi-layer security protection helps safeguard your account and every transaction you make. EXCLUSIVE FINANCIAL BENEFITS & OUTSTANDING CONVENIENCE - Free lifetime online account opening: Complete 100% digital eKYC verification in just one minute. No minimum balance requirement, free 24/7 transfers, no account maintenance fees, and free ATM cash withdrawals. - Express your individuality: Choose a personalized account number based on your phone number, date of birth, or favorite number sequence. - Comprehensive financial management: Take control of your cash flow, assets, and personal finances. Track spending visually and manage your budget more effectively. - High-limit 24/7 transfers: Conveniently transfer funds with limits of up to VND 10 billion through a streamlined transaction process. - Attractive online savings rates: Open savings accounts anytime, anywhere without visiting a branch. Earn up to an additional 0.9% interest rate when opening your first online savings account with MSB. ALL-IN-ONE CONVENIENCE AT YOUR FINGERTIPS - Pay electricity, water, internet, and other utility bills. - Fast, secure, and convenient QR code payments. - Automatic mobile phone top-ups. - Schedule recurring or future-dated money transfers. EXCITING REWARDS AND SPECIAL OFFERS - Earn cashback of up to VND 1.2 million per year on bill payments and automatic top-ups. - Receive rewards of up to VND 2 million when referring friends who successfully open an account. - Enjoy thousands of exclusive offers from more than 300 MSB partners immediately after opening your account. DOWNLOAD MSB DIGITAL BANK TODAY Experience a modern digital banking app with: - Online account opening via eKYC - Personalized account numbers - Free 24/7 money transfers - High-limit fund transfers - Online savings accounts - QR code payments - Bill payments - Expense tracking and budgeting - Comprehensive personal financial management - An All-in-One digital banking ecosystem in a single super app (*) Award presented by The Global Economics Magazine. Learn more about MSB’s awards at: https://www.msb.com.vn/vi/tin-tuc.html#giai-thuong Contact Information MSB – Reach New Heights Hotline: 1900 6083 Website: https://www.msb.com.vn Zalo: https://zalo.me/msbvietnam
Screenshots
Verdict
The clearest difference is rating: MSB Digital Bank at 4.7 against National Bonds's 3.4. MSB Digital Bank also leads on review sentiment (90% vs 52%) and update cadence (fortnightly vs every 5 weeks). 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.
MSB Digital Bank holds the better App Store score, 4.7 against 3.4. Both are backed by a comparable volume of ratings — 23 and 47 respectively. Written reviews point the same way: 52% of National Bonds's written reviews are positive against 90% of MSB Digital Bank's.
National Bonds ships an update every 5 weeks, MSB Digital Bank fortnightly. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.
| Parameter | National Bonds | MSB Digital Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (23 ratings) | 4.7 (47 ratings) — better |
| Positive reviews | 52.0% of reviews | 90.3% of reviews — better |
| Number of ratings | 23 | 47 — better |
| Update frequency | Every 5 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 110 MB | 251 MB |
| Age rating | 4+ | 4+ |
| Developer | NATIONAL BONDS CORPORATION SOLE PROPRIETORSHIP P.S.C. | Vietnam Maritime Commercial Joint Stock Bank |
Customer experience
National Bonds
MSB Digital Bank
In-app purchases
National Bonds
No in-app purchases
MSB Digital Bank
No in-app purchases
Questions
Is National Bonds free?
Is MSB Digital Bank free?
Which has better reviews, National Bonds or MSB Digital Bank?
Do National Bonds or MSB Digital Bank have ads?
Which is updated more often, National Bonds or MSB Digital Bank?
Other comparisons
