# HDBank vs VNPAY App

The clearest difference is rating: VNPAY App at 4.3 against HDBank's 3.6. VNPAY App also leads on review sentiment (55% vs 34%) and ratings volume (660 vs 100). 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.

VNPAY App holds the better App Store score, 4.3 against 3.6. That said, the two scores are not equally well evidenced: VNPAY App has 660 ratings behind it against 100, so its average is the more settled of the two. Written reviews point the same way: 34% of HDBank's written reviews are positive against 55% of VNPAY App's.

HDBank ships an update fortnightly, VNPAY App every 10 days. The most recent releases landed on October 16, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | HDBank | VNPAY App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (100 ratings)](https://appshunter.io/ios/app/hdbank/id1461658565/reviews) | **[4.3 (660 ratings)](https://appshunter.io/ios/app/vnpay-app/id1470378562/reviews)** |
| Number of ratings | 100 | **660** |
| Positive reviews | 34.4% of reviews | **55.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 10 days** |
| Monetization | Free | Free |
| Size | 644 MB | 508 MB |
| Requires iOS | 14.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Ho Chi Minh City Development Joint Stock Commercial Bank](https://appshunter.io/developer/1304901616) | [VNPAY](https://appshunter.io/developer/443364658) |

## What reviewers say

### 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


### 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 HDBank free?

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

### Is VNPAY App free?

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

### Which has better reviews, HDBank or VNPAY App?

VNPAY App is rated higher. HDBank averages 3.6 out of 5 from 100 ratings, while VNPAY App averages 4.3 from 660 ratings.

### Do HDBank or VNPAY App have ads?

Neither HDBank nor VNPAY App shows ads.

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

HDBank ships an update fortnightly, and VNPAY App every 10 days. Most recently, HDBank was updated on October 16, 2026 and VNPAY App on October 11, 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.*