# HDBank vs On

The clearest difference is ads: HDBank at none against On's shown. HDBank also leads on rating (3.6 vs 3.2) and monetization model (free vs free with in-app purchases). On price, review sentiment, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

HDBank holds the better App Store score, 3.6 against 3.2. That said, the two scores are not equally well evidenced: HDBank has 100 ratings behind it against 19, so its average is the more settled of the two. Written reviews complicate that: 34% of HDBank's written reviews are positive against 36% of On's, so the app with the better star average is not the one people write more warmly about.

HDBank ships an update fortnightly, On every 2 months. The most recent releases landed on October 25, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | HDBank | On |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.6 (100 ratings)](https://appshunter.io/ios/app/hdbank/id1461658565/reviews)** | [3.2 (19 ratings)](https://appshunter.io/ios/app/on-credit/id1533857522/reviews) |
| Number of ratings | **100** | 19 |
| Positive reviews | 34.4% of reviews | **35.5% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 644 MB | 54 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) | [SIROKO FINANS, TOV](https://appshunter.io/developer/1533857524) |

## 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


### On

[App page](https://appshunter.io/ios/app/on-credit/id1533857522)

This app provides financial consulting services to help users secure online loans. It guides you through the application process, offering loans up to 20,000,000 VND with flexible repayment terms. Enjoy a 0% interest and fee offer on your first loan.

**Highlights:** Online loan consulting, Loan application guidance, Up to 20,000,000 VND loans, Up to 183-day loan terms, 0% interest on first loan, Maximum 14.6%/year interest rate

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast disbursement
- 👍 Easy to use
- 👍 Friendly interface
- 👍 Quick approval process
- 👍 Convenient and fast

**What reviewers complain about**

- ⚠️ High interest rates
- ⚠️ App is buggy/unusable
- ⚠️ Loan sharks/predatory lending
- ⚠️ App crashes/freezes
- ⚠️ Login issues

**Reported bugs**

- App not loading
- App crashes
- Cannot log in
- App is laggy
- Cannot register

**Requested features**

- Need customer service phone number
- How to pay?


## Frequently asked questions

### Is HDBank free?

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

### Is On free?

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

### Which has better reviews, HDBank or On?

HDBank is rated higher. HDBank averages 3.6 out of 5 from 100 ratings, while On averages 3.2 from 19 ratings.

### Do HDBank or On have ads?

On shows ads; HDBank does not.

### Which is updated more often, HDBank or On?

HDBank ships an update fortnightly, and On every 2 months. Most recently, HDBank was updated on October 25, 2026 and On on October 22, 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.*