# HDBank vs Vikki

The clearest difference is review sentiment: Vikki at 92% against HDBank's 34%. Vikki also leads on rating (4.7 vs 3.7) and update cadence (weekly vs fortnightly). 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.

Vikki holds the better App Store score, 4.7 against 3.7. Both are backed by a comparable volume of ratings — 103 and 230 respectively. Written reviews point the same way: 34% of HDBank's written reviews are positive against 92% of Vikki's.

HDBank ships an update fortnightly, Vikki weekly. The most recent releases landed on November 11, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | HDBank | Vikki |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (103 ratings)](https://appshunter.io/ios/app/hdbank/id1461658565/reviews) | **[4.7 (230 ratings)](https://appshunter.io/ios/app/vikki-ngan-hang-so/id6471952024/reviews)** |
| Number of ratings | 103 | **230** |
| Positive reviews | 34.4% of reviews | **91.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | Free | Free |
| Size | 644 MB | 284 MB |
| Requires iOS | **14.0** | 15.5 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Ho Chi Minh City Development Joint Stock Commercial Bank](https://appshunter.io/developer/1304901616) | [Vikki Digital Bank Limited](https://appshunter.io/developer/336751428) |

## 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


### Vikki

[App page](https://appshunter.io/ios/app/vikki-ngan-hang-so/id6471952024)

This digital banking app offers a comprehensive suite of financial services, including online account opening, diverse payment cards, and fast, fee-free money transfers. It provides easy expense management and 24/7 customer support for a secure and convenient banking experience.

**Highlights:** Online account opening, Virtual payment cards, Global online shopping, 24/7 money transfers, Fee-free transactions, Expense management, 24/7 customer support

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and smooth app performance
- 🎨 Beautiful and modern interface design
- 👍 Easy to use and intuitive navigation
- 💰 Free services and competitive interest rates
- ⚡ Quick money transfers and transactions

**What reviewers complain about**

- 🔧 Frequent maintenance and downtime
- 🐛 Transaction transfer errors
- ⚠️ Slow bank processing times
- 🔄 Complex interface design
- 📱 Incompatible with older iOS versions

**Reported bugs**

- Frequent maintenance and service interruptions
- Money transfer errors and failures
- Account creation system failures
- Statement extraction with official stamp not working
- iOS version compatibility issues (requires iOS 15.5+)

**Requested features**

- Simplify app design and reduce complexity
- Improve system clarity regarding legal requirements


## Frequently asked questions

### Is HDBank free?

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

### Is Vikki free?

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

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

Vikki is rated higher. HDBank averages 3.7 out of 5 from 103 ratings, while Vikki averages 4.7 from 230 ratings.

### Do HDBank or Vikki have ads?

Neither HDBank nor Vikki shows ads.

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

HDBank ships an update fortnightly, and Vikki weekly. Most recently, HDBank was updated on November 11, 2026 and Vikki on November 5, 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.*