# VNPAY App vs Sổ Hụi 4.0

The clearest difference is rating: Sổ Hụi 4.0 at 5.0 against VNPAY App's 4.3. VNPAY App's advantage is ratings volume (661 vs 4) and iOS requirement (13.0 vs 15.0). 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.

Sổ Hụi 4.0 holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: VNPAY App has 661 ratings behind it against 4, so its average is the more settled of the two.

VNPAY App ships an update every 10 days, Sổ Hụi 4.0 weekly. The most recent releases landed on November 9, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | VNPAY App | Sổ Hụi 4.0 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (661 ratings)](https://appshunter.io/ios/app/vnpay-app/id1470378562/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/so-hui-40/id6479584745/reviews)** |
| Number of ratings | **661** | 4 |
| Positive reviews | 54.8% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 10 days | **Weekly** |
| Monetization | Free | Free |
| Size | 508 MB | 90 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [VNPAY](https://appshunter.io/developer/443364658) | [hung bui thai](https://appshunter.io/developer/1594862481) |

## What reviewers say

### 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


### Sổ Hụi 4.0

[App page](https://appshunter.io/ios/app/so-hui-40/id6479584745)

Manage your savings groups with ease. Track contributions, payments, and balances for all your groups. Get detailed reports on your savings activities.

**Highlights:** Manage savings groups, Track contributions, Record payments, Balance management, Detailed reports

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is VNPAY App free?

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

### Is Sổ Hụi 4.0 free?

Sổ Hụi 4.0 is free to download, with no in-app purchases.

### Which has better reviews, VNPAY App or Sổ Hụi 4.0?

Sổ Hụi 4.0 is rated higher. VNPAY App averages 4.3 out of 5 from 661 ratings, while Sổ Hụi 4.0 averages 5.0 from 4 ratings.

### Do VNPAY App or Sổ Hụi 4.0 have ads?

Neither VNPAY App nor Sổ Hụi 4.0 shows ads.

### Which is updated more often, VNPAY App or Sổ Hụi 4.0?

VNPAY App ships an update every 10 days, and Sổ Hụi 4.0 weekly. Most recently, VNPAY App was updated on November 9, 2026 and Sổ Hụi 4.0 on November 4, 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.*