# saib token vs HDBank OTP

The clearest difference is rating: HDBank OTP at 5.0 against saib token's 2.8. saib token's advantage is ratings volume (5 vs 1) and iOS requirement (12.0 vs 16.0). 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.

HDBank OTP holds the better App Store score, 5.0 against 2.8. That said, the two scores are not equally well evidenced: saib token has 5 ratings behind it against 1, so its average is the more settled of the two.

saib token ships an update every 11 months, HDBank OTP every 10 months. The most recent releases landed on October 29, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | saib token | HDBank OTP |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (5 ratings)](https://appshunter.io/ios/app/saib-token/id1506908879/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/hdbank-otp/id1524637768/reviews)** |
| Number of ratings | **5** | 1 |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 11 months | **Every 10 months** |
| Monetization | Free | Free |
| Size | 21 MB | 18 MB |
| Requires iOS | **12.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [SAIB Bank](https://appshunter.io/developer/1318668268) | [Housing & Development Bank](https://appshunter.io/developer/1463541975) |

## What reviewers say

### saib token

[App page](https://appshunter.io/ios/app/saib-token/id1506908879)

This security application generates one-time passwords (OTPs) to authorize online banking transactions for customers. It offers enhanced security with features like a user-defined PIN and encrypted key storage for a safer banking experience.

**Highlights:** Generates One-Time Passwords (OTPs), Authorizes online banking transactions, User-defined PIN security, Online token activation, Encrypted token key store

**Features:** macOS Compatibility

**In-app purchases:** none


### HDBank OTP

[App page](https://appshunter.io/ios/app/hdbank-otp/id1524637768)

This application generates secure one-time passwords (OTPs) essential for authenticating transactions within HDB Online Banking. It ensures a secure login process for all your banking activities.

**Highlights:** Generates secure OTPs, HDB Online Banking authentication, Transaction security, Secure login

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is saib token free?

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

### Is HDBank OTP free?

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

### Which has better reviews, saib token or HDBank OTP?

HDBank OTP is rated higher. saib token averages 2.8 out of 5 from 5 ratings, while HDBank OTP averages 5.0 from 1 ratings.

### Do saib token or HDBank OTP have ads?

Neither saib token nor HDBank OTP shows ads.

### Which is updated more often, saib token or HDBank OTP?

saib token ships an update every 11 months, and HDBank OTP every 10 months. Most recently, saib token was updated on October 29, 2026 and HDBank OTP on October 8, 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.*