# MSB Plus vs Eximbank Smart OTP

The clearest difference is rating: MSB Plus at 3.4 against Eximbank Smart OTP's 3.0. MSB Plus also leads on update cadence (fortnightly vs every 8 months) and ratings volume (7 vs 2). Eximbank Smart OTP's advantage is iOS requirement (10.0 vs 15.6). On price, ads, in-app purchases and monetization model there is nothing between them.

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

MSB Plus holds the better App Store score, 3.4 against 3.0. Both are backed by a comparable volume of ratings — 7 and 2 respectively.

MSB Plus ships an update fortnightly, Eximbank Smart OTP every 8 months. The most recent releases landed on October 23, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | MSB Plus | Eximbank Smart OTP |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (7 ratings)](https://appshunter.io/ios/app/msb-plus/id1525133110/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/eximbank-smart-otp/id1532019052/reviews) |
| Number of ratings | **7** | 2 |
| Positive reviews | — | 40.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 8 months |
| Monetization | Free | Free |
| Size | 91 MB | 16 MB |
| Requires iOS | 15.6 | **10.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Vietnam Maritime Commercial Joint Stock Bank](https://appshunter.io/developer/1448568155) | [Vietnam Export Import Commercial Joint Stock Bank](https://appshunter.io/developer/456147820) |

## What reviewers say

### MSB Plus

[App page](https://appshunter.io/ios/app/msb-plus/id1525133110)

Manage your credit card spending with over 1000 daily offers. Enjoy fast online installment plans with preferential interest rates. Securely manage card data and receive instant transaction notifications.

**Highlights:** Daily offers and promotions, Online installment plans, Preferential interest rates, Card data management, Secure card usage, Instant transaction notifications

**In-app purchases:** none


### Eximbank Smart OTP

[App page](https://appshunter.io/ios/app/eximbank-smart-otp/id1532019052)

This app provides enhanced OTP authentication for online banking transactions. It is developed by Eximbank to secure your digital banking activities.

**Highlights:** Enhanced OTP authentication, Online banking transaction security, Developed by Eximbank, Smartphone compatible

**In-app purchases:** none


## Frequently asked questions

### Is MSB Plus free?

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

### Is Eximbank Smart OTP free?

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

### Which has better reviews, MSB Plus or Eximbank Smart OTP?

MSB Plus is rated higher. MSB Plus averages 3.4 out of 5 from 7 ratings, while Eximbank Smart OTP averages 3.0 from 2 ratings.

### Do MSB Plus or Eximbank Smart OTP have ads?

Neither MSB Plus nor Eximbank Smart OTP shows ads.

### Which is updated more often, MSB Plus or Eximbank Smart OTP?

MSB Plus ships an update fortnightly, and Eximbank Smart OTP every 8 months. Most recently, MSB Plus was updated on October 23, 2026 and Eximbank Smart OTP on October 15, 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.*