Comparison

CBway vs SHB Smart OTP

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head

★ 1.01 ratingsView app →

About

CBway

This mobile banking application allows customers to perform various financial transactions remotely. It offers 24/7 access for fund transfers, bill payments, mobile top-ups, and account inquiries. Users can also manage beneficiaries and find ATM/branch locations.

Highlights

24/7 remote access
Interbank fund transfers
Bill payment services
Mobile top-ups
Account information inquiry
Savings account management
ATM/branch locator

Features

Read full description

CBway là ứng dụng do Ngân hàng thương mại TNHH MTV Xây dựng Việt Nam cung cấp cho khách hàng, ứng dụng này cho phép khách hàng thực hiện được các giao dịch ngân hàng trên điện thoại di động trên hệ điều hành iOS có kết nối Internet Một số tính năng vượt trội của CBway: - Truy cập 24 giờ mỗi ngày, 07 ngày mỗi tuần tại bất cứ nơi nào bạn có mặt. - Chuyển tiền trong và ngoài hệ thống CB, chuyển tiền NHANH liên ngân hàng 24/7 qua số tài khoản và qua số thẻ ATM. - Thanh toán hóa đơn dịch vụ như: cước di động trả sau, tiền điện, Internet, vé máy bay.... - Nạp tiền: điện thoại trả trước - Truy vấn thông tin tài khoản, lịch sử giao dịch tài khoản - Xem, mở và tất toán tài khoản tiết kiệm nhanh chóng dễ dàng - Tra cứu thông tin địa chỉ ATM/Chi nhánh, tỷ giá, lãi suất, thông tin khuyến mãi... - Quản lý người thụ hưởng,…

About

SHB Smart OTP

This mobile application generates One-Time Passwords (OTP) for transaction verification. It offers features for activation, token resynchronization, and setting a token unlock password.

Highlights

Generate OTP codes
Activate application
Synchronize token
Set unlock password
Reactivate smart OTP

Features

Read full description

Ứng dụng Mobile Soft OTP dùng để tạo mã xác nhận khi thực hiện các giao dịch Các tiện ích: - Kích hoạt ứng dụng - Đồng bộ lại token - Cài đặt mật khẩu mở khóa token - Active lại smart OTP

Screenshots

CBway4 screens

SHB Smart OTP4 screens

Verdict

The call

The clearest difference is review sentiment: CBway at 62% against SHB Smart OTP's 33%. On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

CBway ships an update every 4 months, SHB Smart OTP every 3 months. The most recent releases landed on October 22, 2026 and October 9, 2026 respectively.

Scorecard1 real difference · 9 level

CBway versus SHB Smart OTP: the parameters behind the verdict, then further details
Parameter	CBway	SHB Smart OTP
Price	Free	Free
Rating	—	1.0 (1 ratings) — better
Positive reviews	62.2% of reviews — better	33.3% of reviews
Number of ratings	—	1 — better
Update frequency	Every 4 months	Every 3 months — better
Ads	No	No
In-app purchases	No	No
Monetization	Free	Free
Devices	iPhone, iPad, iPod	iPhone, iPad, iPod
Requires iOS	12.4	11.0 — better
Further details — not scored
Size	146 MB	22 MB
Age rating	4+	4+
Developer	Vietcombank Neo Limited	SAI GON - HA NOI COMMECIAL JOINT STOCK BANK

Customer experience

CBway

Written reviews45 reviews

Positive62.2%

Neutral2.2%

Negative35.6%

SHB Smart OTP

All ratings1 ratings

Positive0.0%

Neutral0.0%

Negative100.0%

Written reviews3 reviews

Positive33.3%

Neutral0.0%

Negative66.7%

Bugs and requests

CBway

Reported bugs

8 issues

Cannot update CCCD/new ID card
App crashes on startup/login
Cannot register account with new ID card
Error when opening app
White screen when performing transactions

Show 3 more

App not compatible with older iOS versions (iPhone 6, iOS 12)
Error: CCCD already exists when opening account
Cannot view savings accounts after online deposit

Requested features

6 requests

Update app to support new ID cards (CCCD)
Add biometric login (fingerprint)
Improve password recovery process
Add notification for transaction changes
Display total savings account balance

Show 1 more

Add QR code scanning feature

SHB Smart OTP

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

CBway

No in-app purchases

None

SHB Smart OTP

No in-app purchases

Questions

Is CBway free?

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

Is SHB Smart OTP free?

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

Do CBway or SHB Smart OTP have ads?

Neither CBway nor SHB Smart OTP shows ads.

Which is updated more often, CBway or SHB Smart OTP?

CBway ships an update every 4 months, and SHB Smart OTP every 3 months. Most recently, CBway was updated on October 22, 2026 and SHB Smart OTP on October 9, 2026.