Comparison

Umee vs SHB SAHA

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

Head to head
About

Umee

Experience a modern, user-friendly digital banking platform designed for the digital generation. Manage accounts, make payments, and access customer support 24/7, all from your mobile device. Enjoy a seamless and convenient financial experience without visiting a branch.

Highlights
  • Biometric login and transaction authentication
  • Bill payments for various services
  • Mobile top-ups and scratch card purchases
  • Multiple transfer methods
  • Open and manage savings accounts
  • Account and card management
  • In-app chat and 24/7 customer support
Features
Read full description

Umee - Ứng dụng ngân hàng “ Bứt phá kỷ nguyên số” - Dành cho thế hệ số Trên phiên bản ứng dụng mới này, Umee hướng tới phục vụ nhu cầu và lợi ích của khách hàng trong thời đại số. Chỉ với 1 phút đăng ký, khách hàng trải nghiệm ngay giao diện hiện đại, thân thiện, thông minh với nhiều tiện ích vượt trội và hoàn toàn miễn phí: Hãy tải để trải nghiệm ngân hàng số vạn tính năng - trăm tiện ích mà không cần tới quầy giao dịch: • Đăng nhập/xác thực giao dịch bằng sinh trắc học • Thanh toán hóa đơn của nhiều dịch vụ trên thị trường • Nạp tiền, mua thẻ cào nhiều ưu đãi • Chuyển khoản với nhiều phương thức • Mở/Tất toán tiết kiệm trên ứng dụng dễ dàng • Quản lý tài khoản và thẻ dễ dàng • Chat giữa các tài khoản Umee ngay trên ứng dụng • Hỗ trợ dịch vụ khách hàng 24/7 ngay trên ứng dụng (chat, video call) • Tra cứu điểm giao dịch và ATM của Umee Với mục đích đem đến cho khách hàng hàng thế hệ số trong kỷ nguyên internet một phương thức giao dịch tài chính thông minh, nhanh chóng và tiện lợi nhất, Chúng tôi hy vọng giúp bạn dành nhiều thời gian hơn dành cho gia đình.

About

SHB SAHA

This secure digital banking platform offers a seamless experience for managing your finances. It provides tools for personal financial management, comprehensive payment options, and features for saving, lending, and investment to help you reach your financial goals.

Highlights
  • Secure banking interactions
  • Personal financial management tools
  • Comprehensive payment methods
  • Saving, lending, and investment features
  • Personalized banking experiences
  • Offers and promotions
Features
Read full description

Beginning 2023, SHB launched SHB SAHA, the Bank's secure, feature-rich, and seamless digital banking platform. SHB SAHA provides customers with: - Peace of Mind: SHB SAHA has internationally recognised systems designed to ensure all your banking interactions are safe and secure - Smarter Banking: SHB SAHA helps you easily manage your banking with personal financial management tools, comprehensive payment methods, and regular offers and promotions - Financial Control: SHB SAHA has saving, lending and investment features to help you understand, set, and reach your financial goals - Personalised Experience: SHB SAHA offers personalised banking experiences to match your unique needs and preferences Download SHB SAHA now to access the secure, feature-rich, and seamless digital banking experiences.

Screenshots

Umee4 screens
SHB SAHA4 screens

Verdict

The call

The clearest difference is rating: Umee at 4.4 against SHB SAHA's 3.2. Umee also leads on update cadence (weekly vs every 3 weeks) and iOS requirement (11.0 vs 13.0). SHB SAHA's advantage is ratings volume (65 vs 5). On price, ads, in-app purchases and monetization model 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.

ReceptionRating · Positive reviews · Number of ratings

Umee holds the better App Store score, 4.4 against 3.2. That said, the two scores are not equally well evidenced: SHB SAHA has 65 ratings behind it against 5, so its average is the more settled of the two.

UpkeepUpdate frequency

Umee ships an update weekly, SHB SAHA every 3 weeks. The most recent releases landed on September 20, 2026 and October 12, 2026 respectively.

Scorecard4 real differences · 6 level
Umee versus SHB SAHA: the parameters behind the verdict, then further details
ParameterUmeeSHB SAHA
PriceFreeFree
Rating4.4 (5 ratings) — better3.2 (65 ratings)
Positive reviews—26.9% of reviews
Number of ratings565 — better
Update frequencyWeekly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS11.0 — better13.0
Further details — not scored
Size243 MB263 MB
Age rating4+17+
DeveloperKienlongbankSAI GON - HA NOI COMMECIAL JOINT STOCK BANK

Customer experience

Umee

All ratings5 ratings
Positive80.0%
Neutral0.0%
Negative20.0%

SHB SAHA

All ratings65 ratings
Positive53.8%
Neutral3.1%
Negative43.1%
Written reviews26 reviews
Positive26.9%
Neutral7.7%
Negative65.4%

In-app purchases

None

Umee

No in-app purchases

None

SHB SAHA

No in-app purchases

Questions

Is Umee free?
Umee is free to download, with no in-app purchases.
Is SHB SAHA free?
SHB SAHA is free to download, with no in-app purchases.
Which has better reviews, Umee or SHB SAHA?
Umee is rated higher. Umee averages 4.4 out of 5 from 5 ratings, while SHB SAHA averages 3.2 from 65 ratings.
Do Umee or SHB SAHA have ads?
Neither Umee nor SHB SAHA shows ads.
Which is updated more often, Umee or SHB SAHA?
Umee ships an update weekly, and SHB SAHA every 3 weeks. Most recently, Umee was updated on September 20, 2026 and SHB SAHA on October 12, 2026.

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