MSB mBank vs BIDV SmartBanking
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MSB mBank
Manage your finances with a secure and fast digital banking experience. Open accounts online, earn attractive interest rates on savings, and access a wide range of utility services. Enjoy exclusive promotions and cashback offers.
- 1-minute online account registration
- Choose custom bank account numbers
- Attractive interest rates on savings
- All-in-one utility services
- Automatic bill payments and recharges
- Expense monitoring and management
- Exclusive promotions and cashback
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WELCOME TO MSB MBANK'S BRAND-NEW DIGITAL EXPERIENCE! As the bank awarded "Best Digital Transformation Bank in Vietnam 2022"(*), MSB strives every day to bring a simple, secure, and fast banking experience with numerous outstanding conveniences. There’s so much you can experience with the Mobile Banking app: *FREE LIFETIME CURRENT ACCOUNT - 01-minute register 100% online with a fast and modern eKYC process - Freely choose bank account number by phone number, birthday, or nickname - No minimum balance is required, and free lifetime services (Napas 247 internal & interbank online transfer, issuance of M-Pro domestic debit card, withdrawal at MSB ATM, and account maintenance fee). - Automatically separating online transactions 24/7 up to 10 billion VND/time just by a click *SAFE, ATTRACTIVE INTEREST RATE ONLINE SAVINGS - Attractive savings interest rates, diverse deposit terms & deposit products - No need for complicated paperwork, and no need to go to the branches. - +0.9% interest rate instantly when opening a savings account for the first time at MSB - Packed with features to help manage, track, and check your savings balance online 24/7 *UTILITY SERVICES ALL-IN-ONE APP - Pay and recharge automatically in 1 click - Monitor and manage monthly expenses - Schedule transfers, and future transfers easily - Find the nearest ATM and MSB’s branch right on the app *ATTRACTIVE PROMOTIONS FROM MSB AND OUR PARTNERS - Cashback of up to 1.2 million VND/year when paying bills & automatic top-up on Internet Banking/Mobile Banking applications - Receive up to 2 million VND when recommending friends to open an account via the MSB mBank application - And thousands of promotions from +300 partners as soon as opening an account Want a secure, easy way to bank on the go? Download the app today. It’s simple and convenient! (*) Award given by The Global Economic Magazine. See more MSB awards given: https://www.msb.com.vn/en/tin-tuc.html#awards _________________________________________ MSB – On real growth Hotline: 1900 6083 Website: https://msb.com.vn/ Zalo: https://zalo.me/msbvietnam
BIDV SmartBanking
This digital banking app offers a personalized and seamless experience with an AI assistant for product recommendations and 24/7 chatbot support. It features automated investing, smart financial management tools, and a wide range of integrated lifestyle services, all secured with advanced authentication.
- AI assistant for personalized recommendations
- 24/7 chatbot support
- Automated investing for idle cash
- Smart financial management tools
- Integrated lifestyle services (bill pay, shopping)
- Secure login and transaction authentication
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BIDV SMARTBANKING - NGÂN HÀNG SỐ CỦA TƯƠNG LAI BIDV SmartBanking phiên bản X ra mắt với giao diện hoàn toàn mới, mang đến trải nghiệm cá nhân hóa, mượt mà trên mọi điểm chạm cùng nhiều tiện ích vượt trội dành riêng cho khách hàng cá nhân. TRỢ LÝ AI LẦN ĐẦU XUẤT HIỆN TRÊN SMARTBANKING Trợ lý AI được tích hợp giúp phân tích, dự đoán, gợi ý sản phẩm phù hợp theo từng nhu cầu riêng biệt. Chatbot hoạt động 24/7, sẵn sàng hỗ trợ và tư vấn kịp thời mọi thắc mắc của khách hàng. TỰ ĐỘNG ĐẦU TƯ - TỐI ƯU SINH LỜI Tính năng đầu tư tự động lần đầu tiên ra mắt, cho phép khách hàng sử dụng hiệu quả dòng tiền nhàn rỗi bằng cách tự động gửi tiết kiệm mỗi ngày, đồng thời vẫn đảm bảo khả năng chi tiêu linh hoạt. QUẢN LÝ TÀI CHÍNH THÔNG MINH Dễ dàng theo dõi thu – chi hàng tháng với báo cáo trực quan, chính xác. Hỗ trợ phân bổ nguồn tiền hiệu quả thông qua các công cụ lập kế hoạch tài chính cá nhân linh hoạt. HỆ SINH THÁI TIỆN ÍCH HƠN CẢ 1 NGÂN HÀNG Chỉ với một ứng dụng duy nhất, khách hàng có thể: Thanh toán hóa đơn điện, nước, viễn thông, truyền hình... Mua sắm, đặt vé xem phim, đặt phòng khách sạn, giao hàng, giải trí,... Hàng trăm tiện ích tích hợp sẵn sàng đáp ứng mọi nhu cầu sống hiện đại. AN TOÀN TUYỆT ĐỐI – BẢO MẬT TỐI ƯU Đăng nhập duy nhất bằng số điện thoại và một mật khẩu trên mọi thiết bị: web, điện thoại, smartwatch, bàn phím thông minh. Giao dịch an toàn với các phương thức xác thực: Smart OTP, sinh trắc học,... Cảnh báo tức thời các giao dịch có dấu hiệu gian lận, lừa đảo. MIỄN PHÍ TOÀN DIỆN CÁC LOẠI PHÍ DỊCH VỤ Phí chuyển tiền trong & ngoài hệ thống Phí duy trì dịch vụ Phí quản lý tài khoản mặc định Phí tin nhắn OTT Phí phát hành & phí thường niên trọn đời thẻ phi vật lý phát hành trên SmartBanking ĐĂNG KÝ DỄ DÀNG Online bằng eKYC trên ứng dụng SmartBanking Tại các điểm giao dịch BIDV trên toàn quốc Thông tin chi tiết: Website: https://www.bidv.com.vn Trụ sở chính: Tháp BIDV, 194 Trần Quang Khải, Hoàn Kiếm, Hà Nội Tổng đài CSKH 24/7: 1900 9247
Screenshots
Verdict
The clearest difference is rating: BIDV SmartBanking at 3.8 against MSB mBank's 3.2. BIDV SmartBanking also leads on ads (none vs shown) and review sentiment (65% vs 36%). MSB mBank's advantage is iOS requirement (12.0 vs 15.0). On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
BIDV SmartBanking holds the better App Store score, 3.8 against 3.2. That said, the two scores are not equally well evidenced: BIDV SmartBanking has 767 ratings behind it against 105, so its average is the more settled of the two. Written reviews point the same way: 36% of MSB mBank's written reviews are positive against 65% of BIDV SmartBanking's.
MSB mBank ships an update every 3 weeks, BIDV SmartBanking fortnightly. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.
| Parameter | MSB mBank | BIDV SmartBanking |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (105 ratings) | 3.8 (767 ratings) — better |
| Positive reviews | 36.4% of reviews | 64.5% of reviews — better |
| Number of ratings | 105 | 767 — better |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPod, Apple Watch |
| Requires iOS | 12.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 214 MB | 786 MB |
| Age rating | 4+ | 4+ |
| Developer | Vietnam Maritime Commercial Joint Stock Bank | BIDV |
Customer experience
MSB mBank
BIDV SmartBanking
User reviews
MSB mBank
From 105 App Store ratingsWhat we love
- 👍 Easy to use
- 👍 Beautiful interface
- 🚀 Fast transactions
- 👍 Convenient
- 👍 Smart and fast app
Room to improve
- 🐛 Login issues
- 🐛 Frequent ads
- 🐛 App crashes/errors
- 🐛 Poor customer service
- 🐛 Confusing interface
BIDV SmartBanking
From 767 App Store ratingsWhat we love
- 🚀 Fast and efficient
- 🔒 Secure and reliable
- 👍 User-friendly interface
- 💡 Innovative features
- 🛒 Convenient shopping and payment options
Room to improve
- 🐛 Frequent crashes and bugs
- 🔍 Difficult account management
- 🕰️ Slow response times
- 💳 Excessive fees and charges
- 🤖 Poor customer support
Bugs and requests
MSB mBank
Reported bugs
12 issues- Login issues, incorrect password messages
- App crashes or exits unexpectedly
- NFC CCCD scan not working
- Advertisements popping up during critical actions (e.g., entering passcode)
- Transaction notifications delayed or not updated properly
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- App not accessible on certain devices (e.g., 13 Pro Max)
- Activation process fails repeatedly
- System rejects app activation
- FaceID login not working
- OTP not sent
- Unable to transfer money between banks after update
- App interface laggy or displays poorly after update
Requested features
2 requests- Dedicated interface for M First customers
- Full screen app for iPad
BIDV SmartBanking
Reported bugs
5 issues- Inability to create new accounts
- Inconsistent facial recognition
- Delayed SMS OTP delivery
- Sync issues between devices
- Unexpected app crashes
Requested features
5 requests- Biometric login options
- Improved transaction history
- Customizable notifications
- Integration with third-party services
- Enhanced security features
In-app purchases
MSB mBank
No in-app purchases
BIDV SmartBanking
No in-app purchases
