# MSB mBank vs BIDV SmartBanking

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.

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.

## The numbers

| Metric | MSB mBank | BIDV SmartBanking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (105 ratings)](https://appshunter.io/ios/app/msb-mbank/id436134873/reviews) | **[3.8 (767 ratings)](https://appshunter.io/ios/app/bidv-smartbanking/id1061867449/reviews)** |
| Number of ratings | 105 | **767** |
| Positive reviews | 36.4% of reviews | **64.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 214 MB | 786 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPod, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Vietnam Maritime Commercial Joint Stock Bank](https://appshunter.io/developer/1448568155) | [BIDV](https://appshunter.io/developer/483349917) |

## What reviewers say

### MSB mBank

[App page](https://appshunter.io/ios/app/msb-mbank/id436134873)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Beautiful interface
- 🚀 Fast transactions
- 👍 Convenient
- 👍 Smart and fast app

**What reviewers complain about**

- 🐛 Login issues
- 🐛 Frequent ads
- 🐛 App crashes/errors
- 🐛 Poor customer service
- 🐛 Confusing interface

**Reported bugs**

- 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

**Requested features**

- Dedicated interface for M First customers
- Full screen app for iPad


### BIDV SmartBanking

[App page](https://appshunter.io/ios/app/bidv-smartbanking/id1061867449)

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.

**Highlights:** 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

**Features:** Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 🔒 Secure and reliable
- 👍 User-friendly interface
- 💡 Innovative features
- 🛒 Convenient shopping and payment options

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🔍 Difficult account management
- 🕰️ Slow response times
- 💳 Excessive fees and charges
- 🤖 Poor customer support

**Reported bugs**

- Inability to create new accounts
- Inconsistent facial recognition
- Delayed SMS OTP delivery
- Sync issues between devices
- Unexpected app crashes

**Requested features**

- Biometric login options
- Improved transaction history
- Customizable notifications
- Integration with third-party services
- Enhanced security features


## Frequently asked questions

### Is MSB mBank free?

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

### Is BIDV SmartBanking free?

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

### Which has better reviews, MSB mBank or BIDV SmartBanking?

BIDV SmartBanking is rated higher. MSB mBank averages 3.2 out of 5 from 105 ratings, while BIDV SmartBanking averages 3.8 from 767 ratings.

### Do MSB mBank or BIDV SmartBanking have ads?

MSB mBank shows ads; BIDV SmartBanking does not.

### Which is updated more often, MSB mBank or BIDV SmartBanking?

MSB mBank ships an update every 3 weeks, and BIDV SmartBanking fortnightly. Most recently, MSB mBank was updated on October 23, 2026 and BIDV SmartBanking on October 24, 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.*