MSB mBank vs SACOMBANK PAY
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
SACOMBANK PAY
Manage your finances with a modern, secure, and convenient app. Enjoy free transactions, easy bill payments, and quick access to banking services like savings and loans. Update your personal information securely and redeem loyalty points for rewards.
- Free 24/7 transactions
- Biometric and Smart OTP security
- QR code and Apple Pay integration
- Account balance and statement viewing
- Open savings, apply for loans
- Update personal information
- Bill payments and top-ups
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Welcome to SACOMBANK PAY – the modern and ultra-convenient financial management app that makes your life easier and more enjoyable! With a friendly and customized design, you will love the secure transaction space tailored just for you! Key Highlights: - Enjoy free transactions 24/7, fast and free with a limit of up to 50 billion VND/day! - Absolute Security! Biometric technology and Smart OTP keep your transactions safe. - Exciting Payments! Scan domestic and international QR codes, or integrate your card to Apple Pay in a flash! - Easy Financial Management! Check your balance, view statements and fund deposit alert sharing with up to 5 current accounts. - Convenient Banking Services! Open savings, apply for Loans with disbursement in just 5 minutes, and quickly open current accounts and get your cards issued! - Flexible personal information updates! Update your details using a chip-based ID card/national ID or via a VNeID electronic identification account. - Diverse Payment Ecosystem! Pay bills, top up, book tickets… all in one fabulous app! - Redeem SACOMBANK Sapphire points for even more exciting incentives! Then what are you waiting for? Download or update the app now, complete your online authentication and start your amazing journey right away!
Screenshots
Verdict
The clearest difference is monetization model: MSB mBank at free against SACOMBANK PAY's free with in-app purchases. MSB mBank also leads on update cadence (every 3 weeks vs every 2 months). SACOMBANK PAY's advantage is rating (3.5 vs 3.2). On price, review sentiment, ratings volume and ads 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.
SACOMBANK PAY holds the better App Store score, 3.5 against 3.2. Both are backed by a comparable volume of ratings — 105 and 301 respectively. Written reviews point the same way: 36% of MSB mBank's written reviews are positive against 41% of SACOMBANK PAY's.
MSB mBank ships an update every 3 weeks, SACOMBANK PAY every 2 months. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.
| Parameter | MSB mBank | SACOMBANK PAY |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (105 ratings) | 3.5 (301 ratings) — better |
| Positive reviews | 36.4% of reviews | 41.5% of reviews — better |
| Number of ratings | 105 | 301 — better |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 214 MB | 272 MB |
| Age rating | 4+ | 4+ |
| Developer | Vietnam Maritime Commercial Joint Stock Bank | SAIGON TREASURE COMMERCIAL JOINT STOCK BANK |
Customer experience
MSB mBank
SACOMBANK PAY
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
SACOMBANK PAY
From 301 App Store ratingsWhat we love
- 🚀 Fast and efficient
- 👍 User-friendly and intuitive
- 🔒 Secure and reliable
- 💡 Innovative features
- 🤑 Convenient for banking needs
Room to improve
- 🐛 Frequent bugs and crashes
- ⏱️ Slow performance and lags
- 🔍 Lacking in-app support
- 💰 Unexpected fees and charges
- 🤖 Poor user experience
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
SACOMBANK PAY
Reported bugs
5 issues- Login issues and account access problems
- Unreliable fund transfers and balance updates
- Compatibility issues with newer devices
- Frequent app crashes and freezes
- Inaccurate transaction records
Requested features
5 requests- Improved transaction history and notifications
- Biometric authentication options
- Customizable app settings
- Enhanced security measures
- Seamless integration with other financial services
In-app purchases
MSB mBank
No in-app purchases
SACOMBANK PAY
No in-app purchases









