Comparison

MSB mBank vs SACOMBANK PAY

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

Head to head
About

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.

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
Read full description

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

About

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.

Highlights
  • 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
Features
Read full description

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

MSB mBank4 screens
SACOMBANK PAY4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard3 real differences · 7 level
MSB mBank versus SACOMBANK PAY: the parameters behind the verdict, then further details
ParameterMSB mBankSACOMBANK PAY
PriceFreeFree
Rating3.2 (105 ratings)3.5 (301 ratings) — better
Positive reviews36.4% of reviews41.5% of reviews — better
Number of ratings105301 — better
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsYesYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.0 — better13.0
Further details — not scored
Size214 MB272 MB
Age rating4+4+
DeveloperVietnam Maritime Commercial Joint Stock BankSAIGON TREASURE COMMERCIAL JOINT STOCK BANK

Customer experience

MSB mBank

All ratings104 ratings
Positive49.0%
Neutral7.7%
Negative43.3%
Written reviews118 reviews
Positive36.4%
Neutral4.2%
Negative59.3%

SACOMBANK PAY

All ratings297 ratings
Positive59.3%
Neutral4.4%
Negative36.4%
Written reviews246 reviews
Positive41.5%
Neutral4.9%
Negative53.7%

User reviews

MSB mBank

From 105 App Store ratings

What 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 ratings

What 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
Show 7 more
  • 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

None

MSB mBank

No in-app purchases

None

SACOMBANK PAY

No in-app purchases

Questions

Is MSB mBank free?
MSB mBank is free to download, with no in-app purchases.
Is SACOMBANK PAY free?
SACOMBANK PAY is free to download, with no in-app purchases.
Which has better reviews, MSB mBank or SACOMBANK PAY?
SACOMBANK PAY is rated higher. MSB mBank averages 3.2 out of 5 from 105 ratings, while SACOMBANK PAY averages 3.5 from 301 ratings.
Do MSB mBank or SACOMBANK PAY have ads?
Both MSB mBank and SACOMBANK PAY show ads.
Which is updated more often, MSB mBank or SACOMBANK PAY?
MSB mBank ships an update every 3 weeks, and SACOMBANK PAY every 2 months. Most recently, MSB mBank was updated on November 1, 2026 and SACOMBANK PAY on November 2, 2026.

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