# MSB mBank vs SACOMBANK PAY

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.

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.

## The numbers

| Metric | MSB mBank | SACOMBANK PAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (105 ratings)](https://appshunter.io/ios/app/msb-mbank/id436134873/reviews) | **[3.5 (301 ratings)](https://appshunter.io/ios/app/sacombank-pay/id1436283663/reviews)** |
| Number of ratings | 105 | **301** |
| Positive reviews | 36.4% of reviews | **41.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 214 MB | 272 MB |
| Requires iOS | **12.0** | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Vietnam Maritime Commercial Joint Stock Bank](https://appshunter.io/developer/1448568155) | [SAIGON TREASURE COMMERCIAL JOINT STOCK BANK](https://appshunter.io/developer/860668140) |

## 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


### SACOMBANK PAY

[App page](https://appshunter.io/ios/app/sacombank-pay/id1436283663)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 👍 User-friendly and intuitive
- 🔒 Secure and reliable
- 💡 Innovative features
- 🤑 Convenient for banking needs

**What reviewers complain about**

- 🐛 Frequent bugs and crashes
- ⏱️ Slow performance and lags
- 🔍 Lacking in-app support
- 💰 Unexpected fees and charges
- 🤖 Poor user experience

**Reported bugs**

- 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**

- Improved transaction history and notifications
- Biometric authentication options
- Customizable app settings
- Enhanced security measures
- Seamless integration with other financial services


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*