MSB mBank vs Allo Bank
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
Allo Bank
This digital banking app simplifies transactions, savings, and installments with high interest rates, instant withdrawals, and cashback. It offers flexible savings options, collateral-free installments, and secure online shopping features. All financial needs are managed securely and efficiently within one platform.
- High interest savings rates
- Flexible installments with 0% interest
- QRIS payments
- Unlimited free interbank transfers
- Virtual Debit Card and Account
- Cashback and daily promos
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Build your financial future with Allo Bank, Indonesia’s digital banking app that makes transactions, savings, and installments easier than ever. Enjoy high interest rates, instant withdrawals, 0% installments, and daily cashback. All your financial needs: secure, fast, and supervised by OJK, all in one app. ENJOY THESE BENEFITS WITH ALLO BANK - Savings interest up to 9% p.a. - Allo PayLater: flexible installments, high limit, and 0% interest for the first month - QRIS payments with Allo Prime & Allo PayLater at thousands of merchants - Unlimited free interbank transfers via BI-FAST - Instant withdrawals in real time - Virtual Debit Card & Virtual Account for online transactions anywhere FLEXIBLE & TERM SAVINGS IN ONE APP Grow your money with Allo Grow: earn up to 6.5% p.a., interest paid daily, no lock-in period, and withdraw anytime without losing interest. Secure your future with Allo Deposito: earn up to 8% p.a. with fixed returns for maximum savings growth. ALLO PAYLATER: EASY INSTALLMENTS & HIGH LIMITS A fast, flexible, collateral-free installment solution. - Limit up to Rp100 million - 0% installments for the first month - Tenors from 90 days to 36 months - Monthly fees from 0.1% (APR 1.2%–76%)* - Instant Cash Withdrawals anytime, anywhere - Shop with QRIS Allo PayLater and enjoy hundreds of promos - Perfect for daily needs, emergencies, and big purchases QRIS Simulation – Rp1,000,000 - 3 months: Rp349,798 - 6 months: Rp181,247 - 12 months: Rp97,192 Instant Withdrawal Simulation – Rp3,000,000 - 3 months: Rp1,039,251 - 6 months: Rp534,674 - 12 months: Rp282,808 - 24 months: Rp157,716 *Estimated; may vary based on credit history, customer profile, and bank policy. EASILY INCREASE YOUR LIMIT The Limit Up feature helps you grow your Allo PayLater limit through routine transactions and on-time payments. Build your credit profile more easily: useful for future financing needs like vehicle loans or mortgages. CASHBACK, DISCOUNTS & DAILY PROMOS Save more at top merchants such as: Indomaret, VIVO, Metro, Transmart, Wendy’s, Baskin Robbins, The Coffee Bean & Tea Leaf, and many more. Popular promos: - Rabu Serbu: Deposito up to 9% p.a. - Allo Grow Bonus Rp100K SAFE, TRUSTED, SUPERVISED BY OJK Allo Bank is operated by PT Allo Bank Indonesia Tbk, a licensed digital bank supervised by the Financial Services Authority (OJK) and a member of LPS deposit insurance. Your transactions, data, and funds are protected. SHOP ONLINE EASILY With the Virtual Debit Card, you can: - Shop online from anywhere in the world - Access global streaming & subscription services - Transact securely with extra protection - Enjoy cashback & discounts on e-commerce, transport, and travel Allo Bank always has exciting promos to boost your savings and benefits! CONTACT US PT Allo Bank Indonesia Tbk Menara Bank Mega Lt. 5 & 6 Jl. Kapten P. Tendean No. Kav. 12–14A South Jakarta, DKI Jakarta 12790 Allo Care: 080 4110 4110 WhatsApp: 0822 0822 4110 Follow us: Instagram: @AlloBank X: @AlloBankID YouTube: @AlloBankIndonesia TikTok: @AlloBankID
Screenshots
Verdict
The clearest difference is ratings volume: MSB mBank at 105 against Allo Bank's 9. MSB mBank also leads on monetization model (free vs ad-supported) and iOS requirement (12.0 vs 16.6). On price, rating, review sentiment and update cadence 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.
Allo Bank holds the better App Store score, 3.3 against 3.2. That said, the two scores are not equally well evidenced: MSB mBank has 105 ratings behind it against 9, 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 41% of Allo Bank's.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | MSB mBank | Allo Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (105 ratings) | 3.3 (9 ratings) — better |
| Positive reviews | 36.4% of reviews | 40.7% of reviews — better |
| Number of ratings | 105 — better | 9 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 12.0 — better | 16.6 |
| Further details — not scored | ||
| Size | 214 MB | 129 MB |
| Age rating | 4+ | 4+ |
| Developer | Vietnam Maritime Commercial Joint Stock Bank | allobank |
Customer experience
MSB mBank
Allo Bank
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
Allo Bank
Not enough reviews yet to summarise bugs or requests.
In-app purchases
MSB mBank
No in-app purchases
Allo Bank
No in-app purchases
