# VCB Digibank vs BIDV SmartBanking

The clearest difference is review sentiment: BIDV SmartBanking at 65% against VCB Digibank's 27%. BIDV SmartBanking also leads on rating (3.8 vs 3.3). On price, ratings volume, update cadence 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.

BIDV SmartBanking holds the better App Store score, 3.8 against 3.3. Both are backed by a comparable volume of ratings — 929 and 774 respectively. Written reviews point the same way: 27% of VCB Digibank's written reviews are positive against 65% of BIDV SmartBanking's.

VCB Digibank ships an update every 2 weeks, BIDV SmartBanking fortnightly. The most recent releases landed on October 24, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | VCB Digibank | BIDV SmartBanking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (929 ratings)](https://appshunter.io/ios/app/vcb-digibank/id561433133/reviews) | **[3.8 (774 ratings)](https://appshunter.io/ios/app/bidv-smartbanking/id1061867449/reviews)** |
| Number of ratings | **929** | 774 |
| Positive reviews | 26.7% of reviews | **64.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Fortnightly |
| Monetization | Free | Free |
| Size | 874 MB | 786 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Vietcombank JSC](https://appshunter.io/developer/944568123) | [BIDV](https://appshunter.io/developer/483349917) |

## What reviewers say

### VCB Digibank

[App page](https://appshunter.io/ios/app/vcb-digibank/id561433133)

This digital banking app allows millions of users to manage their finances with ease. It offers fee-free transactions, personalized interfaces, and a wide range of financial services including payments, savings, and investments.

**Highlights:** Online registration, Fee-free transactions, Account number matching phone number, Personal finance management, QR code transfers and withdrawals, Bill payments and mobile top-ups

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast money transfer
- 👍 Useful and cutting edge app
- 🔒 Secure app
- 👍 Intuitive and user-friendly interface
- 👍 Comprehensive banking and financial services

**What reviewers complain about**

- 🐛 Frequent crashes and errors
- 🐛 Unstable and unreliable
- 🐛 Forced updates and poor change management
- 🐛 Difficult to use and navigate
- 🐛 Lack of English support

**Reported bugs**

- Login screen freezes
- Incompatible with older devices
- Frequent service disruptions
- Issues with Face ID and biometric authentication
- Inability to copy and paste information

**Requested features**

- Add option to disable frequent updates
- Improve accessibility and support for screen readers
- Provide better English language support
- Allow internal bank transfers between Vietcombank accounts
- Enhance security without compromising user experience


### 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 VCB Digibank free?

VCB Digibank 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, VCB Digibank or BIDV SmartBanking?

BIDV SmartBanking is rated higher. VCB Digibank averages 3.3 out of 5 from 929 ratings, while BIDV SmartBanking averages 3.8 from 774 ratings.

### Do VCB Digibank or BIDV SmartBanking have ads?

Neither VCB Digibank nor BIDV SmartBanking shows ads.

### Which is updated more often, VCB Digibank or BIDV SmartBanking?

VCB Digibank ships an update every 2 weeks, and BIDV SmartBanking fortnightly. Most recently, VCB Digibank was updated on October 24, 2026 and BIDV SmartBanking on October 26, 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.*