VCB Digibank vs SACOMBANK PAY
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
VCB Digibank
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.
- Online registration
- Fee-free transactions
- Account number matching phone number
- Personal finance management
- QR code transfers and withdrawals
- Bill payments and mobile top-ups
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VCB Digibank is the digital banking application for personal customers by Vietcombank (the largest capitalized bank in Vietnam). VCB Digibank has been chosen by tens of millions of customers to conduct their daily financial transactions. VCB Digibank incorporates numerous breakthrough technologies along with unique services, providing simple and exciting experiences for customers: - Online registration in just a few minutes. - No transfer fees, no registration fees, no maintenance fees. - Free account number matching phone number, free account nickname. - Personal finance management, group account. - Interface selection according to preference. - Transferring money, and cash withdrawal using QR code. - And hundreds of other financial transactions: Savings deposits; Loan disbursement; Payment of electricity/water/telecom bills; Mobile phone top-up; Investment and insurance; Booking taxis, plane tickets, train tickets... For more information, visit: Website: https://www.vietcombank.com.vn Hotline: 1900 54 54 13 Address: 198 Tran Quang Khai Street, Hoan Kiem District, Hanoi City, Vietnam
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 ads: VCB Digibank at none against SACOMBANK PAY's shown. VCB Digibank also leads on monetization model (free vs free with in-app purchases) and update cadence (every 2 weeks vs every 2 months). SACOMBANK PAY's advantage is review sentiment (41% vs 27%) and iOS requirement (13.0 vs 15.0). On price, rating, in-app purchases and device support 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.
On the App Store both sit at effectively the same score — 3.3 for VCB Digibank against 3.5 for SACOMBANK PAY. Both are backed by a comparable volume of ratings — 938 and 301 respectively. Written reviews are what separate them: 27% of VCB Digibank's written reviews are positive against 41% of SACOMBANK PAY's.
VCB Digibank ships an update every 2 weeks, SACOMBANK PAY every 2 months. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.
| Parameter | VCB Digibank | SACOMBANK PAY |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (938 ratings) | 3.5 (301 ratings) — better |
| Positive reviews | 26.7% of reviews | 41.5% of reviews — better |
| Number of ratings | 938 — better | 301 |
| Update frequency | Every 2 weeks — better | Every 2 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 883 MB | 272 MB |
| Age rating | 4+ | 4+ |
| Developer | Vietcombank JSC | SAIGON TREASURE COMMERCIAL JOINT STOCK BANK |
Customer experience
VCB Digibank
SACOMBANK PAY
User reviews
VCB Digibank
From 938 App Store ratingsWhat we love
- 🚀 Fast money transfer
- 👍 Useful and cutting edge app
- 🔒 Secure app
- 👍 Intuitive and user-friendly interface
- 👍 Comprehensive banking and financial services
Room to improve
- 🐛 Frequent crashes and errors
- 🐛 Unstable and unreliable
- 🐛 Forced updates and poor change management
- 🐛 Difficult to use and navigate
- 🐛 Lack of English support
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
VCB Digibank
Reported bugs
5 issues- 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
5 requests- 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
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
VCB Digibank
No in-app purchases
SACOMBANK PAY
No in-app purchases
