# VCB Digibank vs SACOMBANK PAY

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.

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.

## The numbers

| Metric | VCB Digibank | SACOMBANK PAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (938 ratings)](https://appshunter.io/ios/app/vcb-digibank/id561433133/reviews) | **[3.5 (301 ratings)](https://appshunter.io/ios/app/sacombank-pay/id1436283663/reviews)** |
| Number of ratings | **938** | 301 |
| Positive reviews | 26.7% of reviews | **41.5% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 883 MB | 272 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Vietcombank JSC](https://appshunter.io/developer/944568123) | [SAIGON TREASURE COMMERCIAL JOINT STOCK BANK](https://appshunter.io/developer/860668140) |

## 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


### 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 VCB Digibank free?

VCB Digibank 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, VCB Digibank or SACOMBANK PAY?

SACOMBANK PAY is rated higher. VCB Digibank averages 3.3 out of 5 from 938 ratings, while SACOMBANK PAY averages 3.5 from 301 ratings.

### Do VCB Digibank or SACOMBANK PAY have ads?

SACOMBANK PAY shows ads; VCB Digibank does not.

### Which is updated more often, VCB Digibank or SACOMBANK PAY?

VCB Digibank ships an update every 2 weeks, and SACOMBANK PAY every 2 months. Most recently, VCB Digibank 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.*