# VCB Digibank vs Agribank Soft Token

The clearest difference is rating: VCB Digibank at 3.3 against Agribank Soft Token's 2.1. VCB Digibank also leads on ratings volume (929 vs 16) and update cadence (every 2 weeks vs monthly). Agribank Soft Token's advantage is review sentiment (59% vs 27%) and iOS requirement (9.0 vs 14.0). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

VCB Digibank holds the better App Store score, 3.3 against 2.1. That said, the two scores are not equally well evidenced: VCB Digibank has 929 ratings behind it against 16, so its average is the more settled of the two. Written reviews complicate that: 27% of VCB Digibank's written reviews are positive against 59% of Agribank Soft Token's, so the app with the better star average is not the one people write more warmly about.

VCB Digibank ships an update every 2 weeks, Agribank Soft Token monthly. Both last shipped on October 24, 2026.

## The numbers

| Metric | VCB Digibank | Agribank Soft Token |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.3 (929 ratings)](https://appshunter.io/ios/app/vcb-digibank/id561433133/reviews)** | [2.1 (16 ratings)](https://appshunter.io/ios/app/agribank-soft-token/id1457321422/reviews) |
| Number of ratings | **929** | 16 |
| Positive reviews | 26.7% of reviews | **58.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | Free | Free |
| Size | 874 MB | 25 MB |
| Requires iOS | 14.0 | **9.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Vietcombank JSC](https://appshunter.io/developer/944568123) | [VIETNAM BANK FOR AGRICULTURE AND RURAL DEVELOPMENT](https://appshunter.io/developer/1414275684) |

## 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


### Agribank Soft Token

[App page](https://appshunter.io/ios/app/agribank-soft-token/id1457321422)

This application generates one-time passwords (OTP) for secure online banking transactions. It enhances the safety and convenience of managing your finances from your mobile device anytime, anywhere. Registration requires contacting the bank's customer care center.

**Highlights:** OTP code generation, Secure online banking, Mobile transaction convenience, Anytime, anywhere access, Enhanced transaction safety

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is VCB Digibank free?

VCB Digibank is free to download, with no in-app purchases.

### Is Agribank Soft Token free?

Agribank Soft Token is free to download, with no in-app purchases.

### Which has better reviews, VCB Digibank or Agribank Soft Token?

VCB Digibank is rated higher. VCB Digibank averages 3.3 out of 5 from 929 ratings, while Agribank Soft Token averages 2.1 from 16 ratings.

### Do VCB Digibank or Agribank Soft Token have ads?

Neither VCB Digibank nor Agribank Soft Token shows ads.

### Which is updated more often, VCB Digibank or Agribank Soft Token?

VCB Digibank ships an update every 2 weeks, and Agribank Soft Token monthly. Most recently, VCB Digibank was updated on October 24, 2026 and Agribank Soft Token on October 24, 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.*