# VCB Digibank vs VNPAY App

The clearest difference is rating: VNPAY App at 4.3 against VCB Digibank's 3.3. VNPAY App also leads on review sentiment (55% vs 27%). 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.

VNPAY App holds the better App Store score, 4.3 against 3.3. Both are backed by a comparable volume of ratings — 906 and 660 respectively. Written reviews point the same way: 27% of VCB Digibank's written reviews are positive against 55% of VNPAY App's.

VCB Digibank ships an update every 2 weeks, VNPAY App every 10 days. The most recent releases landed on September 24, 2026 and September 10, 2026 respectively.

## The numbers

| Metric | VCB Digibank | VNPAY App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (906 ratings)](https://appshunter.io/ios/app/vcb-digibank/id561433133/reviews) | **[4.3 (660 ratings)](https://appshunter.io/ios/app/vnpay-app/id1470378562/reviews)** |
| Number of ratings | **906** | 660 |
| Positive reviews | 26.8% of reviews | **55.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 10 days** |
| Monetization | Free | Free |
| Size | 876 MB | 494 MB |
| Requires iOS | 14.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Vietcombank JSC](https://appshunter.io/developer/944568123) | [VNPAY](https://appshunter.io/developer/443364658) |

## 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


### VNPAY App

[App page](https://appshunter.io/ios/app/vnpay-app/id1470378562)

This app is a comprehensive payment and shopping platform integrating transportation, entertainment, and retail. It offers multiple secure payment options and a wide range of services for daily life, including shopping, booking travel, and purchasing entertainment tickets.

**Highlights:** Multiple secure payment methods, QR code scanning, Online shopping on VnShop, Book taxis, flights, trains, buses, Purchase movie and event tickets, Buy now, pay later services, Consumer loans

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

**In-app purchases:** none

**What reviewers like**

- 💳 Convenient payment options
- 💰 Many discount codes and promotions
- 🚀 Fast and smooth transactions
- 🇻🇳 Supports national celebrations

**What reviewers complain about**

- 🤔 Compatibility issues with foreign cards
- 🤖 Poor customer support
- 🚫 Merchants not accepting VNPAY QR codes
- 🔒 Unreliable identity verification

**Reported bugs**

- Frequent connection errors
- Issues with payment processing and refunds
- App crashes during transactions

**Requested features**

- Expand merchant network to accept VNPAY QR
- Improve in-app support and troubleshooting
- Allow more flexibility in identity verification


## Frequently asked questions

### Is VCB Digibank free?

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

### Is VNPAY App free?

VNPAY App is free to download, with no in-app purchases.

### Which has better reviews, VCB Digibank or VNPAY App?

VNPAY App is rated higher. VCB Digibank averages 3.3 out of 5 from 906 ratings, while VNPAY App averages 4.3 from 660 ratings.

### Do VCB Digibank or VNPAY App have ads?

Neither VCB Digibank nor VNPAY App shows ads.

### Which is updated more often, VCB Digibank or VNPAY App?

VCB Digibank ships an update every 2 weeks, and VNPAY App every 10 days. Most recently, VCB Digibank was updated on September 24, 2026 and VNPAY App on September 10, 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.*