VCB Digibank vs PHS
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
PHS
This finance app allows users to trade securities online, transfer money, view real-time stock prices, and track their financial asset profits and losses. It supports iOS devices and is available in Vietnamese, English, and Chinese.
- Online securities trading orders
- Online money transfers
- Real-time price board
- Financial asset P/L tracking
- Multi-language support (Vietnamese, English, Chinese)
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This software can be operated on mobile phones and tablets of iOS operating systems. PHS-Mobile Trading provides investors with online securities trading tools, such as: • Placing securities trading orders. • Transferring money online. • Real-time price board. • Tracking financial asset P/L situation. PHS-Mobile Trading also supports all three languages, including Vietnamese, English and Chinese
Screenshots
Verdict
The clearest difference is rating: PHS at 5.0 against VCB Digibank's 3.3. PHS also leads on iOS requirement (13.0 vs 15.0). VCB Digibank's advantage is review sentiment (27% vs 0%) and ratings volume (926 vs 1). On price, ads, in-app purchases and monetization model 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.
PHS holds the better App Store score, 5.0 against 3.3. That said, the two scores are not equally well evidenced: VCB Digibank has 926 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 27% of VCB Digibank's written reviews are positive against 0% of PHS'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, PHS every 5 weeks. The most recent releases landed on October 29, 2026 and October 12, 2026 respectively.
| Parameter | VCB Digibank | PHS |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (926 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 26.7% of reviews — better | 0.0% of reviews |
| Number of ratings | 926 — better | 1 |
| Update frequency | Every 2 weeks — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 883 MB | 53 MB |
| Age rating | 4+ | 4+ |
| Developer | Vietcombank JSC | PHU HUNG SECURITIES CORPORATION |
Customer experience
VCB Digibank
PHS
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
PHS
Not enough reviews yet to summarise bugs or requests.
In-app purchases
VCB Digibank
No in-app purchases
PHS
No in-app purchases
