# VCB Digibank vs PHS

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.

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.

## The numbers

| Metric | VCB Digibank | PHS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (926 ratings)](https://appshunter.io/ios/app/vcb-digibank/id561433133/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/phs-mobile-trading/id1511472087/reviews)** |
| Number of ratings | **926** | 1 |
| Positive reviews | **26.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 883 MB | 53 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) | [PHU HUNG SECURITIES CORPORATION](https://appshunter.io/developer/1511472086) |

## 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


### PHS

[App page](https://appshunter.io/ios/app/phs-mobile-trading/id1511472087)

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.

**Highlights:** Online securities trading orders, Online money transfers, Real-time price board, Financial asset P/L tracking, Multi-language support (Vietnamese, English, Chinese)

**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 PHS free?

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

### Which has better reviews, VCB Digibank or PHS?

PHS is rated higher. VCB Digibank averages 3.3 out of 5 from 926 ratings, while PHS averages 5.0 from 1 ratings.

### Do VCB Digibank or PHS have ads?

Neither VCB Digibank nor PHS shows ads.

### Which is updated more often, VCB Digibank or PHS?

VCB Digibank ships an update every 2 weeks, and PHS every 5 weeks. Most recently, VCB Digibank was updated on October 29, 2026 and PHS on October 12, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*