# VCB Digibank vs ACB ONE

The clearest difference is ads: VCB Digibank at none against ACB ONE's shown. VCB Digibank also leads on monetization model (free vs free with in-app purchases) and review sentiment (27% vs 16%). On price, rating, update cadence and in-app purchases 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 3.4 for ACB ONE. That said, the two scores are not equally well evidenced: VCB Digibank has 906 ratings behind it against 160, so its average is the more settled of the two. Written reviews are what separate them: 27% of VCB Digibank's written reviews are positive against 16% of ACB ONE's.

VCB Digibank ships an update every 2 weeks, ACB ONE fortnightly. The most recent releases landed on September 24, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | VCB Digibank | ACB ONE |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (906 ratings)](https://appshunter.io/ios/app/vcb-digibank/id561433133/reviews) | **[3.4 (160 ratings)](https://appshunter.io/ios/app/acb-one/id950141024/reviews)** |
| Number of ratings | **906** | 160 |
| Positive reviews | **26.8% of reviews** | 15.9% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 2 weeks** | Fortnightly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 876 MB | 256 MB |
| Requires iOS | **14.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Vietcombank JSC](https://appshunter.io/developer/944568123) | [ASIA COMMERCIAL JOINT STOCK BANK](https://appshunter.io/developer/950141023) |

## 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


### ACB ONE

[App page](https://appshunter.io/ios/app/acb-one/id950141024)

This digital banking app offers a 100% online experience for managing accounts, debit cards, and digital banking services. It provides free fund transfers, account management, and a unique, easy-to-remember account number. Upgrade your account via video call with AI-powered facial recognition for enhanced benefits and security.

**Highlights:** 100% online account setup, Free fund transfers and account management, Video call account upgrades with facial recognition, In-app OTP verification for secure transactions, Earn and redeem reward points, Online savings and insurance purchases, QR code transactions and bill payments

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is VCB Digibank free?

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

### Is ACB ONE free?

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

### Which has better reviews, VCB Digibank or ACB ONE?

ACB ONE is rated higher. VCB Digibank averages 3.3 out of 5 from 906 ratings, while ACB ONE averages 3.4 from 160 ratings.

### Do VCB Digibank or ACB ONE have ads?

ACB ONE shows ads; VCB Digibank does not.

### Which is updated more often, VCB Digibank or ACB ONE?

VCB Digibank ships an update every 2 weeks, and ACB ONE fortnightly. Most recently, VCB Digibank was updated on September 24, 2026 and ACB ONE on September 22, 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.*