# VCB Smart OTP vs ACB SafeKey

The clearest difference is update cadence: ACB SafeKey at every 3 weeks against VCB Smart OTP's every 6 months. VCB Smart OTP's advantage is rating (3.4 vs 3.0) and review sentiment (20% vs 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 Smart OTP holds the better App Store score, 3.4 against 3.0. That said, the two scores are not equally well evidenced: VCB Smart OTP has 73 ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 20% of VCB Smart OTP's written reviews are positive against 0% of ACB SafeKey's.

VCB Smart OTP ships an update every 6 months, ACB SafeKey every 3 weeks. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | VCB Smart OTP | ACB SafeKey |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (73 ratings)](https://appshunter.io/ios/app/vcb-smart-otp/id944568124/reviews)** | [3.0 (13 ratings)](https://appshunter.io/ios/app/acb-safekey/id1446756333/reviews) |
| Number of ratings | **73** | 13 |
| Positive reviews | **19.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 21 MB | 34 MB |
| Requires iOS | **14.0** | 15.0 |
| 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 Smart OTP

[App page](https://appshunter.io/ios/app/vcb-smart-otp/id944568124)

This mobile application generates one-time passwords (OTPs) for secure authentication with banking services. It provides a second factor for verifying transactions and accessing accounts, enhancing security for users of the bank's digital platforms.

**Highlights:** Generates 2nd factor OTP, Mobile authentication, Secure access to banking services, User credential registration, Corporate username support

**Features:** Vision Pro support

**In-app purchases:** none


### ACB SafeKey

[App page](https://appshunter.io/ios/app/acb-safekey/id1446756333)

This application generates One-Time Passwords (OTP) for transaction authentication for Asia Commercial Joint Stock Bank (ACB). It ensures secure and convenient verification for your banking activities.

**Highlights:** OTP generation, Transaction authentication, Secure verification, ACB banking support

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is VCB Smart OTP free?

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

### Is ACB SafeKey free?

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

### Which has better reviews, VCB Smart OTP or ACB SafeKey?

VCB Smart OTP is rated higher. VCB Smart OTP averages 3.4 out of 5 from 73 ratings, while ACB SafeKey averages 3.0 from 13 ratings.

### Do VCB Smart OTP or ACB SafeKey have ads?

Neither VCB Smart OTP nor ACB SafeKey shows ads.

### Which is updated more often, VCB Smart OTP or ACB SafeKey?

VCB Smart OTP ships an update every 6 months, and ACB SafeKey every 3 weeks. Most recently, VCB Smart OTP was updated on November 1, 2026 and ACB SafeKey on November 2, 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.*