# VCB Smart OTP vs HDBank

The clearest difference is update cadence: HDBank at fortnightly against VCB Smart OTP's every 6 months. HDBank also leads on rating (3.6 vs 3.4) and review sentiment (34% vs 20%). On price, ratings volume, ads 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.

HDBank holds the better App Store score, 3.6 against 3.4. Both are backed by a comparable volume of ratings — 73 and 101 respectively. Written reviews point the same way: 20% of VCB Smart OTP's written reviews are positive against 34% of HDBank's.

VCB Smart OTP ships an update every 6 months, HDBank fortnightly. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | VCB Smart OTP | HDBank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (73 ratings)](https://appshunter.io/ios/app/vcb-smart-otp/id944568124/reviews) | **[3.6 (101 ratings)](https://appshunter.io/ios/app/hdbank/id1461658565/reviews)** |
| Number of ratings | 73 | **101** |
| Positive reviews | 19.8% of reviews | **34.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 21 MB | 644 MB |
| Requires iOS | 14.0 | 14.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Vietcombank JSC](https://appshunter.io/developer/944568123) | [Ho Chi Minh City Development Joint Stock Commercial Bank](https://appshunter.io/developer/1304901616) |

## 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


### HDBank

[App page](https://appshunter.io/ios/app/hdbank/id1461658565)

Manage your personal finances quickly, securely, and conveniently with this modern banking app. It offers biometric login, QR code payments, virtual assistant support, and various transaction services.

**Highlights:** Biometric login (fingerprint, face, PIN), QR code payments (VNPAY-QR), Virtual assistant (chatbot) support, Stock market information, Flight booking and payment, Account balance and transaction history, Money transfer services

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

**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 HDBank free?

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

### Which has better reviews, VCB Smart OTP or HDBank?

HDBank is rated higher. VCB Smart OTP averages 3.4 out of 5 from 73 ratings, while HDBank averages 3.6 from 101 ratings.

### Do VCB Smart OTP or HDBank have ads?

Neither VCB Smart OTP nor HDBank shows ads.

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

VCB Smart OTP ships an update every 6 months, and HDBank fortnightly. Most recently, VCB Smart OTP was updated on October 22, 2026 and HDBank on October 24, 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.*