VCB Smart OTP vs ACB ONE
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
VCB Smart OTP
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.
- Generates 2nd factor OTP
- Mobile authentication
- Secure access to banking services
- User credential registration
- Corporate username support
Read full descriptionHide full description
VCB Smart OTP is mobile application developed by Vietcombank, VCB Smart OTP genarates 2nd factor OTP on your mobile phone for authentication with Vietcombank services. Please use your current active credentials registered with Vietcombank services in order to register VCB Smart OTP, i.e. mobile phone number for individuals or username for corporates. In case you need any further information, feel free to contact us. Hotline: 1900545413. Or you can visit our website at: www.vietcombank.com.vn
ACB ONE
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.
- 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
Read full descriptionHide full description
ACB ONE Digital Bank - Simple, Safe and Secure choice for online transaction. #100% ONLINE, ACTIVELY MAKE TRANSACTIONS ANYWHERE * Sign up only one time to have a 3in1 combo: Online account - Debit card - Digital Banking Services * 0 service fees of fund transfer,account management, and no requirement for minimum balance * Short bank account number that easy to memorize and transact with #VIDEO CALL, QUICK WAY TO GET MORE UTILITIES * Make a free video call on ACB ONE app to upgrade your account for more benefits and better privileges * Secure facial recognition with AI technology * Fast and easy service; no need to approach the counter #ACB SAFEKEY, SECURE TRANSACTIONS WITH OTP VERIFICATION IN APP * Free OTP verification right on ACB ONE app * Auto-fill OTP, no need to remember or copy OTP codes * High security - Receive OTP codes even while abroad * Unlimited online transaction limit (Kindly visit the nearest branch to increase your preferred transaction limit) #ACB REWARDS, CONNECT TO JOY AND HUNT FOR HOT GIFTS * Earn unlimited reward points * The more transactions, the more reward points you accumulate * Redeem points for preferred gifts of shopping, dining, education and entertainment * Easily transfer points to each other, share hot gifts all year round #LIVE A MORE PEACEFUL LIFE WITH VARIOUS FINANCIAL UTILITIES * Manage your cards online. 0% interest and fees anytime, anywhere * Online savings with extra interest rate * Purchase Sun Life Insurance online * Make transactions and deposit/ withdraw cash via QR code * Pay bills online nationwide: electricity, water, phone, cable TV, internet * Pay train and flight tickets * Pay school fees online with the SSC school card program * Connect with e-wallets such as Momo, ShopeePay, ZaloPay... And there are many products and services that serve for your daily life. Download ACB ONE app and register ACB account now! #CONTACT INFORMATION Contact Center: 1900 54 54 86 – (028) 38 247 247 – 1800 577 775 (Free for Priority Customers), or visit the nearest ACB branch.
Screenshots
Verdict
The clearest difference is ads: VCB Smart OTP at none against ACB ONE's shown. VCB Smart OTP also leads on monetization model (free vs free with in-app purchases). ACB ONE's advantage is update cadence (fortnightly vs every 6 months). On price, rating, review sentiment and ratings volume 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.
On the App Store both sit at effectively the same score — 3.4 for VCB Smart OTP against 3.3 for ACB ONE. Both are backed by a comparable volume of ratings — 73 and 169 respectively. Written reviews are what separate them: 20% of VCB Smart OTP's written reviews are positive against 16% of ACB ONE's.
VCB Smart OTP ships an update every 6 months, ACB ONE fortnightly. The most recent releases landed on October 13, 2026 and October 14, 2026 respectively.
| Parameter | VCB Smart OTP | ACB ONE |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (73 ratings) — better | 3.3 (169 ratings) |
| Positive reviews | 19.8% of reviews — better | 15.7% of reviews |
| Number of ratings | 73 | 169 — better |
| Update frequency | Every 6 months | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 14.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 21 MB | 259 MB |
| Age rating | 4+ | 4+ |
| Developer | Vietcombank JSC | ASIA COMMERCIAL JOINT STOCK BANK |
Customer experience
VCB Smart OTP
ACB ONE
In-app purchases
VCB Smart OTP
No in-app purchases
ACB ONE
No in-app purchases
