# VCB Smart OTP vs ACB ONE

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.

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 3.4 for ACB ONE. Both are backed by a comparable volume of ratings — 73 and 189 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 22, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | VCB Smart OTP | ACB ONE |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (73 ratings)](https://appshunter.io/ios/app/vcb-smart-otp/id944568124/reviews)** | [3.4 (189 ratings)](https://appshunter.io/ios/app/acb-one/id950141024/reviews) |
| Number of ratings | 73 | **189** |
| Positive reviews | **19.8% of reviews** | 15.7% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 6 months | **Fortnightly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 21 MB | 259 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 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 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 Smart OTP free?

VCB Smart OTP 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 Smart OTP or ACB ONE?

VCB Smart OTP is rated higher. VCB Smart OTP averages 3.4 out of 5 from 73 ratings, while ACB ONE averages 3.4 from 189 ratings.

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

ACB ONE shows ads; VCB Smart OTP does not.

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

VCB Smart OTP ships an update every 6 months, and ACB ONE fortnightly. Most recently, VCB Smart OTP was updated on October 22, 2026 and ACB ONE on October 26, 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.*