ACB ONE vs SACOMBANK PAY
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
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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.
SACOMBANK PAY
Manage your finances with a modern, secure, and convenient app. Enjoy free transactions, easy bill payments, and quick access to banking services like savings and loans. Update your personal information securely and redeem loyalty points for rewards.
- Free 24/7 transactions
- Biometric and Smart OTP security
- QR code and Apple Pay integration
- Account balance and statement viewing
- Open savings, apply for loans
- Update personal information
- Bill payments and top-ups
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Welcome to SACOMBANK PAY – the modern and ultra-convenient financial management app that makes your life easier and more enjoyable! With a friendly and customized design, you will love the secure transaction space tailored just for you! Key Highlights: - Enjoy free transactions 24/7, fast and free with a limit of up to 50 billion VND/day! - Absolute Security! Biometric technology and Smart OTP keep your transactions safe. - Exciting Payments! Scan domestic and international QR codes, or integrate your card to Apple Pay in a flash! - Easy Financial Management! Check your balance, view statements and fund deposit alert sharing with up to 5 current accounts. - Convenient Banking Services! Open savings, apply for Loans with disbursement in just 5 minutes, and quickly open current accounts and get your cards issued! - Flexible personal information updates! Update your details using a chip-based ID card/national ID or via a VNeID electronic identification account. - Diverse Payment Ecosystem! Pay bills, top up, book tickets… all in one fabulous app! - Redeem SACOMBANK Sapphire points for even more exciting incentives! Then what are you waiting for? Download or update the app now, complete your online authentication and start your amazing journey right away!
Screenshots
Verdict
ACB ONE and SACOMBANK PAY both sit at 3.4 stars, but that hides the real split: 42% of SACOMBANK PAY's written reviews are positive against 16% of ACB ONE's. SACOMBANK PAY also leads on iOS requirement (13.0 vs 15.6). ACB ONE's advantage is update cadence (fortnightly vs every 2 months). On price, rating, ratings volume and ads 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 ACB ONE against 3.5 for SACOMBANK PAY. Both are backed by a comparable volume of ratings — 160 and 291 respectively. Written reviews are what separate them: 16% of ACB ONE's written reviews are positive against 42% of SACOMBANK PAY's.
ACB ONE ships an update fortnightly, SACOMBANK PAY every 2 months. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.
| Parameter | ACB ONE | SACOMBANK PAY |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (160 ratings) | 3.5 (291 ratings) — better |
| Positive reviews | 15.9% of reviews | 41.7% of reviews — better |
| Number of ratings | 160 | 291 — better |
| Update frequency | Fortnightly — better | Every 2 months |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 256 MB | 267 MB |
| Age rating | 4+ | 4+ |
| Developer | ASIA COMMERCIAL JOINT STOCK BANK | SAIGON THUONG TIN COMMERCIAL JOINT STOCK BANK |
Customer experience
ACB ONE
SACOMBANK PAY
Bugs and requests
ACB ONE
Not enough reviews yet to summarise bugs or requests.
SACOMBANK PAY
Reported bugs
5 issues- Login issues and account access problems
- Unreliable fund transfers and balance updates
- Compatibility issues with newer devices
- Frequent app crashes and freezes
- Inaccurate transaction records
Requested features
5 requests- Improved transaction history and notifications
- Biometric authentication options
- Customizable app settings
- Enhanced security measures
- Seamless integration with other financial services
In-app purchases
ACB ONE
No in-app purchases
SACOMBANK PAY
No in-app purchases
