# ACB ONE vs SACOMBANK PAY

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.

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.

## The numbers

| Metric | ACB ONE | SACOMBANK PAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (160 ratings)](https://appshunter.io/ios/app/acb-one/id950141024/reviews) | **[3.5 (291 ratings)](https://appshunter.io/ios/app/sacombank-pay/id1436283663/reviews)** |
| Number of ratings | 160 | **291** |
| Positive reviews | 15.9% of reviews | **41.7% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 256 MB | 267 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ASIA COMMERCIAL JOINT STOCK BANK](https://appshunter.io/developer/950141023) | [SAIGON THUONG TIN COMMERCIAL JOINT STOCK BANK](https://appshunter.io/developer/860668140) |

## What reviewers say

### 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


### SACOMBANK PAY

[App page](https://appshunter.io/ios/app/sacombank-pay/id1436283663)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 👍 User-friendly and intuitive
- 🔒 Secure and reliable
- 💡 Innovative features
- 🤑 Convenient for banking needs

**What reviewers complain about**

- 🐛 Frequent bugs and crashes
- ⏱️ Slow performance and lags
- 🔍 Lacking in-app support
- 💰 Unexpected fees and charges
- 🤖 Poor user experience

**Reported bugs**

- 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**

- Improved transaction history and notifications
- Biometric authentication options
- Customizable app settings
- Enhanced security measures
- Seamless integration with other financial services


## Frequently asked questions

### Is ACB ONE free?

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

### Is SACOMBANK PAY free?

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

### Which has better reviews, ACB ONE or SACOMBANK PAY?

SACOMBANK PAY is rated higher. ACB ONE averages 3.4 out of 5 from 160 ratings, while SACOMBANK PAY averages 3.5 from 291 ratings.

### Do ACB ONE or SACOMBANK PAY have ads?

Both ACB ONE and SACOMBANK PAY show ads.

### Which is updated more often, ACB ONE or SACOMBANK PAY?

ACB ONE ships an update fortnightly, and SACOMBANK PAY every 2 months. Most recently, ACB ONE was updated on September 22, 2026 and SACOMBANK PAY on September 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.*