# ACB ONE vs HDBank

The clearest difference is ads: HDBank at none against ACB ONE's shown. HDBank also leads on monetization model (free vs free with in-app purchases) and rating (3.6 vs 3.3). On price, ratings volume, update cadence 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 3.3. Both are backed by a comparable volume of ratings — 168 and 100 respectively. Written reviews point the same way: 16% of ACB ONE's written reviews are positive against 34% of HDBank's.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 6, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | ACB ONE | HDBank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (168 ratings)](https://appshunter.io/ios/app/acb-one/id950141024/reviews) | **[3.6 (100 ratings)](https://appshunter.io/ios/app/hdbank/id1461658565/reviews)** |
| Number of ratings | **168** | 100 |
| Positive reviews | 15.7% of reviews | **34.4% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 257 MB | 644 MB |
| Requires iOS | 15.6 | **14.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ASIA COMMERCIAL JOINT STOCK BANK](https://appshunter.io/developer/950141023) | [Ho Chi Minh City Development Joint Stock Commercial Bank](https://appshunter.io/developer/1304901616) |

## 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


### 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 ACB ONE free?

ACB ONE 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, ACB ONE or HDBank?

HDBank is rated higher. ACB ONE averages 3.3 out of 5 from 168 ratings, while HDBank averages 3.6 from 100 ratings.

### Do ACB ONE or HDBank have ads?

ACB ONE shows ads; HDBank does not.

### Which is updated more often, ACB ONE or HDBank?

ACB ONE ships an update fortnightly, and HDBank fortnightly. Most recently, ACB ONE was updated on October 6, 2026 and HDBank on October 12, 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.*