Comparison

ACB ONE vs VNPAY App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read 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.

About

VNPAY App

This app is a comprehensive payment and shopping platform integrating transportation, entertainment, and retail. It offers multiple secure payment options and a wide range of services for daily life, including shopping, booking travel, and purchasing entertainment tickets.

Highlights
  • Multiple secure payment methods
  • QR code scanning
  • Online shopping on VnShop
  • Book taxis, flights, trains, buses
  • Purchase movie and event tickets
  • Buy now, pay later services
  • Consumer loans
Features
Read full description

What’s New in the VNPAY App? VNPAY is a multi-utility payment and shopping app that integrates transportation, entertainment, and shopping, catering to all aspects of daily life with various payment methods and funding sources. Fast and Convenient Payments The VNPAY app supports multiple secure and convenient payment methods: VNPAY e-wallet VNPAY-QR code scanning ATM cards, international cards Apple Pay Postpaid services Unlimited Utility Ecosystem Enjoy a seamless shopping, transportation, and entertainment experience with maximum convenience and efficiency: Easy shopping on VnShop – Authentic products at great prices with daily promotions. Effortless transportation – Quickly book taxis, motorbikes, flights, trains, and buses in just a few minutes. Convenient entertainment – Book movie tickets, amusement park tickets, and event passes with just a few taps. Financial Flexibility and Smart Spending VNPAY provides diverse financial solutions to help users manage their expenses flexibly: Postpaid services – Buy now, pay later. Consumer loans – Access flexible credit without income proof, approval within 2 minutes, with limits up to 50 million VND (*). (*) The loan service is provided and managed by VNPAY’s partners on the VNPAY platform. Customer Support If you need assistance, please contact us: Hotline: 1900 5555 77 (8 AM - 10 PM, Monday - Sunday) Email: hotro@vnpay.vn Vietnam Payment Solutions Joint Stock Company (VNPAY) Address: 8th Floor, No. 22 Lang Ha Street, Lang Ha Ward, Dong Da District, Hanoi.

Screenshots

ACB ONE4 screens
VNPAY App4 screens

Verdict

The call

The clearest difference is rating: VNPAY App at 4.3 against ACB ONE's 3.3. VNPAY App also leads on review sentiment (55% vs 16%) and ads (none vs shown). On price, update cadence, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

VNPAY App holds the better App Store score, 4.3 against 3.3. Both are backed by a comparable volume of ratings — 169 and 660 respectively. Written reviews point the same way: 16% of ACB ONE's written reviews are positive against 55% of VNPAY App's.

UpkeepUpdate frequency

ACB ONE ships an update fortnightly, VNPAY App every 10 days. The most recent releases landed on October 14, 2026 and October 11, 2026 respectively.

Scorecard6 real differences · 4 level
ACB ONE versus VNPAY App: the parameters behind the verdict, then further details
ParameterACB ONEVNPAY App
PriceFreeFree
Rating3.3 (169 ratings)4.3 (660 ratings) — better
Positive reviews15.7% of reviews55.1% of reviews — better
Number of ratings169660 — better
Update frequencyFortnightlyEvery 10 days — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.613.0 — better
Further details — not scored
Size259 MB508 MB
Age rating4+4+
DeveloperASIA COMMERCIAL JOINT STOCK BANKVNPAY

Customer experience

ACB ONE

All ratings169 ratings
Positive56.2%
Neutral5.3%
Negative38.5%
Written reviews89 reviews
Positive15.7%
Neutral6.7%
Negative77.5%

VNPAY App

All ratings660 ratings
Positive83.8%
Neutral0.5%
Negative15.8%
Written reviews176 reviews
Positive55.1%
Neutral1.1%
Negative43.8%

Bugs and requests

ACB ONE

Not enough reviews yet to summarise bugs or requests.

VNPAY App

Reported bugs

3 issues
  • Frequent connection errors
  • Issues with payment processing and refunds
  • App crashes during transactions

Requested features

3 requests
  • Expand merchant network to accept VNPAY QR
  • Improve in-app support and troubleshooting
  • Allow more flexibility in identity verification

In-app purchases

None

ACB ONE

No in-app purchases

None

VNPAY App

No in-app purchases

Questions

Is ACB ONE free?
ACB ONE is free to download, with no in-app purchases.
Is VNPAY App free?
VNPAY App is free to download, with no in-app purchases.
Which has better reviews, ACB ONE or VNPAY App?
VNPAY App is rated higher. ACB ONE averages 3.3 out of 5 from 169 ratings, while VNPAY App averages 4.3 from 660 ratings.
Do ACB ONE or VNPAY App have ads?
ACB ONE shows ads; VNPAY App does not.
Which is updated more often, ACB ONE or VNPAY App?
ACB ONE ships an update fortnightly, and VNPAY App every 10 days. Most recently, ACB ONE was updated on October 14, 2026 and VNPAY App on October 11, 2026.

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