# ACB ONE vs VNPAY App

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.

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

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.

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.

## The numbers

| Metric | ACB ONE | VNPAY App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (169 ratings)](https://appshunter.io/ios/app/acb-one/id950141024/reviews) | **[4.3 (660 ratings)](https://appshunter.io/ios/app/vnpay-app/id1470378562/reviews)** |
| Number of ratings | 169 | **660** |
| Positive reviews | 15.7% of reviews | **55.1% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | **Every 10 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 259 MB | 508 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ASIA COMMERCIAL JOINT STOCK BANK](https://appshunter.io/developer/950141023) | [VNPAY](https://appshunter.io/developer/443364658) |

## 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


### VNPAY App

[App page](https://appshunter.io/ios/app/vnpay-app/id1470378562)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💳 Convenient payment options
- 💰 Many discount codes and promotions
- 🚀 Fast and smooth transactions
- 🇻🇳 Supports national celebrations

**What reviewers complain about**

- 🤔 Compatibility issues with foreign cards
- 🤖 Poor customer support
- 🚫 Merchants not accepting VNPAY QR codes
- 🔒 Unreliable identity verification

**Reported bugs**

- Frequent connection errors
- Issues with payment processing and refunds
- App crashes during transactions

**Requested features**

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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*