Payoo vs digimi
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Payoo
Manage and pay utility bills like electricity, water, and internet from a single account. Offers online or cash payment options 24/7. Easily find nearby stores for cash payments.
- Bill payment for utilities
- Online and cash payment options
- 24/7 payment availability
- Manage bills via one account
- Find cash payment stores
- Search stores by location
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The application allows you to make payment for many utility services such as electricity, water, Internet, telephone, mobile phone. By using the application, you can manage all of your bills through one and only account; make online payment or cash payment during 24 hours per 7 days. Main functions: ● Query loan information from Customer ID, Service Type and Service Provider ● Payment for prepaid services (Prepaid mobile phone, …) ● Payment for postpaid services (Electricity, Water, Phone, Internet, Cable TV,…) ● Payment using Domestic bank card, International payment card ● Finding stores that provide cash payment for all of the services Sub functions: ● Stores searching by name, address ● Stores arranged in order from closest to farthest by using GPS function
digimi
This digital banking app allows users to open accounts in under a minute using eKYC and log in securely with biometrics. It offers easy fund transfers, bill payments, and mobile top-ups, along with options for virtual and physical card registration. Enjoy competitive interest rates on deposits and a fee-free banking experience.
- eKYC account opening in one minute
- Biometric and Smart OTP authentication
- Seamless fund transfers (account, card, phone, VietQR)
- Bill payments and mobile top-ups
- Virtual and physical card registration
- Interest-bearing deposits
- Fee-free services
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WELCOME TO DIGIMI - DIGITAL BANK Digimi - Digital bank from BVBank provides extraordinary experiences for users in terms of financial purposes. - With eKYC technology, you can create a bank account within a minute. - Easy and no hassle log-in by biometric authentication - Enhance confidentiality for users by utilizing the Smart OTP authentication method - Seamless transfer process, including transfer to another account by using account number/card number/phone number, the nickname of the account owner, and VietQR code - Top up the mobile phone, bills payment such as electricity & water, internet. Even toll fees and tuition fees can make paid through Digimi. - Register online debit and credit cards: virtual card is generated within 1 hour, followed by a physical card will be delivered to your address within 3 to 5 working days. - Deposit from 1,000,000 VND with a comparative interest rate. Especially, you are free of charge when using Digimi services. No fees indeed, such as Interbank transfer fees, service maintenance fees, bill payment fees, mobile phone top-up fees, monthly service fees… Download the Digimi app now! If you need any assistance, please contact us via: • Fanpage: https://www.facebook.com/digimi.digitalbank • YOU & Digimi Community: https://www.facebook.com/groups/535667201019292 • Hotline: 1900555596
Screenshots
Verdict
The clearest difference is update cadence: digimi at every 4 days against Payoo's every 3 weeks. digimi also leads on review sentiment (50% vs 40%) and iOS requirement (13 vs 15.0). Payoo's advantage is rating (3.8 vs 3.5). On price, ratings volume, ads and in-app purchases 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.
Payoo holds the better App Store score, 3.8 against 3.5. Both are backed by a comparable volume of ratings — 14 and 27 respectively. Written reviews complicate that: 40% of Payoo's written reviews are positive against 50% of digimi's, so the app with the better star average is not the one people write more warmly about.
Payoo ships an update every 3 weeks, digimi every 4 days. The most recent releases landed on November 1, 2026 and November 7, 2026 respectively.
| Parameter | Payoo | digimi |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (14 ratings) — better | 3.5 (27 ratings) |
| Positive reviews | 40.0% of reviews | 50.0% of reviews — better |
| Number of ratings | 14 | 27 — better |
| Update frequency | Every 3 weeks | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 13 — better |
| Further details — not scored | ||
| Size | 120 MB | 229 MB |
| Age rating | 4+ | 4+ |
| Developer | VIET UNION ONLINE SERVICES CORPORATION | Viet Capital Commercial Joint Stock Bank |
Customer experience
Payoo
digimi
In-app purchases
Payoo
No in-app purchases
digimi
No in-app purchases









