Comparison

Payoo vs digimi

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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

About

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.

Highlights
  • 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
Features
Read full description

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

Payoo4 screens
digimi4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
Payoo versus digimi: the parameters behind the verdict, then further details
ParameterPayoodigimi
PriceFreeFree
Rating3.8 (14 ratings) — better3.5 (27 ratings)
Positive reviews40.0% of reviews50.0% of reviews — better
Number of ratings1427 — better
Update frequencyEvery 3 weeksEvery 4 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.013 — better
Further details — not scored
Size120 MB229 MB
Age rating4+4+
DeveloperVIET UNION ONLINE SERVICES CORPORATIONViet Capital Commercial Joint Stock Bank

Customer experience

Payoo

All ratings14 ratings
Positive71.4%
Neutral0.0%
Negative28.6%
Written reviews10 reviews
Positive40.0%
Neutral10.0%
Negative50.0%

digimi

All ratings27 ratings
Positive59.3%
Neutral7.4%
Negative33.3%
Written reviews10 reviews
Positive50.0%
Neutral10.0%
Negative40.0%

In-app purchases

None

Payoo

No in-app purchases

None

digimi

No in-app purchases

Questions

Is Payoo free?
Payoo is free to download, with no in-app purchases.
Is digimi free?
digimi is free to download, with no in-app purchases.
Which has better reviews, Payoo or digimi?
Payoo is rated higher. Payoo averages 3.8 out of 5 from 14 ratings, while digimi averages 3.5 from 27 ratings.
Do Payoo or digimi have ads?
Neither Payoo nor digimi shows ads.
Which is updated more often, Payoo or digimi?
Payoo ships an update every 3 weeks, and digimi every 4 days. Most recently, Payoo was updated on November 1, 2026 and digimi on November 7, 2026.

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