# Payoo vs digimi

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.

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.

## The numbers

| Metric | Payoo | digimi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (14 ratings)](https://appshunter.io/ios/app/payoo/id977004309/reviews)** | [3.5 (27 ratings)](https://appshunter.io/ios/app/digimi-ngan-hang-so/id1526444697/reviews) |
| Number of ratings | 14 | **27** |
| Positive reviews | 40.0% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 4 days** |
| Monetization | Free | Free |
| Size | 120 MB | 229 MB |
| Requires iOS | 15.0 | **13** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [VIET UNION ONLINE SERVICES CORPORATION](https://appshunter.io/developer/1499757606) | [Viet Capital Commercial Joint Stock Bank](https://appshunter.io/developer/783572883) |

## What reviewers say

### Payoo

[App page](https://appshunter.io/ios/app/payoo/id977004309)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### digimi

[App page](https://appshunter.io/ios/app/digimi-ngan-hang-so/id1526444697)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


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