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Review basis

Research-based review: the AppDuo Editorial Team compiled it from official pages, documentation, app stores, press and user feedback, without hands-on testing. Every claim links to a source with the date it was checked.

12 reference sources

Information updated Nov 11, 2026

How we review
ACB ONE logo

ACB ONE Review

ACB's digital bank app: eKYC onboarding, no transfer fees, layered anti-fraud checks

Editorial Team7.2/10Write the first review

By Official AppDuo editorial team · Updated

  • iOS
  • Android
  • Web
Free · Free
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Decide at a glance

Our verdict

ACB ONE suits people who hold or plan to open an ACB account and want one app for transfers, payments, savings and card controls, with several security layers. The trade-offs are a 3.3/5 App Store rating and a login outage in January 2024 that made the press.

Best for: ACB customers who want everyday banking on their phone

Skip it if: People who need to manage accounts at other banks; ACB ONE serves ACB customers only

Pros

  • Free to download; ACB states no transfer fee, no account-management fee and no minimum balance
  • Online account opening via eKYC, face authentication and in-app SafeKey OTP
  • Warnings on transfers to suspicious accounts; transactions are paused when a high-risk app with Accessibility permission is detected

Cons

  • App Store rating is 3.3/5 (about 14k ratings); recent reviews complain about biometric login failures, forced password changes and the app being blocked while Developer Mode is on
  • Service interruption on 20 Jan 2024; per Vietnam Financial Times, some customers could not reach the hotline during it
All pros and cons · Who is it for?

More pros

  • Broad toolset: savings, bill payments, insurance purchases, links to MoMo, ShopeePay and ZaloPay
  • Frequent updates: the App Store lists 25 releases between Aug 2025 and Oct 2026

More cons

  • The App Store privacy label lists location and device ID used for third-party advertising; Google Play flags the app as containing ads
  • Vietnamese and English interface only

Best for

  • People who value anti-fraud layers such as suspicious-account warnings and face authentication

Skip it if

  • Users who need a wide range of interface languages; the app offers only Vietnamese and English

Experience & key features

ACB ONE is the digital banking app of Asia Commercial Bank (ACB). According to CafeF, ACB announced the ACB ONE brand on 14 Feb 2022 alongside a new Digital Banking division. The app runs on iOS and Android, and ACB also offers web banking for individual customers. Businesses use ACB ONE BIZ and ACB ONE PRO, which are outside the scope of this review.

Key features

Per the Google Play and App Store descriptions, a single sign-up gives you an online account, a debit card and digital banking. ACB's ACB ONE page also lists booking for flights, buses, trains, hotels, visas and eSIMs, online savings with extra interest, and the ACB Rewards program.

  • Transfers and payments
    Transfers, bill payments (electricity, water, internet), train and flight tickets, QR transactions, and links to MoMo, ShopeePay and ZaloPay.
  • Savings, cards and insurance
    Online savings, card management, 0% instalments, Sun Life insurance purchases and the ACB Rewards points program.
  • Authentication and anti-fraud
    In-app ACB SafeKey OTP, face authentication and video calls to change account type. From version 3.17.0 the app warns about high-risk apps and temporarily blocks transactions if a suspicious app holds Accessibility permission.

Fees and value

The app is free. Per the Google Play description, ACB charges no transfer or account-management fee and requires no minimum balance. Some services still cost money: since 1 Jan 2024 SMS Banking costs 15,000 VND per month for up to 20 messages, with a per-message charge beyond that, and ACB encourages customers to take free notifications in ACB ONE instead. Fees for other services sit in ACB's own fee schedule.

More analysis

Safety and reliability

According to Nhan Dan, ACB said it blacklisted and suspended nearly 10,000 suspicious accounts in Q3 2024 and that fraud cases fell by up to 50% (ACB's own figures). On reliability, ACB ONE was interrupted on the afternoon of 20 Jan 2024; ACB said that evening it was fixed. The 3.3/5 App Store rating suggests an uneven experience.

Versus alternatives

ACB ONE serves ACB customers only. If you bank elsewhere, look at your own bank's app, such as MB Bank or VCB Digibank. Fees, limits and app quality differ between banks, so check each bank's current published terms before choosing.

Screenshots

ACB ONE screenshot on the App Store (1)
ACB ONE screenshot on the App Store (1)
ACB ONE screenshot on the App Store (2)
ACB ONE screenshot on the App Store (2)
ACB ONE screenshot on the App Store (3)
ACB ONE screenshot on the App Store (3)

Plans & pricing

Prices last verified Nov 11, 2026

ACB ONE (cá nhân)

Personal

Free

Free to download and use; per the Google Play description, ACB charges no transfer or account-management fee and requires no minimum balance.

Free plan limits
Fees for individual products follow ACB's fee schedule; for example SMS Banking costs at least 15,000 VND per month since 1 Jan 2024, while notifications in ACB ONE are free.
Free trial
No free trial
Cancellation & refunds

The app itself is free, so there is nothing to refund. Fees and refunds for each service follow ACB's own terms; AppDuo could not read the full fee schedule.

Privacy

The App Store privacy label (self-declared by the developer) lists data linked to the user's identity: precise and coarse location, user ID, device ID and crash data; purposes include third-party advertising, developer marketing, analytics, personalisation and app functionality. By contrast, the Google Play Data safety section (also self-declared) says no data is shared with third parties, data is encrypted in transit and users can request deletion; Google Play also flags the app as containing ads. On security, ACB says it uses eKYC, face authentication with the chip-based citizen ID, in-app ACB SafeKey OTP and warnings when high-risk apps holding Accessibility permission are detected. AppDuo could not read ACB's full privacy policy.

Official pricing page

ACB ONE alternatives

Techcombank Mobile logo7.7/10

Techcombank Mobile

Techcombank's retail banking app with zero-fee transfers and auto-earning

Free
MB Bank logo7.4/10

MB Bank

MB's banking app: free transfers, online sign-up and strong store ratings

Free
All alternatives

Controversies & incidents

Issues documented by the press, regulators, courts or the vendor itself. Every item is sourced; unproven claims are labelled as allegations. Last researched: Nov 11, 2026

  • Low impactResolvedOutage ·

    ACB ONE login interruption on 20 Jan 2024

    Per Vietnam Financial Times, some customers could not log in to the app on the afternoon of 20 Jan and could not reach the hotline. ACB said it was fixed.

    Read the full account

    The article of 22 Jan 2024 quotes two customers: one said the app showed login errors from about 14:30 to 18:00, the other could not get in from midday into the afternoon; both said the hotline rang unanswered or was busy. The first, a priority customer, said he contacted his assigned staff but got no solution. The times come from the customers, not from ACB. On the evening of 20 Jan, ACB announced that ACB ONE had been interrupted for a period that afternoon, that it was fixed, the system was stable and customer information remained secure. The article gives no cause or number of affected customers.

    Vendor response

    On the evening of 20 Jan 2024 ACB said the incident was resolved, the system was stable and customer information remained secure.

    Sources:Thời báo Tài chính Việt Nam (22/1/2024)

Frequently asked questions

Does ACB ONE cost anything?

The app is free to download and use. ACB lists no transfer or account-management fees, but some services such as SMS Banking are charged separately (from 15,000 VND per month since 1 Jan 2024).

Does ACB ONE support Vietnamese?

Yes. The App Store lists Vietnamese and English.

How does ACB ONE differ from ACB ONE BIZ?

ACB ONE is for individuals; ACB ONE BIZ is for businesses and ACB ONE PRO for large enterprises, per ACB.

Do I need face authentication?

Per Nhan Dan (31 Oct 2024), ACB advised customers to register face authentication with a chip-based citizen ID before 1 Jan 2025 to avoid interruptions to online transactions. Check ACB's current rules.

Review evidence & sources12

Scores

Ease of use
7.0
Why this score

eKYC onboarding and in-app OTP keep tasks short, but the 3.3/5 App Store rating with complaints about login and password changes pulls this down. Interface is limited to Vietnamese and English.

Features
7.8
Why this score

Per the Google Play description: transfers, savings, bill payments, QR transactions, insurance, rewards, e-wallet links and card management. Serves ACB customers only.

Value for money
8.0
Why this score

Free to download; ACB lists no transfer or account-management fees and no minimum balance. Some services still carry fees, such as SMS Banking, and AppDuo could not read the full fee schedule.

Performance
6.8
Why this score

The press reported a login outage on 20 Jan 2024 and recent App Store reviews still mention errors; on the plus side, releases ship regularly.

Support
6.8
Why this score

ACB's homepage lists 24/7 hotlines (1900 54 54 86 and 028 38 247 247), plus branches. However, the press reported customers failing to reach the hotline during the January 2024 outage.

Privacy & security
6.8
Why this score

ACB describes several security layers (eKYC, SafeKey, face authentication) and AppDuo found no confirmed breach. However, the App Store label lists location and device ID used for third-party advertising, at odds with the no-sharing declaration on Google Play, and AppDuo could not read the full policy.

What users say

Sources

Specs & compatibility
Developer
Ngân hàng TMCP Á Châu (ACB)
Headquarters
Vietnam
Launched
2022
Category
Finance

Capabilities

  • Mobile app
  • Integrations

Platforms

  • iOS
  • Android
  • Web

Interface languages

  • Vietnamese
  • English

Integrations

  • MoMo
  • ShopeePay
  • ZaloPay
  • Sun Life
  • PTI
  • VNPAY

Support

  • Phone
  • Help center

Change history

  1. Feature.Version 3.59.0 adds entertainment services from VNPAY, per the App Store.
  2. Feature.ACB outlines anti-fraud measures: face authentication with chip-based ID and warnings on transfers to suspicious accounts; over 1.5 million accounts have registered face authentication.
  3. Update.ACB ONE is interrupted for a period in the afternoon; ACB says it was fixed.
Full change history (6)
  1. Price.ACB moves SMS Banking to 15,000 VND per month for up to 20 messages and encourages free notifications via ACB ONE.
  2. Feature.ACB ONE (version 3.17.0+) detects high-risk apps holding Accessibility permission, warns and temporarily blocks transactions.
  3. Launch.ACB announces the ACB ONE digital banking brand and sets up a Digital Banking division.
About the author

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