Source-backed analysis8
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.
8 reference sourcesInformation updated Nov 10, 2026
How we review
BIDV SmartBanking Review
BIDV's digital banking app: many fees waived, AI assistant and auto-investing
By AppDuo Editorial Team · Updated
- Web
- iOS
- Android
On this page
Decide at a glance
Our verdict
BIDV SmartBanking suits BIDV customers who want one app for everyday banking, with many fees waived plus auto-saving and salary-advance loans. The trade-off is a noticeably lower App Store rating (3.9/5) than Google Play (4.5/5), and several newer features mainly pay off if you receive salary or hold deposits at BIDV.
Best for: BIDV customers who want transfers, bills and savings in a single app
Skip it if: People with no BIDV account who don't plan to open one
Pros
- The official listing waives several fees, including internal and external transfers, service maintenance and default account management
- Version X (July 2025) added an AI assistant, auto-investing and spending-management tools
- Alerts for suspicious transactions, with Smart OTP and biometric authentication
Cons
- The Vietnamese App Store rating is only 3.9/5 (66,816 ratings), well below Google Play
- Past fee waivers ran for fixed periods (VnExpress, March and August 2021), so check current terms before relying on them
All pros and cons · Who is it for?
Pros
- One phone number and password log in across web, phone and smartwatch
- Google Play shows 4.5/5 from about 147,000 reviews and 10M+ downloads
Cons
- The salary-advance loan and auto-investing are tied to receiving salary or holding funds at BIDV
Best for
- People paid through BIDV who may use the online salary-advance loan
- Users who want to register for an account via eKYC in the app
Skip it if
- Anyone who wants consistently high ratings on both app stores
Problems it solves
Experience & key features
What it is
BIDV SmartBanking is the digital banking app for retail customers of BIDV, a state-owned commercial bank headquartered in Hanoi. iTunes data shows it on the Vietnamese App Store since December 2015. On 20 March 2021 BIDV launched a new-generation SmartBanking that merged BIDV Online and the old SmartBanking app (VnExpress). Version X, with a new interface, followed in July 2025 (Thị trường Tài chính Tiền tệ, August 2025).
Key features
The official description lists electricity, water, telecom and TV bills, shopping, cinema tickets and hotel booking. Version X adds an AI assistant, a 24/7 chatbot, auto-investing and income-and-expense reports. According to Thị trường Tài chính Tiền tệ, auto-investing moves any balance above a set threshold (from VND 10 million) into savings at up to 2.6% a year, and customers paid through BIDV with a good transaction history can take an unsecured salary-advance loan of up to VND 50 million.
Fees and value
The app is free to download. The App Store and Google Play pages list waived fees for internal and external transfers, service maintenance, default account management, OTT messages and non-physical cards issued in the app. BIDV has previously waived fees in fixed-term rounds: 20 March to 30 April 2021, then until 31 December 2021 for customers who registered online (VnExpress). Confirm current terms in the app or on the website.
More analysis
Compared with other apps
Apps such as VCB Digibank, MB Bank and Techcombank Mobile also bundle transfers, bills and savings. The real differences lie in each bank's fees, perks and linked products. BIDV SmartBanking's App Store rating (3.9/5) is lower than MB Bank's (4.7/5), while on Google Play the two are closer (4.5 versus 4.8).
Screenshots
Plans & pricing
Prices last verified Nov 10, 2026
BIDV SmartBanking (khách hàng cá nhân)
PersonalFree
The app is free to download. The App Store and Google Play descriptions list these fees as waived: internal and external transfer fees, service maintenance fee, default account management fee, OTT message fee, and the issuance and lifetime annual fee for non-physical cards issued in the app.
- Free plan limits
- VnExpress (March 2021) reported online transaction limits of up to VND 1 billion for standard customers and VND 5 billion for Priority Banking customers. Check the app or BIDV's website for current limits.
- Free trial
- No free trial
Cancellation & refunds
Not applicable to the app itself. Other banking fees follow BIDV's fee schedule.
Privacy
The Google Play Data safety section, self-declared by BIDV, says the app collects no data, shares nothing with third parties, encrypts data in transit and lets users request deletion. A "no data collected" claim is hard to square with an app that logs in by phone number and registers users through eKYC. The app description lists Smart OTP, biometrics and alerts for suspicious transactions as security layers. AppDuo did not cross-check BIDV's full personal data protection policy, so read it before granting permissions.
BIDV SmartBanking alternatives
7.7/10Techcombank Mobile
Techcombank's retail banking app with zero-fee transfers and auto-earning
7.5/10VPBank NEO
VPBank's digital banking app: eKYC onboarding, free transfers, many bundled services
Frequently asked questions
Does BIDV SmartBanking cost anything?
Downloading and registering is free. The store descriptions list internal and external transfer fees, service maintenance and default account management as waived. Other services follow BIDV's fee schedule.
How do I register?
Per BIDV, register online with eKYC in the app or at a BIDV branch nationwide.
How do I contact support?
Call the 24/7 customer service line, 1900 9247 for retail customers, also shown on BIDV's homepage.
What is new in version X?
A new interface, AI assistant, auto-investing, spending management and suspicious-transaction alerts, per the official description and press.
Review evidence & sources8
Scores
- Ease of use
- 7.0
- Features
- 8.0
- Value for money
- 8.2
- Performance
- 6.8
- Support
- 7.0
- Privacy & security
- 6.3
Why this score
The version X redesign and a single login across devices help, but the 3.9/5 App Store rating suggests the experience is uneven.
Why this score
Transfers, bills, savings, online loans, AI assistant, auto-investing, spending tracking plus shopping and ticket booking, per the official description.
Why this score
The app is free and the listing waives many common fees; exact fees should be checked against BIDV's fee schedule.
Why this score
Regularly updated, most recently on 29 Oct 2026 on the App Store, but the iOS rating is low (3.9/5) and no independent stability data was found.
Why this score
A 24/7 hotline (1900 9247) and a 24/7 AI chatbot per the description; no independent data on support quality was found.
Why this score
BIDV's self-declared Google Play label says no data is collected and traffic is encrypted, but that is hard to square with phone-number login and eKYC; the full data policy was not cross-checked, so the score stays moderate, level with MB Bank.
What users say
- Apple App Store (Việt Nam)3.9/5 · 66,816
- Google Play4.5/5 · 147,000
Sources
- Vendor-providedBIDV official websiteNov 10, 2026
- Vendor-providedBIDV - Digital banking pageNov 10, 2026
- storeApp Store listing (Vietnam)Nov 10, 2026
- storeGoogle Play listingNov 10, 2026
- pressVnExpress (2021-03)Nov 10, 2026
- pressVnExpress (2021-08-10)Nov 10, 2026
- pressThị trường Tài chính Tiền tệ (2025-08-14)Nov 10, 2026
- pressState Bank of Vietnam portal (2026-01-20)Nov 10, 2026
Specs & compatibility
- Developer
- Ngân hàng TMCP Đầu tư và Phát triển Việt Nam (BIDV)
- Headquarters
- Vietnam
- Launched
- 2015
- Category
- Finance
Capabilities
- Mobile app
- AI features
Platforms
- Web
- iOS
- Android
Interface languages
- Vietnamese
- English
Integrations
- Apple Watch
Support
- Phone
- Live chat
Change history
- Feature.Version 5.3.16 on the App Store adds unsecured consumer-loan and small-merchant loan disbursement in the app.
- Update.The State Bank of Vietnam portal reports that version X was certified by the Vietnam Record Organization as the digital banking app supporting transactions on the most device types.
- Feature.Version X launches in July 2025 with a new interface, auto-investing, salary-advance loans and AI spending analysis.
Full change history (6)
- Price.VnExpress reports retail customers registering for SmartBanking online get free transfers until 31 December, plus a B-Free package waiving up to 10 fee types.
- Launch.BIDV launches the new-generation SmartBanking, merging BIDV Online and the old app, with 100% of transaction fees waived until 30 April.
- Launch.The first release appears on the Vietnamese App Store (release date per iTunes lookup data).
About the author
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