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Source-backed analysis10

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.

10 reference sources

Information updated Nov 12, 2026

How we review
Sacombank Pay logo

Sacombank Pay Review

Sacombank's digital banking app: transfers, QR, savings, cards and loans

Editorial Team7.2/10Write the first review

By Official AppDuo editorial team · Fact-checked

  • iOS
  • Android
Free · Free
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Decide at a glance

Our verdict

A fit for people who hold or plan to open a Sacombank account and want one app for most retail banking tasks with no transaction fee. The trade-offs are middling store ratings (3.4 to 3.6 out of 5) and that it only works with a Sacombank account.

Best for: Sacombank customers who want transfers, bill payments and card management in one app

Skip it if: People who neither hold nor plan to open a Sacombank account

Pros

  • Broad feature set: transfers, QR, bills, savings, loans, cards, foreign currency
  • Sacombank describes transactions as "VND 0 fee" and Smart OTP as free
  • Online account opening via eKYC; biometric update via VNeID; transfers pre-filled from account numbers or VietQR codes shared in Zalo

Cons

  • Middling ratings: 3.6/5 on the App Store and 3.4/5 on Google Play
  • Limited to Sacombank services; not a multi-bank app
All pros and cons · Who is it for?

More pros

  • Biometric checks and Smart OTP with PIN, fingerprint or FaceID; Sacombank says it meets PCI DSS 4.0
  • App interface in English, Vietnamese and Simplified Chinese

More cons

  • Some services outside the app carry fees, such as SMS Banking at VND 15,000 per month and card cash-withdrawal fees
  • Sacombank has warned of fake apps used to steal banking details, so install only from the App Store or Google Play

Best for

  • People who want to open an account online via eKYC and pick a custom account number

Skip it if

  • People who need several banks in one app (it serves Sacombank services only)

Experience & key features

Sacombank Pay is Sacombank's digital banking app, listed on the App Store since November 2018. According to the bank's product page, it bundles most retail services: transfers (in-bank, interbank, by card number or QR), bill payments, savings, loans, card management and foreign-currency exchange.

Recent releases added a fair number of conveniences. Version 2.4.2 (Dec 2024) lets users share balance-change alerts with up to 5 other Sacombank Pay users. Version 2.4.4 (Mar 2025) added VNeID biometric updates without an NFC phone, pre-filled transfers opened from Zalo, and branch registration for all customers, including foreigners. The latest version, 2.8.6, shipped on 6 Oct 2026.

On cost, the app is free and Sacombank describes transactions as "VND 0 fee". Fees remain elsewhere: from 1 Aug 2024 SMS Banking costs VND 15,000 per month for 1 to 30 messages (VND 700 per message after that), while in-app notifications are free. Card cash withdrawals follow the bank's fee schedule, for example VND 1,000 with a Sacombank international debit card and 4% (minimum VND 60,000) with an international credit card.

On reliability, public ratings are middling (3.6/5 on the App Store, 3.4/5 on Google Play). For existing Sacombank account holders it is the official, full-featured channel. People who have not settled on a bank may also compare the MB Bank, Vietcombank or Techcombank apps.

Screenshots

App Store screenshot 1
App Store screenshot 1
App Store screenshot 2
App Store screenshot 2
App Store screenshot 3
App Store screenshot 3

Plans & pricing

Prices last verified Nov 12, 2026

Sacombank Pay (cá nhân)

Personal

Free

Free to download and use. Sacombank's product page describes transactions as "VND 0 fee" and Smart OTP as free.

Free plan limits
The Google Play description states a transaction limit of up to VND 50 billion per day. Other services follow Sacombank's fee schedule: for example, cash withdrawals cost VND 1,000 with a Sacombank international debit card and 4% (minimum VND 60,000) with an international credit card. AppDuo did not read the full fee schedule.
Free trial
No free trial
Cancellation & refunds

The app is free, so there is nothing to refund. Fee refunds and transaction disputes follow Sacombank's own terms, which AppDuo did not read in detail.

Privacy

The Google Play data-safety section (self-declared by the developer) says the app may collect personal and financial info plus other types, may share app info and performance data with third parties, encrypts data in transit and lets users request deletion. AppDuo did not read Sacombank's full privacy policy.

Official pricing page

Sacombank Pay 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 12, 2026

  • Low impactAllegedLawsuit ·

    Cam Ranh office case: customer sues over lost deposits (bank-level, not the app)

    A customer sued Sacombank over withdrawals from her account at its Cam Ranh transaction office; per The Investor, the first-instance court ordered Sacombank to pay over VND 36 billion. Sacombank appealed. The case concerns branch procedures, not the app directly.

    Read the full account

    Per Sacombank, the incident occurred in October 2022 at its Cam Ranh transaction office (Khanh Hoa branch). Per The Investor, on 4 July 2024 the Cam Ranh People's Court ordered Sacombank to pay Ho Thi Thuy Duong over VND 36 billion on top of VND 20 billion already advanced, finding the bank at fault and citing breaches such as withdrawals without the account holder present and outside office hours. Sacombank says the investigation and forensic findings show the document signatures match hers, asked the court to suspend the civil case pending the criminal case, and said it would appeal. Per Viet Nam News, the Khanh Hoa Provincial People's Court began hearing the appeal on 15 January 2025; AppDuo could not find the appeal outcome.

    Vendor response

    Sacombank says the signatures match those registered by the customer, argues the civil case should await the criminal case and says it will continue to appeal; it also says it fully reimbursed other customers whose funds were misappropriated.

    Sources:Sacombank - thông tin vụ việc tại PGD Cam RanhThe Investor - Sacombank phải trả 1,4 triệu USD cho khách (5/7/2024)Việt Nam News - Sacombank kháng cáo phán quyết (20/1/2025)

Frequently asked questions

Does Sacombank Pay cost money?

The app is free and Sacombank's product page says VND 0 fee for transactions. Other services such as SMS Banking or card cash withdrawals carry fees under the bank's fee schedule.

Can I open an account in the app?

Yes. Sacombank offers online registration via eKYC, with custom account numbers for customers aged 15 and over. Since v2.4.4 all customers, including foreigners, can register at a branch.

Does the app have an English interface?

Yes. The App Store lists English, Vietnamese and Simplified Chinese.

How can I avoid fake apps?

Sacombank advises installing only from the App Store or Google Play, not clicking links or scanning QR codes from unknown senders, and never sharing OTPs, CVV or passwords. If in doubt, call 1800 5858 88.

Review evidence & sources10

Scores

Ease of use
7.0
Why this score

Online eKYC sign-up, a three-language interface (English, Vietnamese, Simplified Chinese) and transfers pre-filled from Zalo keep everyday tasks short. Ratings of 3.4 to 3.6 out of 5 point to lingering friction; one Google Play review says the session expires right after a transfer is confirmed, forcing users to re-enter the details.

Features
8.0
Why this score

Covers nearly all retail banking: transfers, domestic and international QR payments, QR cash withdrawal at ATMs, bills, savings, loans, cards, foreign-currency exchange, balance-alert sharing with up to 5 people and SSI brokerage top-ups.

Value for money
8.0
Why this score

The app is free and Sacombank describes transactions as fee-free; charges such as SMS Banking or card withdrawals sit outside the app under a separate fee schedule.

Performance
6.5
Why this score

No independent performance data was found, so store ratings of 3.4/5 on Google Play and 3.6/5 on the App Store are the main evidence. Some Google Play reviews report face-verification failures on large transfers or the app not opening. Sacombank still updates the app regularly (version 2.8.6 on 6 Oct 2026).

Support
7.0
Why this score

There is a free 24/7 hotline (1800 5858 88), the Sari virtual assistant and in-app card locking. Sacombank replies to Google Play reviews, though mostly by asking users to email [email protected]. No independent data on complaint-handling speed was found.

Privacy & security
6.5
Why this score

The app uses biometric checks and Smart OTP. On Google Play, Sacombank declares encryption in transit and deletion on request, but says app info and performance data may be shared with third parties. AppDuo did not read the full privacy policy, so the score is cautious.

What users say

Sources

Specs & compatibility
Developer
Sacombank (Ngân hàng TMCP Sài Gòn Thương Tín)
Headquarters
Vietnam
Launched
2018
Category
Finance

Capabilities

  • Mobile app
  • Integrations

Platforms

  • iOS
  • Android

Interface languages

  • English
  • Vietnamese
  • Chinese

Integrations

  • VietQR
  • Zalo
  • VNeID
  • SSI Securities
  • ePass

Support

  • Phone
  • Live chat
  • Help center

Change history

  1. Feature.v2.8.6: interface improvements, easier electricity bill payment, more flight booking options.
  2. Feature.v2.4.4: VNeID biometric update, pre-filled transfers opened from Zalo, branch registration open to foreigners.
  3. Feature.v2.4.2: balance-alert sharing with up to 5 people, SSI top-ups, biometric checks for account opening; Sacombank says it meets PCI DSS 4.0.
Full change history (5)
  1. Update.From 1 Aug 2024, card lock/unlock and 0% installment registration moved from SMS to the app; SMS Banking costs VND 15,000 per month.
  2. Launch.Sacombank Pay listed on the App Store (release date 5 Nov 2018).
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