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 13, 2026
How we review
SHB SAHA Review
SHB's digital banking app for transfers, bills, savings, cards and overdrafts
By AppDuo Editorial Team · Fact-checked
- iOS
- Android
On this page
Decide at a glance
Our verdict
SHB SAHA suits people who already bank with SHB or plan to, and want transfers, bills, savings and cards in one free app. The trade-off is middling store scores (3.1/5 on Google Play, 3.7/5 on the Vietnamese App Store) and user reports of login and face-verification problems on new devices.
Best for: SHB customers who need an app for daily account checks, transfers and bill payments
Skip it if: Foreigners with only a passport: SHB requires foreign customers to verify passport, visa and biometrics at a branch, and one Google Play reviewer says the app asks for a Vietnamese ID card photo when signing in on a new device
Pros
- Free to download on iOS and Android; the launch article says the app's services are free
- Many services in one app: transfers within SHB and to other banks, bills, savings, card management, overdraft and credit card applications
- Frequent updates, every one to four weeks through 2026 (latest 3.4.12 on 9 Nov 2026); late 2025 brought asset management, airport lounge booking, recurring VinaCapital fund investment and eKYC account opening for ages 15 to 18
Cons
- Low store scores: 3.1/5 from about 5,060 Google Play reviews and 3.7/5 from 4,455 Vietnamese App Store ratings
- Reviewers report recurring bugs, a dated interface and trouble with face verification on new devices; SHB's replies are largely templated and point to the *6688 hotline
All pros and cons · Who is it for?
More cons
- Interface in Vietnamese and English only; Google Play's data safety section says data can't be deleted on request and may be shared with third parties
Best for
- Younger users who want online savings, virtual cards and overdrafts in one app
Skip it if
- Users who want a smooth, highly rated app: store scores sit between 3.1 and 3.7 out of 5
Experience & key features
What is SHB SAHA?
SHB SAHA is the digital banking app of Saigon-Hanoi Commercial Joint Stock Bank (SHB). Its App Store listing dates from 19 April 2023, and the description says SHB launched SHB SAHA in 2023. A Vietnam News article of 18 June 2025 presents it as an upgraded version of SHB Mobile, with a social-media-style design and SHB's orange branding, aimed at younger users. It runs on iOS and Android in Vietnamese and English.
Key features
The Google Play description lists balance and transaction history, instant transfers within SHB and to other banks, flexible savings deposits and withdrawals, electricity and water bills, phone top-ups and road tolls, card management (limit changes, lock and unlock) and online overdraft or credit card applications. The launch article also mentions virtual cards, investments, insurance and the SAHA Alliance reward game with more than VND 3 billion in prizes. In late 2025 SHB added asset management, airport lounge booking, recurring investment in VinaCapital funds and eKYC account opening for ages 15 to 18.
Pricing and value
The app is free to download and has no in-app purchases. The launch article says its services are free and that new accounts get a VND 30,000 phone top-up e-voucher. AppDuo did not find SHB's official fee schedule on the pages it checked, so check fees for particular transactions, cards or loans on the bank's website.
More analysis
Who it's for and how it compares
SHB SAHA suits SHB customers and younger users who want a free bank app that bundles many services. Its store scores (3.1/5 on Google Play, 3.7/5 on the Vietnamese App Store) are modest, and complaints centre on signing in on new devices, face verification and bugs after updates. Those who want a higher-rated app or a payments-focused wallet could look at MB Bank, Techcombank Mobile or MoMo, though this page does not compare them head to head.
Screenshots
Plans & pricing
Prices last verified Nov 13, 2026
App SHB SAHA
PersonalFree
Free to download on the App Store and Google Play, with no in-app purchases. The Vietnam News launch article says the app's services are free of charge. AppDuo did not find SHB's official fee schedule on the pages it checked, so check fees for transfers, cards or loans separately.
- Free plan limits
- The app has no separate paid tier. Any banking fees follow SHB's fee schedule, which AppDuo did not find.
- Free trial
- No free trial
Cancellation & refunds
Not applicable, as the app is free to download. Complaints about transactions or fees go to SHB; its App Store and Google Play replies point users to the *6688 hotline.
Privacy
Google Play's data safety section says the app may collect personal info, financial info and 5 other data types, and may share personal info and app activity with third parties; data is encrypted in transit but users cannot ask for it to be deleted. On the App Store, SHB declares usage data that may be used to track you across other companies' apps and websites. AppDuo has not read SHB's full privacy policy, so review it yourself before signing up. SHB states that under State Bank of Vietnam rules, from 1 January 2025 customers must verify their chip-based ID and biometrics against Ministry of Public Security data to keep transacting, and since 1 July 2024 transactions above VND 10 million each or VND 20 million a day require biometric verification.
SHB SAHA 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
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 13, 2026
No significant controversies or incidents found in the sources we checked.
Frequently asked questions
Is SHB SAHA free?
The app is free to download on the App Store and Google Play with no in-app purchases. The launch article says the services are free; check SHB's fee schedule for specific transactions.
Can foreigners use SHB SAHA?
With conditions. According to an SHB notice (November 2024), foreign customers must verify their passport, visa and biometrics at an SHB branch. A Google Play review (June 2026) says the app asks for a Vietnamese ID card photo on a new device and does not accept passports; that is one user's account, so ask SHB via the *6688 hotline before opening an account.
Where do I get help with app problems?
In its App Store and Google Play replies, SHB directs users to the *6688 hotline, which runs 24/7. SHB's homepage also has a chat option.
Review evidence & sources8
Scores
- Ease of use
- 6.0
- Features
- 7.0
- Value for money
- 7.5
- Performance
- 5.8
- Support
- 5.5
- Privacy & security
- 6.0
Why this score
The launch article describes a social-media-style design aimed at younger users. But store scores are low, reviewers cite a dated interface, bugs and trouble signing in on new devices with ID or face scans, and the app offers only Vietnamese and English.
Why this score
Covers the core digital-banking set: transfers, bills, road tolls, savings, virtual cards, 24/7 overdraft loans, investments, insurance and QR payments. Late 2025 added asset management and recurring investment. There is no evidence it leads other major bank apps.
Why this score
The app is free with no in-app purchases, and the launch article says services are free, with a VND 30,000 phone top-up e-voucher for new accounts. AppDuo did not find the official fee schedule, so the score is held back.
Why this score
Reviewers on Google Play and the App Store report constant errors despite repeated maintenance and upgrades, and a camera that fails to recognise ID on first login; Google Play shows 3.1/5. Most 2026 release notes only mention generic bug fixes, though one reviewer says the app worked abroad after a patch. No independent benchmark data was available.
Why this score
SHB offers a 24/7 *6688 hotline and chat on its website. But its replies on the App Store and Google Play are templated, and some reviewers say staff could not resolve their issues.
Why this score
Google Play says data is encrypted in transit but can't be deleted on request and may be shared with third parties; the App Store declares usage data that may be used for tracking. SHB applies biometric verification under State Bank of Vietnam rules. The full policy was not read, and no reported data breach was found.
What users say
- App Store (Vietnam)3.7/5 · 4,455
- App Store (United States)3.2/5 · 67
- Google Play (Vietnam)3.1/5 · 5,060
Sources
- storeApp Store listing (Vietnam), incl. version historyNov 13, 2026
- storeiTunes Lookup API (release date, version, rating, languages)Nov 13, 2026
- storeGoogle Play listing (Vietnam)Nov 13, 2026
- storeApp Store listing (United States)Nov 13, 2026
- pressVietnam News Bizhub: SHB launches next-gen digital banking app SHB SAHA (2025-06-18)Nov 13, 2026
- Vendor-providedSHB official homepageNov 13, 2026
- Vendor-providedSHB official: E-banking pageNov 13, 2026
- Vendor-providedSHB official: update valid ID and biometrics (2024-11-06)Nov 13, 2026
Specs & compatibility
- Developer
- SHB (Ngân hàng TMCP Sài Gòn - Hà Nội)
- Headquarters
- Vietnam
- Launched
- 2023
- Category
- Finance
Capabilities
- Mobile app
Platforms
- iOS
- Android
Interface languages
- English
- Vietnamese
Integrations
- QR thanh toán
- Thẻ ảo
- SHB Rewards
- Quỹ VinaCapital (đầu tư định kỳ)
Support
- Phone
- Live chat
Change history
- Update.Version 3.4.12 is released; the notes only mention bug fixes and experience improvements.
- Feature.Version 3.3.15 adds recurring investment in VinaCapital funds and eKYC account opening for ages 15 to 18.
- Feature.Version 3.3.12 adds asset management, airport lounge booking and an improved fund-account opening flow.
Full change history (6)
- Launch.SHB announces SHB SAHA, an upgraded version of SHB Mobile, together with the SAHA Alliance reward game.
- Update.SHB urges customers to verify chip-based ID and biometrics before 31 Dec 2024 to keep transacting from 1 Jan 2025, under State Bank of Vietnam rules.
- Launch.Release date listed on the App Store for the SHB SAHA app.
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