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Source-backed analysis12

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 10, 2026

How we review
VCB Digibank logo

VCB Digibank Review

Vietcombank's digital banking app: zero-fee transfers, but low store ratings

Editorial Team6.8/10Write the first review

By Official AppDuo editorial team · Updated

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

Our verdict

VCB Digibank suits people who already have or plan to open a Vietcombank account and want free transfers, bill payments, savings and loans in the app of a bank with 126 branches. The trade-offs: store ratings of only 3.4/5 on the App Store and 3.8/5 on Google Play, and an official fee schedule worth checking yourself, since most public fee figures come from 2021–2022 press.

Best for: Vietcombank customers who want the bank's own app for transfers, savings, loans, bill payments and card management

Skip it if: Anyone who just wants a standalone wallet or quick-pay app not tied to a specific bank account

Pros

  • The store listing states no transfer, registration or maintenance fees; press says transfers within and outside the system have been free since 1 Jan 2022
  • Many functions in one app: transfers, QR cash withdrawal, savings, loans, bill payments, top-ups, investment, insurance, ticket booking, plus personal finance management and group accounts
  • A large bank with a wide network: 126 branches, 559 transaction offices and 3,040 ATMs; the digital banking page states 24/7 support

Cons

  • Low store ratings: 3.4/5 from 65,792 ratings on the Vietnamese App Store and 3.8/5 from about 188,000 on Google Play
  • The official fee schedule could not be loaded; some items such as SMS balance alerts still carry a fee
All pros and cons · Who is it for?

Pros

  • Smart OTP for transfers above 100 million ₫ and self-set transaction limits in the app

Cons

  • The data policy allows transfer and storage abroad, use for marketing, and gives only a generic retention period

Best for

  • People who prefer a large bank with branches for matters that need in-person service

Skip it if

  • Users who put weight on store ratings, since the app sits at 3.4/5 (App Store) and 3.8/5 (Google Play)

Problems it solves

Experience & key features

What is VCB Digibank?

VCB Digibank is the digital banking app and platform for personal customers of Vietcombank (Joint Stock Commercial Bank for Foreign Trade of Vietnam). According to its about page, the bank began operating on 1 April 1963, was the first state commercial bank to equitise (IPO in 2007), became a joint-stock bank on 2 June 2008 and listed as VCB on the Ho Chi Minh City exchange on 30 June 2009. On 16 July 2020, per Vietnam News, Vietcombank launched VCB Digibank, merging internet banking and mobile banking into one service with a single login for web and app.

Key features

The App Store description lists online registration in minutes, a free account number matching your phone number and free account nicknames, personal finance management, group accounts, interface selection, QR transfers and cash withdrawal, and hundreds of other transactions such as savings, loan disbursement, electricity, water and telecom bills, phone top-ups, investment, insurance, taxi, flight and train booking. Vietcombank's digital banking page also describes a "QR receive-money" toolkit with per-QR revenue tracking for sellers, and two ways to get balance alerts: by SMS or in the app. Larger transactions are confirmed with Smart OTP.

Fees and limits

The store listing states no transfer, registration or maintenance fees. Vietnam Financial Times (28 Dec 2021) reported that from 1 Jan 2022 Vietcombank made all transfers within and outside its system free on VCB Digibank, dropped the 10,000 ₫/month maintenance fee and the 2,000 ₫/month default-account fee, with no minimum balance. VNBA (4 Jan 2022) reported maximum per-transaction limits rising to 3 billion ₫ for standard customers and 10 billion ₫ for priority customers; the default for new registrations is 100 million ₫, with Smart OTP required above that. These are early-2022 press figures, and the current official fee schedule could not be loaded during research.

More analysis

User ratings and personal data

VCB Digibank's ratings are low: 3.4/5 from 65,792 ratings on the Vietnamese App Store and roughly 3.8/5 from 188,000 on Google Play per AppGoblin. Some reviews visible on the App Store (from 2020 and 2021) complain about high fees, forced upgrades and difficult password recovery; the fees mentioned were later waived per the late-2021 announcements. On data, the general conditions under Decree 13/2023 allow sharing with partners and foreign institutions and storage abroad including in the cloud, with retention described only as "for the time necessary".

Who it's for and how it compares

VCB Digibank suits Vietcombank customers who want a large bank's own app and branches for in-person matters. For comparison, MB Bank, Techcombank Mobile, BIDV SmartBanking, VietinBank iPay and TPBank Mobile are banking apps in the same group, while MoMo is an e-wallet that does not depend on one bank account. This review is based on public documents rather than hands-on use, so check current fees and limits before relying on it.

Screenshots

Home screen showing account number, balance, transaction history and favourite functions such as the electricity bill
Home screen showing account number, balance, transaction history and favourite functions such as the electricity bill
Dark theme with a city background, plus Accounts & Cards, Product and search shortcuts
Dark theme with a city background, plus Accounts & Cards, Product and search shortcuts
Choice of interface themes ("Select interface")
Choice of interface themes ("Select interface")
Transfer screen with domestic, overseas, cash and scheduled transfers, under a "zero-fee transaction" banner
Transfer screen with domestic, overseas, cash and scheduled transfers, under a "zero-fee transaction" banner

Plans & pricing

Prices last verified Nov 10, 2026

VCB Digibank (khách hàng cá nhân)

Personal

Free

The App Store description states no transfer, registration or maintenance fees. Press reports say that from 1 Jan 2022 Vietcombank made transfers within and outside its system free on VCB Digibank and dropped the 10,000 ₫/month maintenance fee and the 2,000 ₫/month default-account fee. SMS balance alerts still carry their own fee; in-app OTT Alert notifications are described as free. New registrations get a default limit of 100,000,000 ₫ per transaction, adjustable in the app, with Smart OTP required above that. From 1 Jan 2022 the maximum is 3 billion ₫ per transaction for standard customers and 10 billion ₫ for priority customers.

Free plan limits
A Vietcombank account is required. The official fee schedule sits under Forms & Fees on the Vietcombank website (its content could not be loaded during research), and the fees and limits above come from 2021–2022 press, so check them against the current schedule.
Free trial
No free trial
Cancellation & refunds

No separate refund policy for VCB Digibank was found in the sources opened. Check transfers carefully before confirming; disputes go through the 1900 54 54 13 hotline or a branch.

Privacy

Vietcombank publishes "General Transaction Conditions on Personal Data Protection" (a PDF with 2023 in its file name) on its website, referencing Decree 13/2023/ND-CP. The document lists basic and sensitive data that may be processed, including physical and biological characteristics and images from cameras at branches. Purposes include providing products, customer care, complaints and both direct and indirect marketing. Data may be shared with group companies, partners, service providers and foreign financial institutions, and transferred or stored abroad, including in the cloud. It lists 11 data-subject rights (to know, consent, access, withdraw consent, erasure, restriction, objection, complaint and more) but says withdrawing consent or requesting deletion may lead the bank to stop providing services. Gaps: retention is only "for the time necessary", there is no dedicated channel for data requests beyond the hotline and branches, and AppGoblin lists Google and Facebook advertising SDKs in the Android app. The App Store privacy label says diagnostics data may be used to track users across other companies' apps and websites.

Official pricing page

VCB Digibank alternatives

VCB Digibank logoVSBIDV SmartBanking logoVCB Digibank vs BIDV SmartBanking
Techcombank Mobile logo7.7/10

Techcombank Mobile

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

Free
VietinBank iPay logo7.5/10

VietinBank iPay

VietinBank's banking app: AI suggestions, V-Wealth investing and VNeID account opening

Free
All alternatives

Frequently asked questions

Does VCB Digibank charge fees?

The App Store description states no transfer, registration or maintenance fees, and press reported free transfers and no maintenance fee from 1 Jan 2022. Items such as SMS balance alerts still have their own fee; see the current schedule on the Vietcombank website.

What is the transfer limit on VCB Digibank?

Per VNBA (4 Jan 2022), the default for new registrations is 100 million ₫ per transaction, adjustable in the app, with maximums of 3 billion ₫ (standard) and 10 billion ₫ (priority). Transfers above 100 million ₫ require Smart OTP. Current limits may have changed.

When did VCB Digibank launch?

Vietcombank launched VCB Digibank on 16 July 2020, per Vietnam News, merging internet and mobile banking. The app listing dates back to 2 Oct 2012 on the App Store and 22 Nov 2012 on Google Play according to store data.

How do I contact VCB Digibank support?

Call the 1900 54 54 13 hotline (the digital banking page states 24/7 support) or visit a nearby branch. The website also has an FAQ page.

Review evidence & sources12

Scores

Ease of use
6.4
Why this score

Offers interface themes, customisable favourites and online registration. But 3.4/5 on the App Store and 3.8/5 on Google Play are low, and reviews visible on the App Store (2020–2021) complain of forced upgrades and difficult password recovery; whether those problems persist is unclear.

Features
7.4
Why this score

Domestic and international transfers, QR cash withdrawal, savings, loans, bill payments, investment, insurance, ticket booking, personal finance management, group accounts and a QR toolkit for sellers. No standout feature beyond other large banking apps appears in the sources opened.

Value for money
8.0
Why this score

Zero-fee transfers and no maintenance fee according to both the store listing and press. Below 8.5 because the current official fee schedule could not be opened and SMS balance alerts still cost money.

Performance
6.2
Why this score

No independent speed or uptime data. iOS 6.6.1 (4 Nov 2026) and an Android update on 3 Nov 2026 show regular maintenance, but store ratings are low (3.4 and 3.8).

Support
6.8
Why this score

A 1900 54 54 13 hotline, 24/7 support stated on the digital banking page, a wide branch network and an FAQ page. Marked down because the sources opened mention no in-app chat support, and older App Store reviews complain about getting through to the hotline and paying for calls during password recovery.

Privacy & security
6.0
Why this score

A general conditions document under Decree 13/2023 listing 11 data-subject rights. Marked down for allowing processing of sensitive data including biological characteristics, marketing use, transfer and storage abroad including cloud, no concrete retention period, and withdrawal of consent possibly ending the service.

What users say

Sources

Specs & compatibility
Developer
Ngân hàng TMCP Ngoại thương Việt Nam (Vietcombank)
Headquarters
Vietnam
Launched
2020
Category
Finance

Capabilities

  • Mobile app

Platforms

  • Web
  • iOS
  • Android

Interface languages

  • Vietnamese
  • English

Integrations

  • VietQR
  • Smart OTP

Support

  • Phone
  • Help center

Change history

  1. Feature.iOS version 6.6.1 is released.
  2. Price.Vietcombank makes transfers on VCB Digibank free and drops the 10,000 ₫/month service fee; maximum per-transaction limits rise to 3 billion ₫ (standard) and 10 billion ₫ (priority).
  3. Launch.Vietcombank launches VCB Digibank, merging internet and mobile banking under one login for web and app.
Full change history (7)
  1. Company.Vietcombank goes live on a new core banking system.
  2. Launch.The app first appears on the Vietnamese App Store (the predecessor of VCB Digibank).
  3. Company.VCB shares list on the Ho Chi Minh City exchange, following the bank's equitisation in 2007 and 2008.
  4. Company.Vietcombank begins operating under a 1962 government decree.
About the author

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