# CAKE - Digital Bankin‪g

> AI-powered digital bank offering accounts, cards, loans, and savings with free services. (iPhone/iPad app by VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK.)

- Source: https://appshunter.io/ios/app/cake-digital-banking/id1551907051 (this page in markdown: same URL + `.md`)
- Developer: [VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK](https://appshunter.io/developer/680504034)
- Category: Finance, Utilities
- Price: Free
- Rating: 4.50/5 from 551 App Store ratings · 102 written reviews indexed
- Age rating: 17+
- Requires: iOS 13.0 · 357 MB
- Languages: American English
- Released: 2021-02-05
- Data updated: 2026-08-30
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/cake-digital-banking/id1551907051/reviews.md

## What is CAKE?

CAKE BY VPBANK DIGITAL BANK
CAKE BANK is the official mobile banking app of Cake by VPBank Digital Bank, enabling customers to access banking services, perform financial transactions, and manage a wide range of financial products—all on a single digital platform.

● A fully digital bank powered by Artificial Intelligence across the entire banking journey, following the vision of a Next GenAI Bank.
● The only Vietnamese digital bank recognized among the World's Top 100 Digital Banks.
● Awarded Best Digital Bank in Vietnam 2025 by The Asian Banker Global.
● A pioneer in adopting international security standards, including ISO, FIDO2, PCI DSS 4.0, while continuously developing proprietary technologies.
● Ranked among the Top 4 Vietnamese LLM developers and Top 10 fine-tuned AI models on the VLMU leaderboard.
● Offering a complete digital financial ecosystem, including bank accounts, savings, credit cards, personal loans, and many other innovative financial services.

FLEXIBLE FINANCIAL SOLUTIONS
Experience a modern digital banking ecosystem with Cake by VPBank. Open an account, access financial products, and manage your finances conveniently - all from your smartphone. Easy registration, transparent products, and secure banking.

CAKE 2in1 CARD

● Apply 100% online in as fast as 2 minutes.
● No income verification or complicated paperwork required.
● Credit limit of up to VND 100,000,000.
● Enjoy exclusive offers from Cake's partner ecosystem.
● Issued by Cake by VPBank in accordance with applicable regulations.

CAKE Cash Loan
● Apply 100% online using only your Vietnamese Citizen ID (CCCD). Funds are disbursed promptly after loan approval.
● Loan terms from 6 to 48 months.
● Loan amount from VND 5,000,000 to VND 50,000,000.
● Flat interest rate starting from 28.7% per year, up to 36% per year, depending on customer profile and lending partner.
● Maximum effective annual interest rate: 36%.
● Maximum Annual Percentage Rate (APR): 36%.
● Maximum loan amount: VND 50,000,000.

Example:
- For a loan of VND 10,000,000 over 12 months at an interest rate of 2.3% per month (equivalent to 27.6% per year):
- Monthly repayment: VND 1,065,522
- Total repayment after 12 months: VND 12,786,264
- Total interest paid: VND 2,786,264

Credit products are provided by Cake by VPBank Digital Bank and licensed financial partners in accordance with applicable regulations.

TERM DEPOSIT
● Start saving from as little as VND 100,000.
● Competitive interest rates across various terms.
● Enjoy partial early withdrawal without losing interest on the remaining balance.
● No branch visits or paperwork required.

Daily Services
● Mobile top-ups.
● Pay electricity, water, internet, and other utility bills.
● Access all your daily financial services in one app.

Cake is committed to maintaining reliable service availability, with service interruptions not exceeding 15 minutes per incident and 60 minutes per year, excluding scheduled maintenance announced in advance or force majeure events.

Cake by VPBank - Smart Finance at Your Fingertips.

Cake Digital Bank - As Easy As Cake. Start Enjoying Today!

CONNECT WITH CAKE
● Email: chat@cake.vn
● Hotline: 1900 636 686
● Website: https://cake.vn
● Head Office: 89 Lang Ha Street, Dong Da Ward, Hanoi, Vietnam

## Key features

- 100% online account registration
- AI-enhanced banking operations
- Free lifetime banking services
- Debit and credit card issuance
- Term deposits with attractive rates
- Consumer loans
- Utility payments

## What do users think of CAKE?

Overall sentiment: negative

**Pros**

- 🚀 Fast loan disbursement
- 👍 Easy and quick registration
- 👍 Good for emergencies
- 👍 High interest rates for savings
- 👍 Free interbank transfers
- 👍 Convenient app interface

**Cons**

- ⚠️ High fees and charges
- ⚠️ Deceptive practices
- ⚠️ Poor customer service
- ⚠️ Difficult verification process
- ⚠️ App crashes and freezes
- ⚠️ Unclear information and terms
- ⚠️ Issues with card management
- ⚠️ Unresponsive support
- ⚠️ Account suspension without reason
- ⚠️ Aggressive debt collection tactics
- ⚠️ Unsolicited charges
- ⚠️ Inconsistent promotional offers
- ⚠️ Difficult to change phone number
- ⚠️ Unpleasant staff attitude
- ⚠️ Unintuitive UI updates

**Commonly reported bugs**

- App crashes on startup (iOS)
- App freezes and closes after opening
- White screen when trying to access loan application
- Unable to withdraw money
- Account locked without explanation
- Face verification fails repeatedly
- CCCD linked to wrong account
- Unable to log in, profile already exists error
- Money transferred but not received
- App crashes on latest iOS versions
- App crashes on iPhone 7, 8 Plus
- Transaction errors, money not received
- Unable to access account after depositing money
- App crashes when opening
- App freezes and closes on iOS
- Unable to verify identity multiple times

**Most requested features**

- Add VNeID authentication for CCCD
- Restore old PIN entry interface
- Display balance in transaction history
- Improve face recognition for verification
- More flexible phone number change process
- More detailed statement information
- Allow opening accounts for users under 18
- Offer international virtual payment cards
- Improve UI/UX, revert to simpler design
- Allow more than 2 virtual card creations
- Provide clearer information on fees and charges
- Improve OTP verification for PIN changes

## Recent user reviews (10 of 102)

All indexed reviews: https://appshunter.io/ios/app/cake-digital-banking/id1551907051/reviews.md

### 1/5 — Tệ

*2026-06-23, version 18.8.1*

Bấm mở thẻ thì ko đc. Gọi tổng đài thì ko nhấc máy
V mục đích làm cái tk làm gì?

### 1/5 — Lỗi app

*2026-06-03*

App update lỗi không quét khuôn mặt đc rồi sao xài. Đổi password yêu cầu quét mặt mà mh thì đen. Gọi tổng đài không nghe máy. Mở case sp xong đóng.

**Developer response:** Cake by VPBank rất tiếc về trải nghiệm chưa được như mong muốn của bạn. Cake mong được hiểu rõ vấn đề để được hỗ trợ, mời bạn liên hệ hotline 1900636686 hoặc chat@cake.vn bạn nhé. Cảm ơn bạn.

### 5/5 — Tuyệt

*2026-05-06*

Cám ơn Anh Chị Cake❤️

**Developer response:** Cake by VPBank cảm ơn bạn đã gửi đánh giá về ứng dụng Cake trên CH Play. Cake mong tiếp tục nhận được sự ủng hộ từ bạn. Chúc bạn luôn có những trải nghiệm thú vị cùng các chương trình ưu đãi hấp dẫn của Cake nha!

### 5/5 — Duyệt nhanh

*2026-03-13*

Rất tốt . Uy tín

### 1/5 — Lừa đảo

*2026-03-10*

Tất toán hết hợp đồng ví trả sau mà tháng đ nào cũng phải đóng lãi cho nó

### 5/5 — Tân tiến

*2026-03-08*

Nhanh gọn lẹ

### 5/5 — tối

*2026-02-13*

tốt

### 1/5 — Trừ phí ngu

*2026-02-07*

Mở thẻ chưa đc 1 năm đã trừ phí thường niên ko báo trc

### 1/5 — Quá tệ hại

*2026-01-27*

Đéo hiểu sao khoá tài khoản của mình ??? Lúc xác minh lại show căn cước các thứ đấy đủ rồi xác nhận mail bảo mình sai cái kí tự đéo gì đó rồi không mở tài khoản. Đéo muốn chửi đâu nhưng đcm quả app rác rưởi

### 1/5 — Khoản vay nhanh trên app

*2026-01-20, version 17.8.3*

Vay trên app xong mình có tiền để tất toán HĐ, thế đéo nào tất toán xong HĐ thì check lại vẫn còn dư nợ 63k. Đây là lý do tại sao có 1 số người họ bị nợ xấu. 
Điện lên tổng đài hỗ trợ thì kêu là còn khoản dư nợ 63k chưa thanh toán. Tao vẫn đéo hiểu tao đã tất toán thì cái 63k này lòi ở đâu ra. Địt mẹ bọn cake làm ăn như cặc

## Frequently asked questions about CAKE

### What is CAKE Digital Bank?

CAKE is a digital bank that provides a comprehensive range of financial services, including payment accounts, savings, credit cards, and consumer loans. It leverages AI to enhance banking operations and customer experiences, aiming for financial inclusion.

### What are the key features of CAKE?

Key features include 100% online account registration with eKYC, an account number that is a phone number, lifetime free services like money transfers and account maintenance, debit and credit cards with quick issuance, term deposits with attractive interest rates, and utility payments directly within the app.

### How much does CAKE Digital Bank cost?

The app offers lifetime free services for its current accounts, including money transfer fees, withdrawal fees, account maintenance fees, and SMS fees. Other services like credit cards and term deposits are also designed to be accessible with minimal or no upfront costs.

### Is CAKE Digital Bank available in my region?

Based on the description, CAKE Digital Bank is a representative of Vietnam and is recognized as the best digital bank in Vietnam. It is designed to serve customers within Vietnam, leveraging Vietnamese language models.

### What are common use cases for CAKE Digital Bank?

Common use cases include opening a bank account entirely online, managing daily finances with free transfers and withdrawals, applying for debit or credit cards, saving money with term deposits, and paying bills and topping up phones directly through the app.

## Version history (last 5 releases)

### 19.3.0 — 2026-08-24

Bug fixes and performance improvements.
Update app now for better experiences!

### 19.2.1 — 2026-08-17

Bug fixes and performance improvements.
Update app now for better experiences!

### 19.2.0 — 2026-08-12

Bug fixes and performance improvements.
Update app now for better experiences!

### 19.1.1 — 2026-08-03

Bug fixes and performance improvements.
Update app now for better experiences!

### 19.1.0 — 2026-07-30

Bug fixes and performance improvements.
Update app now for better experiences!

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## More apps by VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK

- [VPBank NEO](https://appshunter.io/ios/app/vpbank-neo/id1209349510)
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- [VPBank NEOBiz](https://appshunter.io/ios/app/vpbank-neobiz/id1589207653)

All apps by VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK: https://appshunter.io/developer/680504034

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*