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CAKE - Digital Bankin‪g

CAKE - Digital Bankin‪g

by VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK

599 ratings
105 reviews
🔧 Utilities
💰 Finance
Free

Details

Released
February 5, 2021
Updated
October 19, 2026

Features

Developer

VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK
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CAKE - Digital Bankin‪g screenshot #1 for iPhone
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CAKE - Digital Bankin‪g screenshot #8 for iPhone
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About

This digital bank offers a full suite of financial services, including accounts, cards, loans, and savings, powered by AI for enhanced customer experience. It prioritizes security and financial inclusion with a 100% online onboarding process and free lifetime services.

✓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
Show original description

What users say about CAKE

Reviews of CAKE are mostly negative: the Finance app is rated 4.5/5 from 599 App Store ratings. What users like most: fast loan disbursement, easy and quick registration. Top complaints: high fees and charges, deceptive practices. Summarized from real user reviews.

Positive things

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

Negative things

  • ⚠️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
See all reviews

What's New in CAKE

19.7.0

October 19, 2026

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

Events

Read more about Tiết Kiệm Bạn Mới
HappeningSpecial Event

Tiết Kiệm Bạn Mới

Tặng thêm 2.2% lãi suất, mở online trên app CAKE

Oct 30, 2026 — Nov 30, 2026

Read More

Read more about Tiết Kiệm Bạn Mới
Event EndedSpecial Event

Tiết Kiệm Bạn Mới

Tặng thêm 2.2% lãi suất, tổng lãi đến 9.6%/năm

Sep 22, 2026 — Oct 22, 2026

Read More

Read more about Tiết Kiệm Bạn Mới Tháng 9
Event EndedSpecial Event

Tiết Kiệm Bạn Mới Tháng 9

Tặng thêm 2% lãi suất, tổng lãi đến 9.4%/năm

Sep 4, 2026 — Sep 30, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

tệ

Cứ 2-3 hôm la bắt xác nhận , quảng cáo quá nhiều , giao dịch cứ bị hoãn miết 👎👎👎
DDung121

Không thể rút sổ tiết kiệm gọi cskh là AI ko thể giải quyết lỗi

Không thể rút sổ tiết kiệm gọi cskh là AI ko thể giải quyết lỗi
PPhuquyng23

Response from developer

Cake by VPBank rất tiếc về trải nghiệm chưa được như mong muốn của bạn. Khi gọi hotline gặp AI chưa giải quyết được vấn đề của bạn sẽ có nhân viên gọi lại hỗ trợ bạn nhé, ngoài ra bạn có thể gửi hỗ trợ qua email chat@cake.vn nhé. Cảm ơn bạn.

Lũ súc vật

Nợ có vài đồng chưa đến ngày trả mà cứ liên tục gọi điện làm phiền. Cút mẹ chúng mày đi
ĐCĐịtmẹ Cake

Response from developer

Cake by VPBank rất tiếc về trải nghiệm chưa được như mong muốn của bạn. Cake mong hiểu rõ hơn yêu cầu của bạn để có cơ hội trao đổi và hỗ trợ. Mời bạn liên hệ Cake theo số hotline 1900.636.686 hoặc chat@cake.vn. Chúc bạn sẽ có những trải nghiệm thú vị cùng các chương trình ưu đãi hấp dẫn của Cake và thay đổi đánh giá trong tương lai!

Tệ

Bấm mở thẻ thì ko đc. Gọi tổng đài thì ko nhấc máy
V mục đích làm cái tk làm gì?
GGooddevil002

Lỗi app

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.
CCoolHealth

Response from developer

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.

See 100 more reviews

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User experience

🐞

Reported Bugs

16 issues

App crashes on startup (iOS)

Bug

App freezes and closes after opening

Bug

White screen when trying to access loan application

Bug

Unable to withdraw money

Bug

Account locked without explanation

Bug

Face verification fails repeatedly

Bug

CCCD linked to wrong account

Bug

Unable to log in, profile already exists error

Bug

Money transferred but not received

Bug

App crashes on latest iOS versions

Bug

App crashes on iPhone 7, 8 Plus

Bug

Transaction errors, money not received

Bug

Unable to access account after depositing money

Bug

App crashes when opening

Bug

App freezes and closes on iOS

Bug

Unable to verify identity multiple times

Bug
✨

Requested Features

12 requests

Add VNeID authentication for CCCD

Feature

Restore old PIN entry interface

Feature

Display balance in transaction history

Feature

Improve face recognition for verification

Feature

More flexible phone number change process

Feature

More detailed statement information

Feature

Allow opening accounts for users under 18

Feature

Offer international virtual payment cards

Feature

Improve UI/UX, revert to simpler design

Feature

Allow more than 2 virtual card creations

Feature

Provide clearer information on fees and charges

Feature

Improve OTP verification for PIN changes

Feature

FAQ

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.