# OPES vs CAKE

The clearest difference is review sentiment: OPES at 33% against CAKE's 21%. CAKE's advantage is iOS requirement (13.0 vs 15.6). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

OPES ships an update fortnightly, CAKE weekly. The most recent releases landed on September 30, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | OPES | CAKE |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.5 (586 ratings)](https://appshunter.io/ios/app/cake-digital-banking/id1551907051/reviews)** |
| Number of ratings | — | **586** |
| Positive reviews | **33.3% of reviews** | 21.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | Free | Free |
| Size | 153 MB | 362 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [OPES INSURANCE JOINT STOCK COMPANY](https://appshunter.io/developer/1440456585) | [VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK](https://appshunter.io/developer/680504034) |

## What reviewers say

### OPES

[App page](https://appshunter.io/ios/app/opes/id1440456586)

This app offers a leading online platform for purchasing and researching insurance products in Vietnam. It provides personalized services and comprehensive protection plans at affordable prices, aiming to deliver a unique and energetic user experience.

**Highlights:** Online insurance purchase, Telematics technology integration, Locate nearby services, Promotions and rewards, Personalized services

**Features:** Vision Pro support

**In-app purchases:** none


### CAKE

[App page](https://appshunter.io/ios/app/cake-digital-banking/id1551907051)

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.

**Highlights:** 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

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- ⚠️ High fees and charges
- ⚠️ Deceptive practices
- ⚠️ Poor customer service
- ⚠️ Difficult verification process
- ⚠️ App crashes and freezes

**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

**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


## Frequently asked questions

### Is OPES free?

OPES is free to download, with no in-app purchases.

### Is CAKE free?

CAKE is free to download, with no in-app purchases.

### Do OPES or CAKE have ads?

Neither OPES nor CAKE shows ads.

### Which is updated more often, OPES or CAKE?

OPES ships an update fortnightly, and CAKE weekly. Most recently, OPES was updated on September 30, 2026 and CAKE on October 14, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*