# HDBank vs CAKE

The clearest difference is rating: CAKE at 4.5 against HDBank's 3.6. CAKE also leads on update cadence (weekly vs fortnightly) and ratings volume (586 vs 100). HDBank's advantage is review sentiment (34% vs 21%). On price, ads, in-app purchases and monetization model there is nothing between them.

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

CAKE holds the better App Store score, 4.5 against 3.6. That said, the two scores are not equally well evidenced: CAKE has 586 ratings behind it against 100, so its average is the more settled of the two. Written reviews complicate that: 34% of HDBank's written reviews are positive against 21% of CAKE's, so the app with the better star average is not the one people write more warmly about.

HDBank ships an update fortnightly, CAKE weekly. The most recent releases landed on October 16, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | HDBank | CAKE |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (100 ratings)](https://appshunter.io/ios/app/hdbank/id1461658565/reviews) | **[4.5 (586 ratings)](https://appshunter.io/ios/app/cake-digital-banking/id1551907051/reviews)** |
| Number of ratings | 100 | **586** |
| Positive reviews | **34.4% of reviews** | 21.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | Free | Free |
| Size | 644 MB | 362 MB |
| Requires iOS | 14.0 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Ho Chi Minh City Development Joint Stock Commercial Bank](https://appshunter.io/developer/1304901616) | [VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK](https://appshunter.io/developer/680504034) |

## What reviewers say

### HDBank

[App page](https://appshunter.io/ios/app/hdbank/id1461658565)

Manage your personal finances quickly, securely, and conveniently with this modern banking app. It offers biometric login, QR code payments, virtual assistant support, and various transaction services.

**Highlights:** Biometric login (fingerprint, face, PIN), QR code payments (VNPAY-QR), Virtual assistant (chatbot) support, Stock market information, Flight booking and payment, Account balance and transaction history, Money transfer services

**Features:** Apple Wallet, 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 HDBank free?

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

### Is CAKE free?

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

### Which has better reviews, HDBank or CAKE?

CAKE is rated higher. HDBank averages 3.6 out of 5 from 100 ratings, while CAKE averages 4.5 from 586 ratings.

### Do HDBank or CAKE have ads?

Neither HDBank nor CAKE shows ads.

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

HDBank ships an update fortnightly, and CAKE weekly. Most recently, HDBank was updated on October 16, 2026 and CAKE on October 19, 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.*