# VNPAY App vs CAKE

VNPAY App and CAKE both sit at 4.3 stars, but that hides the real split: 55% of VNPAY App's written reviews are positive against 21% of CAKE's. On price, rating, ratings volume and update cadence 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 4.3. Both are backed by a comparable volume of ratings — 661 and 603 respectively. Written reviews complicate that: 55% of VNPAY App'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.

VNPAY App ships an update every 10 days, CAKE weekly. Both last shipped on November 3, 2026.

## The numbers

| Metric | VNPAY App | CAKE |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (661 ratings)](https://appshunter.io/ios/app/vnpay-app/id1470378562/reviews) | **[4.5 (603 ratings)](https://appshunter.io/ios/app/cake-digital-banking/id1551907051/reviews)** |
| Number of ratings | **661** | 603 |
| Positive reviews | **55.1% of reviews** | 21.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 10 days | **Weekly** |
| Monetization | Free | Free |
| Size | 508 MB | 365 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [VNPAY](https://appshunter.io/developer/443364658) | [VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK](https://appshunter.io/developer/680504034) |

## What reviewers say

### VNPAY App

[App page](https://appshunter.io/ios/app/vnpay-app/id1470378562)

This app is a comprehensive payment and shopping platform integrating transportation, entertainment, and retail. It offers multiple secure payment options and a wide range of services for daily life, including shopping, booking travel, and purchasing entertainment tickets.

**Highlights:** Multiple secure payment methods, QR code scanning, Online shopping on VnShop, Book taxis, flights, trains, buses, Purchase movie and event tickets, Buy now, pay later services, Consumer loans

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

**In-app purchases:** none

**What reviewers like**

- 💳 Convenient payment options
- 💰 Many discount codes and promotions
- 🚀 Fast and smooth transactions
- 🇻🇳 Supports national celebrations

**What reviewers complain about**

- 🤔 Compatibility issues with foreign cards
- 🤖 Poor customer support
- 🚫 Merchants not accepting VNPAY QR codes
- 🔒 Unreliable identity verification

**Reported bugs**

- Frequent connection errors
- Issues with payment processing and refunds
- App crashes during transactions

**Requested features**

- Expand merchant network to accept VNPAY QR
- Improve in-app support and troubleshooting
- Allow more flexibility in identity verification


### 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 VNPAY App free?

VNPAY App 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, VNPAY App or CAKE?

CAKE is rated higher. VNPAY App averages 4.3 out of 5 from 661 ratings, while CAKE averages 4.5 from 603 ratings.

### Do VNPAY App or CAKE have ads?

Neither VNPAY App nor CAKE shows ads.

### Which is updated more often, VNPAY App or CAKE?

VNPAY App ships an update every 10 days, and CAKE weekly. Most recently, VNPAY App was updated on November 3, 2026 and CAKE on November 3, 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.*