# CAKE vs HD Saison

The clearest difference is rating: CAKE at 4.5 against HD Saison's 2.0. CAKE also leads on update cadence (weekly vs every 2 months) and ratings volume (598 vs 8). 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 2.0. That said, the two scores are not equally well evidenced: CAKE has 598 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 21% of CAKE's written reviews are positive against 9% of HD Saison's.

CAKE ships an update weekly, HD Saison every 2 months. The most recent releases landed on October 28, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | CAKE | HD Saison |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (598 ratings)](https://appshunter.io/ios/app/cake-digital-banking/id1551907051/reviews)** | [2.0 (8 ratings)](https://appshunter.io/ios/app/hd-saison/id1589425903/reviews) |
| Number of ratings | **598** | 8 |
| Positive reviews | **21.0% of reviews** | 9.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 2 months |
| Monetization | Free | Free |
| Size | 364 MB | 156 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 17+ | 17+ |
| Developer | [VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK](https://appshunter.io/developer/680504034) | [HD SAISON FINANCE CO.,LTD](https://appshunter.io/developer/1491870348) |

## What reviewers say

### 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


### HD Saison

[App page](https://appshunter.io/ios/app/hd-saison/id1589425903)

This app offers a convenient and secure way to apply for consumer loans directly from your smartphone. Easily select loan amounts, provide identification, choose disbursement methods, and complete your application process anytime, anywhere.

**Highlights:** 24/7 loan application, Free registration and profile review, Simple loan procedures, Easy application submission, No income verification required, Flexible loan amounts and terms

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is CAKE free?

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

### Is HD Saison free?

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

### Which has better reviews, CAKE or HD Saison?

CAKE is rated higher. CAKE averages 4.5 out of 5 from 598 ratings, while HD Saison averages 2.0 from 8 ratings.

### Do CAKE or HD Saison have ads?

Neither CAKE nor HD Saison shows ads.

### Which is updated more often, CAKE or HD Saison?

CAKE ships an update weekly, and HD Saison every 2 months. Most recently, CAKE was updated on October 28, 2026 and HD Saison on October 23, 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.*