# CAKE vs Sổ Hụi 4.0

The clearest difference is rating: Sổ Hụi 4.0 at 5.0 against CAKE's 4.5. CAKE's advantage is ratings volume (608 vs 4) and iOS requirement (13.0 vs 15.0). 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.

Sổ Hụi 4.0 holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: CAKE has 608 ratings behind it against 4, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on November 7, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | CAKE | Sổ Hụi 4.0 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (608 ratings)](https://appshunter.io/ios/app/cake-digital-banking/id1551907051/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/so-hui-40/id6479584745/reviews)** |
| Number of ratings | **608** | 4 |
| Positive reviews | 21.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Weekly | Weekly |
| Monetization | Free | Free |
| Size | 365 MB | 90 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK](https://appshunter.io/developer/680504034) | [hung bui thai](https://appshunter.io/developer/1594862481) |

## 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


### Sổ Hụi 4.0

[App page](https://appshunter.io/ios/app/so-hui-40/id6479584745)

Manage your savings groups with ease. Track contributions, payments, and balances for all your groups. Get detailed reports on your savings activities.

**Highlights:** Manage savings groups, Track contributions, Record payments, Balance management, Detailed reports

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is CAKE free?

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

### Is Sổ Hụi 4.0 free?

Sổ Hụi 4.0 is free to download, with no in-app purchases.

### Which has better reviews, CAKE or Sổ Hụi 4.0?

Sổ Hụi 4.0 is rated higher. CAKE averages 4.5 out of 5 from 608 ratings, while Sổ Hụi 4.0 averages 5.0 from 4 ratings.

### Do CAKE or Sổ Hụi 4.0 have ads?

Neither CAKE nor Sổ Hụi 4.0 shows ads.

### Which is updated more often, CAKE or Sổ Hụi 4.0?

CAKE ships an update weekly, and Sổ Hụi 4.0 weekly. Most recently, CAKE was updated on November 7, 2026 and Sổ Hụi 4.0 on November 4, 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.*