# CAKE vs HPO

CAKE and HPO both sit at 4.5 stars, but that hides the real split: 61% of HPO's written reviews are positive against 21% of CAKE's. CAKE's advantage is update cadence (weekly vs monthly) and ratings volume (608 vs 178). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.5 for CAKE against 4.6 for HPO. Both are backed by a comparable volume of ratings — 608 and 178 respectively. Written reviews are what separate them: 21% of CAKE's written reviews are positive against 61% of HPO's.

CAKE ships an update weekly, HPO monthly. The most recent releases landed on November 7, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | CAKE | HPO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (608 ratings)](https://appshunter.io/ios/app/cake-digital-banking/id1551907051/reviews) | **[4.6 (178 ratings)](https://appshunter.io/ios/app/hpo/id6504893750/reviews)** |
| Number of ratings | **608** | 178 |
| Positive reviews | 21.0% of reviews | **60.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Monthly |
| Monetization | Free | Free |
| Size | 365 MB | 132 MB |
| Requires iOS | **13.0** | 15.0.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| 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


### HPO

[App page](https://appshunter.io/ios/app/hpo/id6504893750)

This app allows users to scan QR codes and read NFC-enabled citizen ID cards. It facilitates a quick and secure eKYC process, offering a modern and convenient experience for identity verification on any device, anytime.

**Highlights:** QR code scanning, NFC chip-based citizen ID card reading, eKYC process facilitation, Secure information handling, Modern user interface, Cross-device compatibility

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 App quét nhanh
- 👍 Dễ sử dụng
- 🚀 Xét duyệt nhanh
- 👍 App mượt
- 👍 Chuyên nghiệp

**What reviewers complain about**

- 😞 Lừa đảo/rò rỉ dữ liệu
- 😞 Không thành công
- 😞 Chán
- 😞 Lag, nóng máy
- 😞 Bị diss ra khỏi app

**Reported bugs**

- Không vào dsc để ký hợp đồng
- Không xác nhận dsc
- Không biết kết quả trả ở đâu
- Không xem được đơn
- Không có SMS gửi về số điện thoại

**Requested features**

- Cải thiện hỗ trợ khách hàng
- Cải thiện quy trình thẩm định
- Thay đổi tên ứng dụng để dễ hiểu hơn


## Frequently asked questions

### Is CAKE free?

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

### Is HPO free?

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

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

HPO is rated higher. CAKE averages 4.5 out of 5 from 608 ratings, while HPO averages 4.6 from 178 ratings.

### Do CAKE or HPO have ads?

Neither CAKE nor HPO shows ads.

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

CAKE ships an update weekly, and HPO monthly. Most recently, CAKE was updated on November 7, 2026 and HPO on November 8, 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.*