# CAKE vs SePay

The clearest difference is device support: CAKE at 3 against SePay's —. On price, in-app purchases and iOS requirement there is nothing between them.

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

## The numbers

| Metric | CAKE | SePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (597 ratings)](https://appshunter.io/ios/app/cake-digital-banking/id1551907051/reviews)** | — |
| Number of ratings | **597** | — |
| Positive reviews | 21.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | — |
| Update frequency | Weekly | — |
| Monetization | Free | — |
| Size | 364 MB | 32 MB |
| Requires iOS | 13.0 | **12.0** |
| Devices | **iPhone, iPad, iPod** | — |
| Age rating | 17+ | 17+ |
| Developer | [VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK](https://appshunter.io/developer/680504034) | [SEPAY JOINT STOCK COMPANY](https://appshunter.io/developer/1756122742) |

## 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


### SePay

[App page](https://appshunter.io/ios/app/sepay/id6523435118)

**In-app purchases:** none


## Frequently asked questions

### Is CAKE free?

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

### Is SePay free?

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

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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.*