CAKE vs SpendBee

CAKE BY VPBANK DIGITAL BANK CAKE BANK is the official mobile banking app of Cake by VPBank Digital Bank, enabling customers to access banking services, perform financial transactions, and manage a wide range of financial products—all on a single digital platform. ● A fully digital bank powered by Artificial Intelligence across the entire banking journey, following the vision of a Next GenAI Bank. ● The only Vietnamese digital bank recognized among the World's Top 100 Digital Banks. ● Awarded Best Digital Bank in Vietnam 2025 by The Asian Banker Global. ● A pioneer in adopting international security standards, including ISO, FIDO2, PCI DSS 4.0, while continuously developing proprietary technologies. ● Ranked among the Top 4 Vietnamese LLM developers and Top 10 fine-tuned AI models on the VLMU leaderboard. ● Offering a complete digital financial ecosystem, including bank accounts, savings, credit cards, personal loans, and many other innovative financial services. FLEXIBLE FINANCIAL SOLUTIONS Experience a modern digital banking ecosystem with Cake by VPBank. Open an account, access financial products, and manage your finances conveniently - all from your smartphone. Easy registration, transparent products, and secure banking. CAKE 2in1 CARD ● Apply 100% online in as fast as 2 minutes. ● No income verification or complicated paperwork required. ● Credit limit of up to VND 100,000,000. ● Enjoy exclusive offers from Cake's partner ecosystem. ● Issued by Cake by VPBank in accordance with applicable regulations. CAKE Cash Loan ● Apply 100% online using only your Vietnamese Citizen ID (CCCD). Funds are disbursed promptly after loan approval. ● Loan terms from 6 to 60 months. ● Loan amount from VND 5,000,000 to VND 60,000,000. ● Flat interest rate starting from 28.7% per year, up to 36% per year, depending on customer profile and lending partner. ● Maximum effective annual interest rate: 36%. ● Maximum Annual Percentage Rate (APR): 36%. ● Maximum loan amount: VND 60,000,000. Example: - For a loan of VND 10,000,000 over 12 months at an interest rate of 2.3% per month (equivalent to 27.6% per year): - Monthly repayment: VND 1,065,522 - Total repayment after 12 months: VND 12,786,264 - Total interest paid: VND 2,786,264 Credit products are provided by Cake by VPBank Digital Bank and licensed financial partners in accordance with applicable regulations. TERM DEPOSIT ● Start saving from as little as VND 100,000. ● Competitive interest rates across various terms. ● Enjoy partial early withdrawal without losing interest on the remaining balance. ● No branch visits or paperwork required. Daily Services ● Mobile top-ups. ● Pay electricity, water, internet, and other utility bills. ● Access all your daily financial services in one app. Cake is committed to maintaining reliable service availability, with service interruptions not exceeding 15 minutes per incident and 60 minutes per year, excluding scheduled maintenance announced in advance or force majeure events. Cake by VPBank - Smart Finance at Your Fingertips. Cake Digital Bank - As Easy As Cake. Start Enjoying Today! CONNECT WITH CAKE ● Email: chat@cake.vn ● Hotline: 1900 636 686 ● Website: https://cake.vn ● Head Office: 89 Lang Ha Street, Dong Da Ward, Hanoi, Vietnam

SpendBee - Smart Expense Tracker and Personal Finance Manager SpendBee is a personal expense tracker that helps you manage daily expenses, income, wallets, debts, and recurring transactions in a simple, fast, and effective way. With just a few taps, you can record every expense and income, track what you owe and what is owed to you, automate recurring payments, clearly understand your cash flow, and take control of your money every day. Whether you are looking for an expense tracking app, a personal finance manager, or a simple way to build better saving habits, SpendBee is designed to fit your daily needs. WHY CHOOSE SPENDBEE? SpendBee is more than a basic expense tracker. It is a smart personal finance assistant designed to be clean, intuitive, and easy to use. No complicated spreadsheets, no complex workflows. SpendBee focuses on fast expense logging, clear financial tracking, and better money decisions. KEY FEATURES Easy expense and income tracking Record daily expenses and income in seconds. Suitable for both beginners and experienced users who want a simple and reliable money manager. Voice input for expenses Just speak naturally and SpendBee will automatically record your expense or income accurately. Perfect when your hands are busy or you are on the move. Flexible wallet management Create and manage multiple wallets such as cash, bank accounts, savings wallets, or personal funds. Easily track balances and money flow across wallets. Debt management (Borrow & Lend tracking) Easily track debts, loans, and repayments. Know exactly how much you owe or are owed, view outstanding balances, and stay on top of due payments with clarity and confidence. Recurring transaction management Automatically manage recurring expenses and income such as rent, subscriptions, salaries, or bills. Never forget a regular payment and keep your financial records accurate over time. Clear charts and insights View daily and monthly expense statistics with clean and easy-to-understand charts. Identify spending habits, track debts, and adjust your financial plan with confidence. Dark mode interface A modern dark mode that is comfortable for night use and low-light environments. Privacy-first and secure All financial data is stored locally on your device. SpendBee does not collect, share, or store your data on any server. WHO IS SPENDBEE FOR? SpendBee is ideal for: - People who want to track daily expenses - Anyone managing personal finance, debts, or recurring bills - Beginners starting expense tracking - Users who want better control of money and savings TAKE CONTROL OF YOUR FINANCES SpendBee helps you build healthy financial habits, reduce unnecessary spending, manage debts responsibly, and understand your financial situation clearly. Start managing your money in a simple and stress-free way with SpendBee today. PRIVACY POLICY https://spendbee.trieuvo.com/privacy-policy TERMS OF USE (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/