# CAKE vs SpendBee

The clearest difference is in-app purchases: CAKE at none against SpendBee's 2. CAKE also leads on iOS requirement (13.0 vs 15.1). SpendBee's advantage is update cadence (every 2 days vs weekly). On price, ads and device support there is nothing between them.

Both are free to download. SpendBee sells 2 in-app purchases, starting at $1.99 per month. CAKE asks for nothing beyond the download.

CAKE ships an update weekly, SpendBee every 2 days. The most recent releases landed on September 24, 2026 and September 11, 2026 respectively.

## The numbers

| Metric | CAKE | SpendBee |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (574 ratings)](https://appshunter.io/ios/app/cake-digital-banking/id1551907051/reviews)** | — |
| Number of ratings | **574** | — |
| Positive reviews | 21.4% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Weekly | **Every 2 days** |
| Monetization | Free | — |
| Size | 361 MB | 51 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK](https://appshunter.io/developer/680504034) | [Trieu Vo Minh](https://appshunter.io/developer/1681361773) |

## 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


### SpendBee

[App page](https://appshunter.io/ios/app/spendbee-expense-tracker/id6755102613)

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $1.99 | per month |
| Premium Annual | $17.99 | per year |


## Frequently asked questions

### Is CAKE free?

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

### Is SpendBee free?

SpendBee is free to download, with in-app purchases available.

### Do CAKE or SpendBee have ads?

Neither CAKE nor SpendBee shows ads.

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

CAKE ships an update weekly, and SpendBee every 2 days. Most recently, CAKE was updated on September 24, 2026 and SpendBee on September 11, 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.*