# VCB Digibank vs CAKE

The clearest difference is rating: CAKE at 4.5 against VCB Digibank's 3.3. On price, review sentiment, ratings volume and update cadence there is nothing between them.

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

CAKE holds the better App Store score, 4.5 against 3.3. Both are backed by a comparable volume of ratings — 929 and 597 respectively. Written reviews complicate that: 27% of VCB Digibank's written reviews are positive against 21% of CAKE's, so the app with the better star average is not the one people write more warmly about.

VCB Digibank ships an update every 2 weeks, CAKE weekly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | VCB Digibank | CAKE |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (929 ratings)](https://appshunter.io/ios/app/vcb-digibank/id561433133/reviews) | **[4.5 (597 ratings)](https://appshunter.io/ios/app/cake-digital-banking/id1551907051/reviews)** |
| Number of ratings | **929** | 597 |
| Positive reviews | **26.7% of reviews** | 21.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free | Free |
| Size | 874 MB | 364 MB |
| Requires iOS | 14.0 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Vietcombank JSC](https://appshunter.io/developer/944568123) | [VIETNAM PROSPERITY JOINT STOCK COMMERCIAL BANK](https://appshunter.io/developer/680504034) |

## What reviewers say

### VCB Digibank

[App page](https://appshunter.io/ios/app/vcb-digibank/id561433133)

This digital banking app allows millions of users to manage their finances with ease. It offers fee-free transactions, personalized interfaces, and a wide range of financial services including payments, savings, and investments.

**Highlights:** Online registration, Fee-free transactions, Account number matching phone number, Personal finance management, QR code transfers and withdrawals, Bill payments and mobile top-ups

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast money transfer
- 👍 Useful and cutting edge app
- 🔒 Secure app
- 👍 Intuitive and user-friendly interface
- 👍 Comprehensive banking and financial services

**What reviewers complain about**

- 🐛 Frequent crashes and errors
- 🐛 Unstable and unreliable
- 🐛 Forced updates and poor change management
- 🐛 Difficult to use and navigate
- 🐛 Lack of English support

**Reported bugs**

- Login screen freezes
- Incompatible with older devices
- Frequent service disruptions
- Issues with Face ID and biometric authentication
- Inability to copy and paste information

**Requested features**

- Add option to disable frequent updates
- Improve accessibility and support for screen readers
- Provide better English language support
- Allow internal bank transfers between Vietcombank accounts
- Enhance security without compromising user experience


### 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


## Frequently asked questions

### Is VCB Digibank free?

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

### Is CAKE free?

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

### Which has better reviews, VCB Digibank or CAKE?

CAKE is rated higher. VCB Digibank averages 3.3 out of 5 from 929 ratings, while CAKE averages 4.5 from 597 ratings.

### Do VCB Digibank or CAKE have ads?

Neither VCB Digibank nor CAKE shows ads.

### Which is updated more often, VCB Digibank or CAKE?

VCB Digibank ships an update every 2 weeks, and CAKE weekly. Most recently, VCB Digibank was updated on October 24, 2026 and CAKE on October 25, 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.*