Cake by VPBank review
Updated October 13, 2026 · HodlCue Editorial Team
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Our verdict
For people wanting fully app based everyday banking, Cake by VPBank serves more than 7.6 million customers after close to six years of operation. Cake by VPBank is a digital bank built around technology for customers comfortable managing cards, savings and loans inside one mobile app.
Key facts
- Best for
- App based everyday banking in one place
- Card type
- Debit↗
- Headquarters
- Vietnam↗
- Official website
- cake.vn
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Technology led digital bank serving more than 7.6 million customers.
- Offers personalised card design under its 2in1 card concept.
- Provides in app account statements and balance confirmation requests.
- Includes alerts that flag suspicious transfers before money moves.
Cons
- Operates as a digital only service for customers comfortable using a mobile app.
- Focuses on everyday accounts, cards, savings and loans rather than specialist banking.
- Personal card design choices depend on the options offered inside the app.
Who it suits
- People comfortable managing everyday banking by app
- Customers wanting cards, savings and loans together
- People valuing fraud warnings and digital records
Who should look elsewhere
- People seeking in person branch banking
- People wanting specialist banking beyond everyday needs
How Cake by VPBank compares
Where Cake by VPBank is available
- Available
- Vietnam
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is Cake by VPBank?+
Cake by VPBank is a digital bank that places technology at the centre of everyday banking. It provides varied digital services and utilities for daily touchpoints. It aims to make routine banking easy, fast and convenient.
Which products does Cake cover?+
Cake covers current accounts with debit cards, savings products, loans and short term advances. It also provides account statements and balance confirmation requests inside the app. The range centres on everyday spending, saving and borrowing needs.
How do its cards work?+
Cake offers cards under a 2in1 concept that allows personal design choices. The cards link to the digital account for everyday spending. Customers manage the card experience through the mobile banking app.
How does Cake address suspicious transfers?+
Cake provides an alert feature that flags transfers showing signs of fraud risk. The warning appears before the transfer is completed. It helps customers recognise possible scams and review risky payments.
Where is Cake by VPBank based?+
Cake by VPBank is based in Vietnam. (Source, checked September 26, 2026)
Sources
- cake.vn checked September 26, 2026
Backs: Headquarters
“Ngan hang so Cake by VPBank”
- cake.vn/dieu-kien-dieu-khoan/dieu-kien-giao-dich-chung-ve... checked September 26, 2026
Backs: Card type
“Phat hanh & su dung The ghi no - debit card issuance and use (Tai khoan thanh toan)”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.