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Cake by VPBank vs TPBank Mobile: mobile account opening and management?

By Official AppDuo editorial team · Updated

Cake by VPBank logoCake by VPBank7.4/10Free · FreeTPBank Mobile logoTPBank Mobile7.1/10Free · Free

Quick verdict

Cake by VPBank vs TPBank Mobile: mobile account opening and management.

Cake by VPBank: People who want to open an account via eKYC and bank fully on their phone.

TPBank Mobile: People who want eKYC account opening and fee-free transfers.

Choose for your main task, existing devices and plan limits; the overall score cannot replace your requirements.

Head-to-head

Cake by VPBank leads on 4, TPBank Mobile on 2, 3 even

FeatureCake by VPBankTPBank Mobile
Basic transaction fees[1],[2],[10]cake.vn homepage lists account opening, deposits, withdrawals, transfers and SMS Banking as free.App Store and Google Play descriptions state transfers within and outside TPBank are free; registration and use are free.
→ Both are free for everyday operations, so transfer fees should not decide your choice.
Interface languages[10]Vietnamese only.Vietnamese, English, Japanese, Korean and Chinese (per the App Store).
→ Foreign residents or anyone who wants an English interface should choose TPBank Mobile.
Google Play rating[5],[11]4.7/5 from about 69,500 reviews.3.4/5 from about 69,100 reviews.
→ Android users should note Cake rates clearly higher on a nearly identical number of reviews.
App Store rating[4],[10]4.6/5 from 67,783 ratings.4.4/5 from 57,203 ratings.
→ On iPhone the gap is smaller, but Cake still edges ahead on more ratings.
Reported stability issues[5],[11]A review (January 2025) reports an incorrect savings balance display and an unanswered support email after 7 days.A review (October 2026) reports the app crashing right after the transfer amount is entered.
→ TPBank's crash report is more recent and hits the most common task, making a transfer.
Privacy declarations[4],[5],[11]Google Play says no collection or sharing; the App Store label declares many data types possibly used for tracking. The two conflict.Google Play declares 7 data types collected, including financial info, with 4 types possibly shared with third parties.
→ Cake is inconsistent while TPBank admits sharing, so privacy-minded users should read both full policies.
Savings and loans[5],[11]Term deposits from VND 100,000; cash loans VND 5–60 million at 28.7%–36% a year flat; Cake 2in1 card limit up to VND 100 million.Offers savings and fund investing; no official limit table found.
→ Those who want clear minimum deposits and loan terms get more concrete figures from Cake, though loan rates are high.
Payment extras and integrations[5],[7],[11]DNSE stock investing link and an entry in the Be app; international receipts via Cake GlobalX.Voice Pay, ChatPay, the T'AioX AI assistant, VietQR Global in five countries.
→ Be users and DNSE investors fit Cake, while fans of voice transfers or cross-border QR fit TPBank.
Support channels[1],[9],[11]Hotline 1900 636 686, [email protected] email and in-app chat; no branches.Call centre, email, in-app Contact section and the T'AioX AI assistant.
→ Cake offers remote support only, so anyone who needs face-to-face help is better served by TPBank.

Choose Cake by VPBank if…

  • People who want to open an account via eKYC and bank fully on their phone
  • Savers who want online term deposits from a small amount (from VND 100,000)
  • Be app users, where Cake has an entry in the menu

Choose TPBank Mobile if…

  • People who want eKYC account opening and fee-free transfers
  • Users who like newer features such as Voice Pay, ChatPay or the T'AioX AI assistant
  • iPhone users, since the app is rated higher on the App Store

How the products differ

Cake by VPBank: Cake suits people who want to open an account on their phone, with no branch visit, and manage savings, cards and loans in one app. The trade-offs: support runs only through the hotline, email and chat, some reviews complain of slow replies, and its App Store and Google Play privacy declarations do not match.

TPBank Mobile: TPBank Mobile suits people who want a banking app with fee-free transfers, eKYC account opening and extras such as voice-based transfers. The trade-off is a Google Play rating of just 3.4/5, well below the App Store's 4.4/5, and a recent review reporting frequent crashes during transfers.

Choose around your use case

Cake by VPBank: Fits People who want to open an account via eKYC and bank fully on their phone; Savers who want online term deposits from a small amount (from VND 100,000). Strengths: Account opening, deposits, withdrawals, transfers and SMS Banking are free per the cake.vn homepage; High ratings: 4.6/5 on the App Store (67,000+ ratings) and 4.7/5 on Google Play (69,000+ reviews).

TPBank Mobile: Fits People who want eKYC account opening and fee-free transfers; Users who like newer features such as Voice Pay, ChatPay or the T'AioX AI assistant. Strengths: The official listing states transfers inside and outside the system carry no fee, with free registration and use; Offers Voice Pay, voice search for features and AI-suggested transfer messages.

Costs and limits to check

Cake by VPBank: Free according to the researched profile; no paid plan is recorded. Trade-off: Cash loans carry 28.7% to 36% a year per the Google Play description, far above savings rates.

TPBank Mobile: Free according to the researched profile; no paid plan is recorded. Trade-off: Only 3.4/5 on Google Play (about 69,100 reviews), well below the App Store. Prices retain the currency and billing units recorded in the source profiles; no currency conversion or plan equivalence is assumed. Check official prices, limits and terms before payment.

When to consider another option

Cake by VPBank is not aimed at: People who need branches, tellers or a full business-banking offer; Anyone prioritising data privacy who wants one consistent declaration.

Consider alternatives to TPBank Mobile if you are: Android users who need a stable app rated well on both platforms; People who want a simple app without many promotions and extras. Read these limitations alongside the feature table before deciding; a single strength cannot compensate for a missing requirement.

Frequently asked questions

Should I choose Cake by VPBank or TPBank Mobile?

Cake by VPBank vs TPBank Mobile: mobile account opening and management. Cake by VPBank: People who want to open an account via eKYC and bank fully on their phone. TPBank Mobile: People who want eKYC account opening and fee-free transfers. Choose for your main task, existing devices and plan limits; the overall score cannot replace your requirements.

Does a higher score always mean a better fit?

No. Overall scores are editorial judgements across several criteria. Your task, allowance and existing ecosystem may matter more; the table separates those differences so you can decide.

Where do prices and limits come from?

From each product’s researched profile, with source links and check dates in the review. This comparison reuses that evidence; its compilation date does not mean every price was rechecked that day.

Sources

Numbers in the table refer to these sources, read on the dates shown.

  1. 1.Cake official website (cake.vn) · Vendor-provided · Nov 10, 2026
  2. 2.VPBank press release: launch of Cake (12/1/2021) · Vendor-provided · Nov 10, 2026
  3. 3.VPBank news: Cake reaches 1 million users (25/12/2021) · Vendor-provided · Nov 10, 2026
  4. 4.App Store listing (Vietnam) · store · Nov 10, 2026
  5. 5.Google Play listing · store · Nov 10, 2026
  6. 6.Thị trường Tài chính Tiền tệ: Euromoney award (11/9/2026) · press · Nov 10, 2026
  7. 7.The Leader: Cake redefines digital banking (6/8/2026) · press · Nov 10, 2026
  8. 8.TPBank website (personal banking home) · Vendor-provided · Nov 10, 2026
  9. 9.TPBank website footer: customer service hotline · Vendor-provided · Nov 10, 2026
  10. 10.App Store listing (Vietnam) · store · Nov 10, 2026
  11. 11.Google Play listing · store · Nov 10, 2026
  12. 12.VnEconomy (9/10/2025): TPBank at Vietnam Digital Awards 2025 · press · Nov 10, 2026
  13. 13.VnEconomy (6/12/2017): TPBank Best Digital Banking Award 2017 · press · Nov 10, 2026
  14. 14.VietnamPlus (13/5/2019): TPBank digital banking services · press · Nov 10, 2026

Prepared by the AppDuo Editorial Team from the sources cited in this article. AI assists with organising and cross-checking data; editorial responsibility remains with AppDuo.

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