Updated October 21, 2026 · VaultCue Editorial Team
BoursoBank vs Cake by VPBank
BoursoBank
Higher score in this comparison
Cake by VPBank
BoursoBank vs Cake by VPBank: the differences
| Compare | BoursoBankReviewSee alternativesSee alternatives | Cake by VPBankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Currencies | Not confirmed | 10 |
| Transfer fee | Not confirmed | 2-10 USD per transaction, plus 11,000 VND per month service fee (fees include 10% VAT) |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- BoursoBank scores higher overall: 9.4 vs 8.4.
- Founded is lower at BoursoBank: 1998 vs 2021.
- Support channels: only BoursoBank offers Chat.
- Pricing model: only BoursoBank offers No monthly fee, Low FX.
- Pricing model: only Cake by VPBank offers Fixed rate.
Our verdict on each
BoursoBank
BoursoBank suits anyone who wants a French bank with no monthly fee and free currency exchange abroad. Deposits sit under EU deposit guarantee, and the savings side pays a variable rate on an easy-access account. It is a good fit for travellers and for savers who want access at any time.
Cake by VPBank
Cake’s standard term deposit in Vietnam has a stated minimum of VND 100,000 and terms from 1 to 36 months. Interest can be paid at the beginning or end of the term, monthly or quarterly. The page describes partial or full early withdrawal subject to terms and confirms the deposit through Smart OTP.
Score breakdown
| Area | BoursoBank | Cake by VPBank |
|---|---|---|
| Cost | 9.4Monthly fee of €0 and a conversion fee of 0%, plus a 1.5% to 2.5% variable rate on savings. | Not confirmed |
| Offer | 9.8Higher | 9.0 |
| Trust | 9.1Higher | 8.0 |
How they place
| Ranking | BoursoBank | Cake by VPBank |
|---|---|---|
| Savings accounts | 85 of 1420 | 586 of 1420 |
| Online banks | 18 of 402 | 205 of 402 |
Every fact side by side
| Fact | BoursoBank | Cake by VPBank |
|---|---|---|
| Audience | Travelers | Not confirmed |
| Pricing model | No monthly fee, Low FX | Fixed rate |
| Features | Digital only | Digital only |
| Legal entity | Boursorama SA | VPBank Joint Stock Commercial Bank (Ngân hàng TMCP Việt Nam Thịnh Vượng) |
| Headquarters | France | Vietnam |
| Founded | 1998Lower | 2021 |
| Support channels | Email, Phone, Chat, Help centreCovers more | Phone, Email, Help centre |
Savings
| Fact | BoursoBank | Cake by VPBank |
|---|---|---|
| Headline rate | 1.5% to 2.5% | 4.75% to 7.4%Higher |
| Rate type | Variable | Fixed |
| Term | Not confirmed | 1 to 36 months |
| Minimum deposit | €10 | ₫100,000 |
| Access terms | Deposits and withdrawals free at any time, minimum balance EUR 10, up to 4 booklets, requires a BoursoBank current account | Terms from 1 to 36 months; interest paid at beginning of term, end of term, monthly or quarterly; early partial or full withdrawal allowed, minimum partial withdrawal 100,000 VND (or 10% of the deposit) capped at 90% of the book, minimum remaining balance 100,000 VND; deposits covered by Vietnamese deposit insurance |
| Account kind | Easy access | Fixed |
Money transfer
| Fact | BoursoBank | Cake by VPBank |
|---|---|---|
| Delivery time | Not confirmed | Same day (VND credited the same day if funds arrive before the currency cut-off during processing hours, next business day if after cut-off) |
| Payout methods | Not confirmed | Bank |
| Fee to send 1,000 | Not confirmed | $2 to $10 |
Where each stands against the rest
| Fact | BoursoBank | Cake by VPBank | Median |
|---|---|---|---|
| Monthly fee | €0at the median | Not confirmed | €0 |
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | Not confirmed | 10above the median | 5 |
Median across 536 listed accounts.
Pros and cons
BoursoBank
Pros
- Monthly fee of €0, in line with the site median of €0
- Currency conversion fee of 0%, against a site median of 0.5%
- Savings pays a variable rate of 1.5% to 2.5% with a minimum deposit of €10
Cons
- The savings account requires a BoursoBank current account
- The savings rate is variable, so it can move with the bank's rate decisions
- The account is digital-only, which suits people who bank mainly on screen
Cake by VPBank
Pros
- The listed deposit minimum is VND 100,000, with terms from 1 to 36 months.
- Interest-payment choices include the start or end of term, monthly or quarterly.
Cons
- Early partial or full withdrawal is subject to account terms; the page does not establish interest treatment after withdrawal.
Who each suits
BoursoBank
Who it suits
- Travellers who spend and withdraw money abroad often
- Savers who want a variable rate and access to their money at any time
- Customers happy to run a current account to unlock the savings side
Who should look elsewhere
- Bit2Me, if you want a different kind of service, since its conversion fee is 0.95%
- bunq, if you prefer a set monthly plan, since its conversion fee is 3%
- Varo Visa Debit Card, if you would rather hold a card-led account with a monthly fee of $0
Cake by VPBank
Who it suits
- Customers in Vietnam reviewing standard term-deposit options in Cake’s VPBank digital ecosystem.
Current offers
Cake by VPBank
Current offer
Bonus
Sep & Oct 2026 - New savers get +2.2%/year extra interest: +2.2%/year on first-time term deposits from 100,000 VND, terms 6-12 months, total up to 9.6%/year
First-time savings deposit at Cake, terms 6-13 months, promo terms apply
Source, checked September 26, 2026
Bonus
Sep & Oct 2026 - Loyal savers get up to +2.2%/year extra interest: up to +2.2%/year bonus, up to 9.6%/year total
Existing loyal savers, terms 6-13 months, promo terms apply
Source, checked September 26, 2026
Discount code
Save from 100 million VND and get BIGBANG show tickets: code BB20
Deposits from 100,000,000 VND with terms from 6 months
Source, checked September 26, 2026
Country by country
| Country | BoursoBank | Cake by VPBank |
|---|---|---|
| France | Yes | No |
| Vietnam | No | Yes |
Questions about each
BoursoBank
What does BoursoBank charge each month?+
The monthly fee is €0, and the site median for monthly fees is €0. BoursoBank ranks at position 1 of 500 brands on this measure. The bank is run on a no monthly fee model.
What does it cost to spend money abroad?+
The currency conversion fee is 0%, against a site median of 0.5% and an upper quartile of 2.08%. BoursoBank places at position 1 of 312 brands. Travellers are one of the groups it aims at.
Is my money protected?+
Deposits are covered under EU DGS up to EUR 100,000. The legal entity is Boursorama SA, based in France. The bank was founded in 1998.
What interest does the savings account pay?+
The headline rate is 1.5% to 2.5% and the rate type is variable, so the figure can change. For context, the site median headline rate is 3%. The account is easy-access, with a minimum deposit of €10.
Other options to compare
Other matchups
Related by the facts
BoursoBank
Cake by VPBank