Updated October 14, 2026 · VaultCue Editorial Team
Cake by VPBank vs Chase UK
Cake by VPBank
Chase UK
Higher score in this comparison
Where Cake by VPBank and Chase UK differ
| Compare | Cake by VPBankReviewSee alternativesSee alternatives | Chase UKReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 4.75% to 7.4%Higher | 2.25% |
| Rate type | Fixed | Variable |
| Minimum deposit | ₫100,000 | £0 |
| Access terms | 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 | Easy access; on-demand withdrawals, no notice period, up to 10 saver accounts, GBP 25,000 max daily external transfer; Chase current account required |
| Account kind | Fixed | Easy access |
| Term | 1 to 36 months | Not confirmed |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Monthly fee | Not confirmed | £0 |
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Key differences
- Chase UK scores higher overall: 9.6 vs 8.4.
- Headline rate is higher at Cake by VPBank: 4.75% to 7.4% vs 2.25%.
- Support channels: only Chase UK offers Chat.
- Pricing model: only Cake by VPBank offers Fixed rate.
- Pricing model: only Chase UK offers No monthly fee, Low FX.
Our verdict on each
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.
Chase UK
Chase UK suits people who want a current account and savings in one app, with a monthly fee of £0 and a currency conversion fee of 0%. The saver pays 2.25% at a variable rate with easy access, and a Chase current account is required to hold it.
Score breakdown
| Area | Cake by VPBank | Chase UK |
|---|---|---|
| Cost | Not confirmed | 9.4Monthly fee of £0 and currency conversion fee of 0% rank first of 500 and 312 brands. |
| Offer | 9.0 | 9.8Higher |
| Trust | 8.0 | Not confirmed |
Availability and regulation
| Country | Cake by VPBank | Chase UK |
|---|---|---|
| Vietnam | Not confirmed |
Additional countries for Cake by VPBank: 1. Additional countries for Chase UK: 1.
Where they rank in our lists
| Ranking | Cake by VPBank | Chase UK |
|---|---|---|
| Savings accounts | 586 of 1420 | 50 of 1420 |
| Online banks | 205 of 402 | 15 of 402 |
Also worth a look
Amonatbonk has headline rate at 13%, against 4.75% to 7.4% for Cake by VPBank and 2.25% for Chase UK.
Amonatbonk reviewSources behind this comparison
Cake by VPBank
- cake.vn: 11 facts, checked September 26, 2026
Chase UK
- chase.co.uk: 9 facts, checked September 26, 2026
- top8neobanks.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Cake by VPBank | Chase UK |
|---|---|---|
| Pricing model | Fixed rate | No monthly fee, Low FX |
| Legal entity | VPBank Joint Stock Commercial Bank (Ngân hàng TMCP Việt Nam Thịnh Vượng) | J.P. Morgan Europe Limited |
| Headquarters | Vietnam | United Kingdom |
| Founded | 2021 | Not confirmed |
| Support channels | Phone, Email, Help centre | Chat, Phone, Email, Help centreCovers more |
Money transfer
| Fact | Cake by VPBank | Chase UK |
|---|---|---|
| Transfer fee | 2-10 USD per transaction, plus 11,000 VND per month service fee (fees include 10% VAT) | Not confirmed |
| Delivery time | 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) | Not confirmed |
| Payout methods | Bank | Not confirmed |
| Currencies | 10 | Not confirmed |
| Fee to send 1,000 | $2 to $10 | Not confirmed |
Everyday accounts
| Fact | Cake by VPBank | Chase UK |
|---|---|---|
| Currency conversion fee | Not confirmed | 0% |
| Features | Digital only | Digital only, No credit checkCovers more |
Where each stands against the rest
| Fact | Cake by VPBank | Chase UK | Median |
|---|---|---|---|
| Headline rate | 4.75% to 7.4%highest quarter | 2.25%below the median | 3.25 |
| Term | 1 to 36 monthsabove the median | Not confirmed | 24 |
| Monthly fee | Not confirmed | £0at the median | £0 |
Median across 658 listed accounts.
Pros and cons
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.
Chase UK
Pros
- No monthly fee on the current account, at £0
- Currency conversion fee of 0%, first of 312 brands
- Savings pays 2.25% at a variable rate, variable, with easy access and no notice period
Cons
- The savings account needs a Chase current account, so it cannot stand alone
- The saver rate is variable, so it moves with the Bank Rate and is not locked in
- Support runs through chat, phone and email only, and the service is digital-only
Who each suits
Cake by VPBank
Who it suits
- Customers in Vietnam reviewing standard term-deposit options in Cake’s VPBank digital ecosystem.
Chase UK
Who it suits
- People in the UK who want one app for current account and savings
- Savers who want easy access rather than a fixed term
- Anyone who spends in other currencies and wants a low conversion fee
Who should look elsewhere
- Anyone wanting a standalone savings account, since a Chase current account is required
- Savers who want a fixed rate, since the rate is variable
- People who prefer in-person service, since the service is digital-only
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 | Cake by VPBank | Chase UK |
|---|---|---|
| United Kingdom | No | Yes |
| Vietnam | Yes | No |
Questions about each
Chase UK
What does Chase UK cost to run?+
The current account carries a monthly fee of £0, so day to day banking costs nothing in fees. The currency conversion fee is 0%, ranking first of 312 brands. There is no separate charge listed for the savings account either.
How is my money protected?+
Deposits sit under the FSCS up to GBP 85,000. The account is provided by J.P. Morgan Europe Limited, which is headquartered in the United Kingdom. The same legal entity backs both the current account and the saver, so that protection figure applies across the relationship.
What interest does the Chase saver pay?+
The saver pays a headline rate of 2.25%, and the rate type is variable, so the figure can move. The account kind is easy access, meaning money stays available rather than being locked away. The minimum deposit is £0, so you can start small.
Do I need a current account to use the saver?+
Yes, the saver requires a Chase current account. The current account itself is digital-only, so there is no branch to visit when you sign up. Once both are open, they sit in the same app and you can move money between them.
Other options to compare
Other matchups
Related by the facts
Cake by VPBank
Chase UK