Banh to has a flat, round shape made from glutinous rice flour and sugar, then steamed. Typically, it is white and yellow with red letters printed on top. These cakes are priced at about VND25,000 - VND100,000 ($1 to $4) each, depending on their size.
To the Hoa people, banh to is also referred to as sticky cake, symbolizing family unity when shared. Moreover, when referred to in Sino-Vietnamese as nien cao, the cake embodies a hope for a more prosperous new year. Therefore, this dish holds significant importance in Lunar New Year offerings for the Hoa community.