My Vault Card User Reviews

Customer Experience

Positive experience27.3% of reviews
Neutral3.9% of reviews
Negative experience68.8% of reviews

~ Based on 77 written reviews from the US App Store.

What users say

Is My Vault Card Safe?

My Vault Card appears safe based on user ratings. AppsHunter Safety Score for My Vault Card is 94/100.

This assessment is based on 5,704 user ratings, with an App Store average of 4.7/5.

Safety Analysis

93.4% of ratings point to a safe experience
2.1% of ratings suggest some concerns
4.5% of ratings point to a risky experience

~ Based on 5,704 App Store ratings for My Vault Card.

Is My Vault Card Legit?

My Vault Card appears to be a legitimate app. AppsHunter Legitimacy Score for My Vault Card is 93/100.

Based on 93 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Absolutely abysmal

My account was locked. I spent 20 minutes having to explain over and over that I needed the account to be unblocked. They asked me the same questions over and over. They put me on hold like seventeen times. They asked me if I had access to my virtual card, which I explained I didn’t because my account had been blocked and I hadn’t added that to my wallet yet. She then asked me if I had attempted to add it to my wallet recently. Like 0listening comprehension.
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Response from developer

Hello. We're disappointed to hear that the service you received was anything less than great, as it's not the experience that we want our members to have. We value your feedback and want the opportunity to help address your concerns by reconnecting with a Vault customer service team member. You can reach them toll-free at 1-888-333-4698. They’re available 24 hours a day, seven days a week.

App

This app never opens

Confusing financial app

The available amount is the only one that actually matter however they add a sub category that’s completely irrelevant im pretty sure they’re only in business due to partnerships with companies if that is the reason that brought you here I recommend transferring your direct deposit to an actual bank as soon as possible
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Response from developer

Hello. We have provided your feedback to the Vault team. If you need immediate assistance, please contact the Vault customer service team toll-free at 888-333-4698. They’re available 24 hours a day, seven days a week.

Fraud

I was robbed and I called to make a dispute and they weren’t helpful. I want my money back.

$$$

Card friendly services

Vault card malfunction

The card never works it is to cheap made is what vendors say and you stand there trying over and over to use it to make purchases and it takes forever needs addressed asap

Terrible card company

I DO NOT RECOMMEND ANYONE TO GET THIS CARD. I got it through my job and its always an issue either with showing your current balance and showing all transactions as they are made. Available balance & Current balance never adds up. Now my money is mysteriously $0 for available balance when that is inaccurate.
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Response from developer

Hello. We'd certainly like to look further into this issue. Please contact the Vault customer service team toll-free at 888-333-4698. They’re available 24 hours a day, seven days a week.

Trash

Everyday pay is nothing but a big scam

No fuss

I thought it was going to be lots of headaches and worries about my money being stolen but I’ve been pleasantly surprised I’m still new to it but I like it I treat it like my real bank lol

Response from developer

It's wonderful to know the app is useful to you, Christopher! Your positive review is appreciated.

Card Closed. RANDOMLY TOLD NO MONEY IN ACT. Vault is obviously stealing money from customers

Card randomly got closed. First call in. Stated it was escalated. Second call in. I was told my $400 in my account disappeared. I know the money was there prior it being closed. Now the person on the line is stating I need to dispute or call 911. NEVER TRUST THESE PEOPLE WITH YOUR MONEY. I asked what the transactions are and they said they cannot see it. I will be filing a complaint with appropriate authorities concerning this financial inst.
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Response from developer

Hi, there. We are disappointed to hear that the service you received was anything less than great, as it's not the experience that we want our members to have.  We encourage you to continue to work with Vault customer service as they will be able to provide you with the best assistance to address your concerns. You can connect with them toll-free at 888-333-4698. They’re available 24 hours a day, seven days a week.

I hate it here.

Terrible customer service & i cant even access my check on the app. The code wont send to my phone i tried to turn my phone on & off and it still hasn't been sent. Then they keep saying use the email option to receive a code and yet theres no option for the email so now i have to wait 3-5 BUSINESS days meanwhile im getting transferred to 10 different people who can't help me but to just tell me i have to wait ... this is such an inconvenience.
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Disputed fraud charges DENIED!

At all times for your car to get hacked, mine was hacked on Christmas with around $600ish charges from Uber eats from which I have never ever used!!! I have disputed these fraud charges twice now and they have not sent me proof of their findings of why denying the dispute like no picture of the Uber eats being delivered where it was delivered to IP address nothing! it is now January 27, 2026 and I still yet have not received any proof of a thorough investigation on all these charges that I did not make on my payroll VAULT Card! I have made a report to the CFPB!
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Response from developer

Hello. We value every user’s experience and understand your frustration. We encourage you to continue working with Vault customer service, as they are best equipped to address and resolve concerns regarding your Vault card, since Paycom does not handle dispute issues. You can reach them toll-free at 888-333-4698, available 24/7 or email Bancorp-ubiquitydisputes@ubiquity.com, which is listed in your cardholder agreement. Thank you.

Card randomly got closed

Card randomly got closed. Attempted to call them and I have been sitting on the phone in silence waiting for someone or something. No details or anything. I will make sure to always tell people to never trust them with your money as their customer service is horrendous.

Response from developer

Hello. Every user’s experience is important to us. We understand you're frustrated; however, we encourage you to continue to work with Vault customer service as they will be able to provide you with the most knowledgeable assistance to resolve your concerns.

It’s a Scam

This application absolutely sucks. They say early pay but you’ll still be waiting for your check even after it’s been processed by employer. The customer service is even worse feels like your talking to a scammer. They gave no help at all. Only tried this application due to Paycom Payroll. Overall it’s a terrible application. PayPal better.
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Money just disappears for 10 days

Called vault and they say my money just mysteriously vanished. Takes 10 days for a ghost pending charge to clear. WOW. Watch out for ghost pending charges. Can’t make this up. Coming to you very soon. Delete this app asap.

WORST !! DO NOT TRUST

This is the worst bank you could EVER put your money in. They have horrible procedures, the WORST customer service. They literally lock your money up and then tell you, we can’t help you. Their customer service agents repeat the same sentences that do not even pertain to your problem. I really regret ever using them. Will be switching back to BOA, who would never ever treat their customers like this.
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Response from developer

Hi, there. Every user’s experience is important to us. We understand you're frustrated; however, we encourage you to work directly with Vault customer service to resolve your issues. You can connect with them toll-free at 888-333-4698. They’re available 24 hours a day, seven days a week.

Greenskys Payment $162.00

The payment need to be released on the 6th of November, 2025 on time…

Director of engineering, Marriott hotels

The card is pretty good but the fact that you can’t transfer more than $1000 in a day makes it useless to me. I will be canceling it the first chance I get.

Horrible

PLEASE if your job offer this card to you do not use it this bank is a job and there customer service team is horrible and don’t communicate and have you waiting 3-5 days for letters and statements you won’t never get!!! DONT DO IT!!!!!

Limited Access

Not good explaining financial mishaps or transactions.