Apple Wallet vs SecondFi
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Apple Wallet
Securely store and manage digital versions of your credit/debit cards, IDs, transit passes, tickets, and keys. Use it to make payments, send money, and access venues and transportation with your iPhone or Apple Watch.
- Store credit/debit cards
- Digital driver's license/state ID
- Transit and event tickets
- Digital keys for car, home, hotel
- Secure contactless payments
- Send and receive money
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The Wallet app lives right on your iPhone. It’s where you securely keep your credit and debit cards, eligible driver’s license or state ID, transit cards, keys, event tickets, and more — all in one place. And it all works with iPhone or Apple Watch, so you can take less with you but always bring more. Apple Pay Apple Pay is an easy, secure way to pay in stores or online.1 Pay for a ride, a pizza, or even a new sofa — with Touch ID or Face ID. Apple Card Apple Card is the credit card created by Apple. You earn up to 3% unlimited Daily Cash back on every purchase every day, and it’s designed with all the privacy and security you’d expect from Apple. You can apply in as little as minute with no impact to your credit score.2 Apple Cash Apple Cash is an easy and secure way to send and receive money in Messages or Wallet.3 And because it’s a digital card that lives in Wallet, you can use it to make purchases in stores, online, or in apps with Apple Pay. With Tap to Cash, you can send and receive Apple Cash simply by holding your iPhone near someone else’s iPhone — without having to share phone numbers. Driver’s License and State ID Add your eligible driver’s license or state ID to Wallet, and with just a tap of your iPhone or Apple Watch you can present your ID without handing over your device.4 The security of Face ID and Touch ID means only you can present your ID. Boarding Passes After you add your airline passes to Wallet, just show up at your gate and easily present your pass directly from your lock screen. And receive timely flight information and notifications along the way.5 Transit Set your card to Express Mode, then just tap and hop on to ride the next train or bus.5 Breeze through the turnstiles by holding your iPhone or Apple Watch to the reader. Sports & Live Events With Wallet, your tickets are always at the ready. Enter a concert venue, sports stadium or festival with just your iPhone or Apple Watch.5 Tickets in Apple Wallet now bring fans a richer experience including venue maps, recommended Apple Music playlists, and more. Keys Store keys to your car, home, workplace, and hotel room in Wallet.5 Unlock doors with just a tap of your iPhone or Apple Watch, and securely share keys in Wallet through messaging apps, including Messages, Mail, and more. Loyalty and Rewards Add your favorite coffee shop, drugstore, or retail rewards cards to Wallet, and next time you’re at checkout, just tap and pay to receive and redeem rewards.5 1 Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer. 2 Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score. To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch. 3 Apple Cash services are provided by Green Dot Bank. Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. To learn more about the Terms and Conditions visit https://applecash.greendot.com/termsconditions. Only available in the U.S. on eligible devices. 4 ID cards in Wallet are currently available for use in select states at select TSA checkpoints. ID verifier is available at select merchants. Requires eligible device and OS version. See apple.com/wallet for details. 5 Only available with select partners and locations, and requires eligible device and OS version. See apple.com/wallet for details.
SecondFi
Manage your Cardano ADA securely and efficiently on your mobile device. This lightweight wallet offers fast transaction capabilities and stores your private keys locally for enhanced privacy. Supports multiple languages for a global user base.
- Secure ADA management
- Lightweight and fast
- Local private key storage
- Multi-language support
- Low bandwidth usage
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Join 1M+ users on SecondFi (formerly Yoroi), a self-custody neofinance platform built for spending, trading, earning, and saving with you in control. - The card, built for self-custody. A self-custody debit card issued by Wirex. - Spend anywhere, anytime. Use your SecondFi card anywhere Visa is accepted. In-store, online, or abroad. - Send money, fast. Send crypto in seconds. Move funds across networks and borders. - Stake and earn. Earn rewards on supported assets by staking them, straight from your wallet. - Swap on your terms. Swap assets across chains. - Save with stability. Put your assets to work. Designed for yield from real-world assets. - You own your money, fully. Global. Accessible. Yield-bearing. User controlled. SecondFi was built by EMURGO for anyone who wants a second home for their money. The future is onchain. SecondFi is how you get there. Important information SecondFi is a self-custody platform. You hold your own private keys, which means you are solely responsible for the security of your wallet and funds. Lost keys or recovery phrases cannot be restored by SecondFi. Cryptocurrencies are volatile assets. The value of digital assets can rise and fall, and you may lose some or all of the value of your holdings. Only transact with what you can afford to lose. The SecondFi Visa card is issued by Wirex pursuant to a license from Visa. Card availability, features, and supported assets may vary by region. Visa is a registered trademark of Visa Inc. SecondFi is built by EMURGO, a co-founding entity of the Cardano blockchain. SecondFi is not a bank and does not provide banking services. SecondFi does not hold customer funds.
Screenshots
Verdict
The clearest difference is rating: Apple Wallet at 4.8 against SecondFi's 3.6. Apple Wallet also leads on ratings volume (7.5M vs 584) and review sentiment (54% vs 40%). SecondFi's advantage is update cadence (fortnightly vs every 3 months). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Apple Wallet holds the better App Store score, 4.8 against 3.6. That said, the two scores are not equally well evidenced: Apple Wallet has 7.5M ratings behind it against 584, so its average is the more settled of the two. Written reviews point the same way: 54% of Apple Wallet's written reviews are positive against 40% of SecondFi's.
Apple Wallet ships an update every 3 months, SecondFi fortnightly. The most recent releases landed on November 3, 2026 and October 24, 2026 respectively.
| Parameter | Apple Wallet | SecondFi |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (7.5M ratings) — better | 3.6 (584 ratings) |
| Positive reviews | 54.0% of reviews — better | 40.4% of reviews |
| Number of ratings | 7.5M — better | 584 |
| Update frequency | Every 3 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod, Apple Watch — better | iPhone, iPad |
| Requires iOS | 10.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 9 MB | 113 MB |
| Age rating | 4+ | 17+ |
| Developer | Apple Inc. | EMURGO Co., Ltd |
Customer experience
Apple Wallet
SecondFi
User reviews
Apple Wallet
From 7.5M App Store ratingsWhat we love
- 🚀 Convenient and easy to use
- 🔒 Secure with Face ID/Touch ID
- 💳 Integrates credit/debit cards well
- 🎟️ Stores tickets and passes
- 🏠 Stores digital keys and IDs
Room to improve
- 🚫 Limited ability to add loyalty/membership cards
- 🤔 Inconsistent card detection and adding
- 💰 Unauthorized charges and payment issues
- 🔍 Lack of customization options (nicknames, images)
- 🇨🇦 Limited support for Canadian features
SecondFi
From 584 App Store ratingsWhat we love
- 🚀 Fast and efficient
- 👍 User-friendly interface
- 🔒 Secure wallet
- 💡 Staking functionality
Room to improve
- 🐛 Crashes and sync issues
- 🔍 Lack of fiat value display
- 🔌 Connectivity problems with hardware wallets
- 🕰️ Slow performance and lagging
Bugs and requests
Apple Wallet
Reported bugs
4 issues- Card adding/removal issues
- Transactions not properly recorded
- Face ID/Touch ID failures
- Wallet app freezing or not responding
Requested features
5 requests- Add ability to add loyalty/membership cards
- Improve card detection and adding process
- Provide better transaction history and categorization
- Allow customization of card names and images
- Expand support for international features (e.g. Presto card)
SecondFi
Reported bugs
4 issues- Wallet balances not syncing correctly
- Unable to restore wallet from seed phrase
- Biometric login not working as expected
- Delegation and staking issues
Requested features
4 requests- Add support for fiat currency display
- Improve navigation and back button functionality
- Implement dark mode theme
- Enhance NFT viewing capabilities
In-app purchases
Apple Wallet
No in-app purchases
SecondFi
No in-app purchases









