Comparison

Vault vs Fluid card

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Vault

Manage your global finances with a low-cost money app. Instantly transfer and exchange currencies with no hidden fees. Control your money from your phone and spend worldwide with a prepaid Mastercard.

Highlights
  • Instant currency exchange
  • Multi-currency prepaid Mastercard
  • Free global money transfers
  • Real-time transaction notifications
  • Dynamic FX rate alerts
  • Companion cards for family
  • Secure touch/face ID login
Read full description

Vault is a global money app that allows you to instantly transfer and exchange currency to and from your account in real time with no stress, no hassle and no hidden charges. With the multi-currency deVere Vault Prepaid Mastercard®, you can spend money online, in store or at any ATM locations across the globe that has the Mastercard® acceptance mark. Designed to fit around your busy schedule, Vault gives you full control of your own finances in the palm of your hand. Our Goals We want to implement greater transparency within the banking world by providing a secure, seamless experience that facilitates your currency exchange with no hidden fees. Features Create an account in five settlement currencies: GBP, USD, EUR, CHF, PLN. Transfer money between accounts instantly and for free anywhere in the world. Transfer and store in a further 22 currencies Top up your wallet by bank transfer, or instantly via debit card. Instant Vault-2-Vault transfers between users. Receive money from third-party bank accounts. Add up to 3 Companion Cards for family and friends under the primary Vault user account. See the exact exchange rate before committing to a conversion. Set up dynamic FX rate alerts to exchange at the optimum time. Get real-time notifications after every transaction. Enable and disable contactless/magstripe/online transactions or ATM withdrawals in app. Turn payments on and off when you're abroad. Get rewarded for recommending Vault to family and friends. Secure touch/face ID login Experience instant live chat support Freeze and unfreeze your card on the go deVere Vault Prepaid Mastercard® The deVere Vault Prepaid Mastercard® is a multi-currency card that can be ordered from the app at the touch of a button. The card can then be used online, in store and at any ATM locations across the globe that have the Mastercard® Acceptance Mark. Security Secure Account As well as being fast and user friendly, we believe that account safety is of utmost importance. That’s why your data is kept under the highest levels of encryption and your money is held securely in an account that cannot be touched by the bank. Card Transactions All Vault Card transactions are processed by a Mastercard® Certified processor which has attained the necessary PCI DSS (Payment Card Industry Data Security Standard) Level 1 accreditations required. Secure Account As well as being fast and user friendly, we believe that account safety is of utmost importance. That’s why your data is kept under the highest levels of encryption and your money is held securely in an account that cannot be touched by the bank. Instant Vault allows you to instantly load and convert money in up to 27 currencies. Whether you need to send money to friends, pay bills overseas or just want to save money on currency exchange, our user-friendly app is the only travel companion you need. Currency Create and fund your account in five major currencies: GBP, USD, EUR, CHF and PLN, with the option to exchange, spend and store in a further 22 currencies. Make transactions and purchases anywhere in the world, with the deVere Vault Prepaid Mastercard®. Freedom We eliminate hidden banking fees by always showing you the exact conversion rate before you commit to an exchange. Vault users have complete control over every aspect of their account, meaning payments are secure and can be made anywhere Mastercard® is accepted.

About

Fluid card

Manage your financial account securely from your mobile device. View balances, track transactions, make payments, and update your details with ease. Get support and manage preferences all within the app.

Highlights
  • View balance and credit limit
  • Track transactions
  • Make payments
  • Set up Direct Debit
  • Manage statement preferences
  • Update contact details
Features
Read full description

Manage your account anywhere, anytime, with our secure mobile app. Free to download now, we have lots of features to enable you to manage your account easily: - View your latest balance and available credit limit - View your latest transactions, including transactions that are still pending - Make a payment on your account - Set up or manage your Direct Debit - Manage your statement preferences - Update your contact details - Get in contact with us and view our FAQs Registered for Online Account Manager already? If you’re registered for Online Account Manager already then you’ll be able to use these details to login. No need to re-register! Not Registered for Online Account Manger? If you’re not registered for Online Account Manager then no problem! Download the app and click ‘Register for Online Account Manager’. You’ll need the following details to hand: - Last name - Date of birth - Postcode - Your card details OR your account number

Screenshots

Vault4 screens
Fluid card4 screens

Verdict

The call

The clearest difference is rating: Fluid card at 4.6 against Vault's 3.1. Fluid card also leads on update cadence (weekly vs every 3 weeks). Vault's advantage is monetization model (free vs free with in-app purchases). On price, review sentiment, ratings volume and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Fluid card holds the better App Store score, 4.6 against 3.1. Both are backed by a comparable volume of ratings — 17 and 21 respectively. Written reviews point the same way: 52% of Vault's written reviews are positive against 60% of Fluid card's.

UpkeepUpdate frequency

Vault ships an update every 3 weeks, Fluid card weekly. The most recent releases landed on October 23, 2026 and October 20, 2026 respectively.

Scorecard3 real differences · 7 level
Vault versus Fluid card: the parameters behind the verdict, then further details
ParameterVaultFluid card
PriceFreeFree
Rating3.1 (17 ratings)4.6 (21 ratings) — better
Positive reviews52.3% of reviews60.0% of reviews — better
Number of ratings1721 — better
Update frequencyEvery 3 weeksWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size110 MB155 MB
Age rating4+17+
DeveloperDEVERE GROUP LIMITEDNewDay Ltd

Customer experience

Vault

All ratings17 ratings
Positive52.9%
Neutral5.9%
Negative41.2%
Written reviews44 reviews
Positive52.3%
Neutral0.0%
Negative47.7%

Fluid card

All ratings21 ratings
Positive90.5%
Neutral4.8%
Negative4.8%
Written reviews120 reviews
Positive60.0%
Neutral6.7%
Negative33.3%

Bugs and requests

Vault

Not enough reviews yet to summarise bugs or requests.

Fluid card

Reported bugs

11 issues
  • App won't open or load
  • Login fails with 'something went wrong' error
  • Face ID authentication not working
  • Payment recorded but not reflected in account
  • App times out during login
Show 6 more
  • Standing orders not executing
  • App crashes after updates
  • iPhone 7 compatibility issues
  • Payment decline without clear reason
  • Frozen card button disappears from interface
  • OTP not being sent for login verification

Requested features

9 requests
  • Save debit card details for future payments
  • Display payment due date prominently
  • Show interest breakdown in app
  • Alternative login method (passcode option)
  • Better balance transfer functionality
Show 4 more
  • More 0% balance transfer offers for existing customers
  • PIN retrieval option in app
  • Clear information on charges and payment dates
  • Improved standing order management

In-app purchases

None

Vault

No in-app purchases

None

Fluid card

No in-app purchases

Questions

Is Vault free?
Vault is free to download, with no in-app purchases.
Is Fluid card free?
Fluid card is free to download, with no in-app purchases.
Which has better reviews, Vault or Fluid card?
Fluid card is rated higher. Vault averages 3.1 out of 5 from 17 ratings, while Fluid card averages 4.6 from 21 ratings.
Do Vault or Fluid card have ads?
Neither Vault nor Fluid card shows ads.
Which is updated more often, Vault or Fluid card?
Vault ships an update every 3 weeks, and Fluid card weekly. Most recently, Vault was updated on October 23, 2026 and Fluid card on October 20, 2026.

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