# Vault vs Fluid card

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.

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

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.

Vault ships an update every 3 weeks, Fluid card weekly. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Vault | Fluid card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (17 ratings)](https://appshunter.io/ios/app/vault-borderless-banking/id1218784569/reviews) | **[4.6 (21 ratings)](https://appshunter.io/ios/app/fluid-card/id1364730352/reviews)** |
| Number of ratings | 17 | **21** |
| Positive reviews | 52.3% of reviews | **60.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Weekly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 110 MB | 155 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [DEVERE GROUP LIMITED](https://appshunter.io/developer/1218784568) | [NewDay Ltd](https://appshunter.io/developer/903335384) |

## What reviewers say

### Vault

[App page](https://appshunter.io/ios/app/vault-borderless-banking/id1218784569)

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

**In-app purchases:** none


### Fluid card

[App page](https://appshunter.io/ios/app/fluid-card/id1364730352)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use app and interface
- 💳 Simple payment process
- 🔒 Good security features
- 📱 Well-designed app layout
- 💰 Flexible credit options

**What reviewers complain about**

- 🐛 Frequent app crashes and errors
- 🔐 Login issues and access problems
- 💸 High interest rates
- ⚠️ Payment processing failures
- 📉 Poor credit limit decisions

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked 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 24, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*