# Vault vs Paytend

The clearest difference is iOS requirement: Paytend at 13.0 against Vault's 16.0. On price, review sentiment, update cadence 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.

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 23, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Vault | Paytend |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.1 (17 ratings)](https://appshunter.io/ios/app/vault-borderless-banking/id1218784569/reviews)** | — |
| Number of ratings | **17** | — |
| Positive reviews | 52.3% of reviews | **53.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Free | Free |
| Size | 110 MB | 124 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [DEVERE GROUP LIMITED](https://appshunter.io/developer/1218784568) | [PAYTEND EUROPE UAB](https://appshunter.io/developer/1470069382) |

## 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


### Paytend

[App page](https://appshunter.io/ios/app/paytend/id1470069383)

Manage personal and business finances with a comprehensive fintech solution. Open a SEPA account, transfer money globally, exchange currencies, and get virtual or physical bank cards. Offers business solutions for cross-border e-commerce.

**Highlights:** SEPA account opening, Global money transfers, Currency exchange, Virtual and physical card issuance, Business payment solutions, Cross-border e-commerce settlement

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Vault free?

Vault is free to download, with no in-app purchases.

### Is Paytend free?

Paytend is free to download, with no in-app purchases.

### Do Vault or Paytend have ads?

Neither Vault nor Paytend shows ads.

### Which is updated more often, Vault or Paytend?

Vault ships an update every 3 weeks, and Paytend every 3 weeks. Most recently, Vault was updated on October 23, 2026 and Paytend on October 25, 2026.

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