# Vault vs Caxton Business

The clearest difference is rating: Caxton Business at 5.0 against Vault's 3.1. Vault's advantage is update cadence (every 3 weeks vs every 4 months) and ratings volume (17 vs 1). On price, review sentiment, ads and in-app purchases there is nothing between them.

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

Caxton Business holds the better App Store score, 5.0 against 3.1. That said, the two scores are not equally well evidenced: Vault has 17 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 52% of Vault's written reviews are positive against 50% of Caxton Business's, so the app with the better star average is not the one people write more warmly about.

Vault ships an update every 3 weeks, Caxton Business every 4 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Vault | Caxton Business |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (17 ratings)](https://appshunter.io/ios/app/vault-borderless-banking/id1218784569/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/caxton-business/id1481447748/reviews)** |
| Number of ratings | **17** | 1 |
| Positive reviews | **52.3% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Monetization | Free | Free |
| Size | 110 MB | 46 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [DEVERE GROUP LIMITED](https://appshunter.io/developer/1218784568) | [Caxton Payments Ltd](https://appshunter.io/developer/687286645) |

## 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


### Caxton Business

[App page](https://appshunter.io/ios/app/caxton-business/id1481447748)

Effortlessly track your spending by scanning receipts and categorizing transactions in real-time. Monitor your account balances and view transaction history with ease.

**Highlights:** Receipt scanning, Real-time categorization, Balance viewing, Transaction history, PIN management

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Vault free?

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

### Is Caxton Business free?

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

### Which has better reviews, Vault or Caxton Business?

Caxton Business is rated higher. Vault averages 3.1 out of 5 from 17 ratings, while Caxton Business averages 5.0 from 1 ratings.

### Do Vault or Caxton Business have ads?

Neither Vault nor Caxton Business shows ads.

### Which is updated more often, Vault or Caxton Business?

Vault ships an update every 3 weeks, and Caxton Business every 4 months. Most recently, Vault was updated on November 2, 2026 and Caxton Business on November 3, 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.*