Comparison

Vault vs Paytend Pay

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

Paytend Pay

Read full description

Paytend Pay is a secure account and service management app for businesses using the Paytend payment ecosystem. Paytend Pay focuses on account access, subscription management, and profile administration, enabling users to manage their Paytend services conveniently from their iPhone. Paytend provides online and in-store payment acquiring solutions, including card payments and global e-commerce services. Direct payment processing is not available within the app at this time. Payments can currently be completed via Paytend payment links. Additional payment-related features are planned for future updates. Apply here - https://merchant.paytend.com/user/register

Screenshots

Vault4 screens
Paytend Pay4 screens

Verdict

The call

The clearest difference is iOS requirement: Paytend Pay at 13.0 against Vault's 16.0. On price, update cadence, ads and in-app purchases 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.

UpkeepUpdate frequency

Vault ships an update every 3 weeks, Paytend Pay every 4 weeks. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.

Scorecard1 real difference · 9 level
Vault versus Paytend Pay: the parameters behind the verdict, then further details
ParameterVaultPaytend Pay
PriceFreeFree
Rating3.1 (17 ratings) — better—
Positive reviews52.3% of reviews—
Number of ratings17 — better—
Update frequencyEvery 3 weeks — betterEvery 4 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.013.0 — better
Further details — not scored
Size110 MB42 MB
Age rating4+4+
DeveloperDEVERE GROUP LIMITEDPAYTEND EUROPE UAB

In-app purchases

None

Vault

No in-app purchases

None

Paytend Pay

No in-app purchases

Questions

Is Vault free?
Vault is free to download, with no in-app purchases.
Is Paytend Pay free?
Paytend Pay is free to download, with no in-app purchases.
Do Vault or Paytend Pay have ads?
Neither Vault nor Paytend Pay shows ads.
Which is updated more often, Vault or Paytend Pay?
Vault ships an update every 3 weeks, and Paytend Pay every 4 weeks. Most recently, Vault was updated on October 24, 2026 and Paytend Pay on October 27, 2026.

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