Comparison

Vault vs S1lkPay

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

S1lkPay

A secure digital wallet and payment app for effortless financial transactions. Manage bills, shop online, and send money with a virtual prepaid card and expense tracking.

Highlights
  • Instant digital payment card
  • Secure mobile money transfer
  • Family finance management
  • Expense tracker
  • Multi-currency account
  • Card control features
Features
Read full description

Welcome to S1lkpay, your ultimate financial companion. S1lkpay is a secure and convenient digital wallet and payment app that simplifies your financial transactions. Whether you're paying bills, shopping online, or supporting loved ones, S1lkpay has got you covered. Effortless Money Management: Instant Digital Payment Card: Open a virtual prepaid card for seamless online and in-store purchases. Secure Mobile Money Transfer: Send and receive funds securely with our encrypted platform, perfect for both local and international transactions. Family Finance Management: Share cards with family and friends, and easily control shared expenses from your mobile device. Key Features: Mobile Payments: Enjoy the ease of cashless payments for all your daily needs. Expense Tracker: Keep an eye on your spending with our user-friendly expense tracking feature. Multi-Currency Account: Travel with ease using our multi-currency account, offering competitive exchange rates. Financial Services: Access a range of services including budgeting tools and financial support for your loved ones. Card Control: Ensure the security of your transactions with advanced card control features. Why Choose S1lkpay? Fast and Reliable: Experience quick and dependable payment processing with our secure platform. User-Friendly: Navigate effortlessly through our intuitive interface, designed for hassle-free financial management. No Bank Account Required: Get started without the need for a traditional bank account or credit checks. Download S1lkpay today and take the first step towards simplified and secure financial management. Whether you're paying, transferring, or sharing money, S1lkpay is your trusted companion for all things finance.

Screenshots

Vault4 screens
S1lkPay4 screens

Verdict

The call

The clearest difference is ads: Vault at none against S1lkPay's shown. Vault also leads on review sentiment (52% vs 38%) and monetization model (free vs ad-supported). S1lkPay's advantage is rating (3.5 vs 3.1). On price, ratings volume, update cadence 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.

ReceptionRating · Positive reviews · Number of ratings

S1lkPay holds the better App Store score, 3.5 against 3.1. Both are backed by a comparable volume of ratings — 17 and 21 respectively. Written reviews complicate that: 52% of Vault's written reviews are positive against 38% of S1lkPay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
Vault versus S1lkPay: the parameters behind the verdict, then further details
ParameterVaultS1lkPay
PriceFreeFree
Rating3.1 (17 ratings)3.5 (21 ratings) — better
Positive reviews52.3% of reviews — better38.5% of reviews
Number of ratings1721 — better
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.5 — better
Further details — not scored
Size110 MB243 MB
Age rating4+4+
DeveloperDEVERE GROUP LIMITEDS1LK, TOO

Customer experience

Vault

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

S1lkPay

All ratings20 ratings
Positive55.0%
Neutral5.0%
Negative40.0%
Written reviews13 reviews
Positive38.5%
Neutral0.0%
Negative61.5%

In-app purchases

None

Vault

No in-app purchases

None

S1lkPay

No in-app purchases

Questions

Is Vault free?
Vault is free to download, with no in-app purchases.
Is S1lkPay free?
S1lkPay is free to download, with no in-app purchases.
Which has better reviews, Vault or S1lkPay?
S1lkPay is rated higher. Vault averages 3.1 out of 5 from 17 ratings, while S1lkPay averages 3.5 from 21 ratings.
Do Vault or S1lkPay have ads?
S1lkPay shows ads; Vault does not.
Which is updated more often, Vault or S1lkPay?
Vault ships an update every 3 weeks, and S1lkPay every 3 weeks. Most recently, Vault was updated on November 6, 2026 and S1lkPay on November 3, 2026.

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