# Vault vs S1lkPay

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.

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

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.

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

## The numbers

| Metric | Vault | S1lkPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (17 ratings)](https://appshunter.io/ios/app/vault-borderless-banking/id1218784569/reviews) | **[3.5 (21 ratings)](https://appshunter.io/ios/app/s1lkpay/id1579807258/reviews)** |
| Number of ratings | 17 | **21** |
| Positive reviews | **52.3% of reviews** | 38.5% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 110 MB | 243 MB |
| Requires iOS | 16.0 | **15.5** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [DEVERE GROUP LIMITED](https://appshunter.io/developer/1218784568) | [S1LK, TOO](https://appshunter.io/developer/1474328358) |

## 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


### S1lkPay

[App page](https://appshunter.io/ios/app/s1lkpay/id1579807258)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


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