# Vault vs Incard

The clearest difference is rating: Incard at 5.0 against Vault's 3.1. Incard also leads on review sentiment (82% vs 52%) and update cadence (weekly vs every 3 weeks). Vault's advantage is ratings volume (17 vs 5). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Incard holds the better App Store score, 5.0 against 3.1. Both are backed by a comparable volume of ratings — 17 and 5 respectively. Written reviews point the same way: 52% of Vault's written reviews are positive against 82% of Incard's.

Vault ships an update every 3 weeks, Incard weekly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Vault | Incard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (17 ratings)](https://appshunter.io/ios/app/vault-borderless-banking/id1218784569/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/incard/id1593372177/reviews)** |
| Number of ratings | **17** | 5 |
| Positive reviews | 52.3% of reviews | **81.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Weekly** |
| Monetization | Free | Free |
| Size | 110 MB | 117 MB |
| Requires iOS | **16.0** | 17 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [DEVERE GROUP LIMITED](https://appshunter.io/developer/1218784568) | [incard Ltd.](https://appshunter.io/developer/1593372179) |

## 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


### Incard

[App page](https://appshunter.io/ios/app/incard/id1593372177)

This financial platform helps digital entrepreneurs manage all aspects of their business finances. It offers corporate cards, expense tracking, bill payments, and accounting automation, all accessible through a mobile app.

**Highlights:** Corporate cards, Expense management, Bill payments, Accounting automation, E-commerce integration, Multi-currency accounts, Receipt uploads

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

**In-app purchases:** none


## Frequently asked questions

### Is Vault free?

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

### Is Incard free?

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

### Which has better reviews, Vault or Incard?

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

### Do Vault or Incard have ads?

Neither Vault nor Incard shows ads.

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

Vault ships an update every 3 weeks, and Incard weekly. Most recently, Vault was updated on November 2, 2026 and Incard 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.*