# Vault vs Algbra

The clearest difference is rating: Algbra at 5.0 against Vault's 3.1. On price, review sentiment, ratings volume and update cadence there is nothing between them.

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

Algbra holds the better App Store score, 5.0 against 3.1. Both are backed by a comparable volume of ratings — 17 and 19 respectively. Written reviews point the same way: 52% of Vault's written reviews are positive against 55% of Algbra's.

Vault ships an update every 3 weeks, Algbra fortnightly. The most recent releases landed on October 23, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | Vault | Algbra |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (17 ratings)](https://appshunter.io/ios/app/vault-borderless-banking/id1218784569/reviews) | **[5.0 (19 ratings)](https://appshunter.io/ios/app/algbra/id1610109395/reviews)** |
| Number of ratings | 17 | **19** |
| Positive reviews | 52.3% of reviews | **55.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 110 MB | 134 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [DEVERE GROUP LIMITED](https://appshunter.io/developer/1218784568) | [Algbra FS UK Limited](https://appshunter.io/developer/1610109637) |

## 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


### Algbra

[App page](https://appshunter.io/ios/app/algbra/id1610109395)

Manage your money ethically with a platform that prioritizes people and the planet. Open an account, save with competitive returns, and support causes you care about, all while tracking your environmental impact.

**Highlights:** Ethical savings with competitive returns, Multi-currency accounts and transfers, Borderless UK accounts, Donate to charities directly, Track and offset carbon footprint, Contactless and virtual debit cards

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Clean and straightforward UI
- 🚀 Speedy ecosystem
- 🔒 Safe and essential banking
- 👍 Easy to use
- ✨ Ethical and sustainable values

**What reviewers complain about**

- 😞 No response after applying
- ⚠️ Account blocked for no reason
- 🆘 Unable to spend/send
- 🚫 Not for NI residents
- 😥 Withholding funds

**Reported bugs**

- App keeps telling to update even after update
- Account frozen and restricted
- Account blocked randomly
- App crashing non-stop
- Balance not showing

**Requested features**

- Ability to delete bank contacts
- Apple Pay
- Debit card top ups
- Subscription plan for cashback/credit score
- Interest on balances


## Frequently asked questions

### Is Vault free?

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

### Is Algbra free?

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

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

Algbra is rated higher. Vault averages 3.1 out of 5 from 17 ratings, while Algbra averages 5.0 from 19 ratings.

### Do Vault or Algbra have ads?

Neither Vault nor Algbra shows ads.

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

Vault ships an update every 3 weeks, and Algbra fortnightly. Most recently, Vault was updated on October 23, 2026 and Algbra on October 20, 2026.

---

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