# Vault vs SimlessPay

The clearest difference is rating: SimlessPay at 4.6 against Vault's 3.1. SimlessPay also leads on review sentiment (80% vs 52%). On price, ratings volume, update cadence and ads there is nothing between them.

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

SimlessPay holds the better App Store score, 4.6 against 3.1. Both are backed by a comparable volume of ratings — 17 and 32 respectively. Written reviews point the same way: 52% of Vault's written reviews are positive against 80% of SimlessPay's.

Vault ships an update every 3 weeks, SimlessPay every 10 days. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Vault | SimlessPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (17 ratings)](https://appshunter.io/ios/app/vault-borderless-banking/id1218784569/reviews) | **[4.6 (32 ratings)](https://appshunter.io/ios/app/simlesspay/id6466781453/reviews)** |
| Number of ratings | 17 | **32** |
| Positive reviews | 52.3% of reviews | **79.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 10 days** |
| Monetization | Free | Free |
| Size | 110 MB | 81 MB |
| Requires iOS | 16.0 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [DEVERE GROUP LIMITED](https://appshunter.io/developer/1218784568) | [SimlessPay](https://appshunter.io/developer/1712461471) |

## 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


### SimlessPay

[App page](https://appshunter.io/ios/app/simlesspay/id6466781453)

This app facilitates instant international money transfers for various needs like education, medical bills, or housing. It prioritizes security with open banking technology and offers competitive exchange rates and transparent pricing. The goal is to provide a smooth and stress-free cross-border payment experience.

**Highlights:** Instant money transfers, Secure open banking technology, Competitive exchange rates, Transparent low-cost fees, Regulated and supervised, Cross-border payments

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

**In-app purchases:** none


## Frequently asked questions

### Is Vault free?

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

### Is SimlessPay free?

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

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

SimlessPay is rated higher. Vault averages 3.1 out of 5 from 17 ratings, while SimlessPay averages 4.6 from 32 ratings.

### Do Vault or SimlessPay have ads?

Neither Vault nor SimlessPay shows ads.

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

Vault ships an update every 3 weeks, and SimlessPay every 10 days. Most recently, Vault was updated on October 24, 2026 and SimlessPay on October 25, 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.*