# TBC Pass vs VPM Cloud

The clearest difference is review sentiment: VPM Cloud at 100% against TBC Pass's 12%. VPM Cloud also leads on update cadence (monthly vs every 6 months). 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.

TBC Pass ships an update every 6 months, VPM Cloud monthly. The most recent releases landed on October 14, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | TBC Pass | VPM Cloud |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (23 ratings)](https://appshunter.io/ios/app/tbc-pass/id1271704491/reviews)** | — |
| Number of ratings | **23** | — |
| Positive reviews | 11.8% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Monthly** |
| Monetization | Free | Free |
| Size | 12 MB | 33 MB |
| Requires iOS | **12.0** | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [TBC Bank](https://appshunter.io/developer/513875013) | [V-TAC PAYROLL MANAGEMENT](https://appshunter.io/developer/1790422056) |

## What reviewers say

### TBC Pass

[App page](https://appshunter.io/ios/app/tbc-pass/id1271704491)

This app generates one-time codes for secure online and mobile banking transactions. It serves as an alternative to SMS codes and physical token devices for authorization.

**Highlights:** Generates one-time codes, Authorizes internet banking, Authorizes mobile banking, Alternative to SMS codes, Alternative to token devices

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

**In-app purchases:** none


### VPM Cloud

[App page](https://appshunter.io/ios/app/vpm-cloud/id6450372061)

Access your paystubs, invoices, and payroll reports conveniently. Track your income, deductions, and vacation pay status with real-time updates. Manage personal information and stay informed about your Year-to-Date financial data.

**Highlights:** View paystubs and invoices, Access pay registers and reports, Track payroll processing status, Manage personal information, View Year-to-Date (YTD) tax and income data, Track vacation pay status

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is TBC Pass free?

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

### Is VPM Cloud free?

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

### Do TBC Pass or VPM Cloud have ads?

Neither TBC Pass nor VPM Cloud shows ads.

### Which is updated more often, TBC Pass or VPM Cloud?

TBC Pass ships an update every 6 months, and VPM Cloud monthly. Most recently, TBC Pass was updated on October 14, 2026 and VPM Cloud on October 10, 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.*