Latitude App vs Vault Payments
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Latitude App
Manage all your credit card accounts and finances in one secure app. Track spending, view statements, make payments, and receive important notifications. Access features like adding cards to your wallet, locking your card, and setting up direct debits.
- Access accounts with biometrics
- Add cards to digital wallets
- Temporarily lock credit cards
- View statements and transaction history
- Track spending and set payment reminders
- Receive push notifications
- Manage personal details and card PIN
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Latitude’s mobile app brings all your finances together in one place. We’re always listening to your feedback and building the app around what matters to you. Credit card features currently include: • Access accounts with Touch ID or Face ID • Add your card to your Apple wallet • Temporarily lock your card • Fast access to all balances • View your statements • Check payment due date • View all transaction information • View and change personal details • Activate your new card • Set or change card PIN • Set up direct debit (Australia only) • Pay by bank transfer (Australia only) • Request a refund (Australia only) • Request a letter • Request account closure • Create a balance transfer • Receive push notifications • Track your spending • Split your credit limit (eligible customers only) • Add an additional card holder • Click to pay Other app features: • View our latest promotions • In app messaging • Receive digital letters • Enhanced secure login • Enhanced homepage • Spend Tracker (Latitude 28 Degrees Global Platinum Mastercard - New customers only) • Rewards with offers, discounts and perks You can view all the products below from your Latitude App: Australia products: • Latitude Gem Visa • Latitude GO Mastercard & GO Platinum Mastercard • Apple Financial Services (AFS) CreditLine • Latitude 28 Degrees Global Platinum Mastercard • Latitude Low Rate Mastercard • Latitude Infinity Rewards Visa • David Jones Premiere, Prestige and Icon Mastercard • Latitude Eco Mastercard • Latitude Mastercard • Care Credit • CreditLine • Buyer's Edge Gem Finance New Zealand products: • Gem Visa • Gem Essentials • Gem CreditLine
Vault Payments
Manage prepaid Mastercards and add them to your digital wallet on Apple devices. This app offers a quick, easy, and secure way to utilize your prepaid cards.
- Prepaid Mastercard management
- Add to Apple Wallet
- Quick and easy utilization
- Secure transactions
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The Vault app enables you to quickly, easily and securely utilise prepaid Mastercards and add to wallet on your Apple devices.
Screenshots
Verdict
The clearest difference is rating: Latitude App at 4.6 against Vault Payments's 3.0. Latitude App also leads on ratings volume (161 vs 2) and review sentiment (49% vs 25%). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Latitude App holds the better App Store score, 4.6 against 3.0. That said, the two scores are not equally well evidenced: Latitude App has 161 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 49% of Latitude App's written reviews are positive against 25% of Vault Payments's.
Latitude App ships an update fortnightly, Vault Payments every 3 weeks. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.
| Parameter | Latitude App | Vault Payments |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (161 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 48.5% of reviews — better | 25.0% of reviews |
| Number of ratings | 161 — better | 2 |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 16 | 16.0 |
| Further details — not scored | ||
| Size | 200 MB | 57 MB |
| Age rating | 4+ | 17+ |
| Developer | Latitude Financial Services Australia Holdings Pty Ltd | Vault Payment Solutions Group Pty Ltd |
Customer experience
Latitude App
Vault Payments
Bugs and requests
Latitude App
Reported bugs
4 issues- App crashes after update
- Unable to log in or create account
- Delayed or missing transaction updates
- Inability to make payments or access account
Requested features
6 requests- Allow users to select which purchase to apply payments to
- Provide notifications for upcoming payments
- Add ability to lock/unlock card within the app
- Show full transaction details and breakdown
- Improve app stability and reliability
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- Simplify the app interface and navigation
Vault Payments
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Latitude App
No in-app purchases
Vault Payments
No in-app purchases
Questions
Is Latitude App free?
Is Vault Payments free?
Which has better reviews, Latitude App or Vault Payments?
Do Latitude App or Vault Payments have ads?
Which is updated more often, Latitude App or Vault Payments?
Other comparisons
