mCards vs Balance Custody
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
mCards
This app allows you to manage and control digital cards that consolidate loyalty programs, offers, gift cards, and payment cards. It personalizes your card experience based on your spending habits and linked accounts, offering enhanced value and security.
- Consolidate loyalty programs
- Manage merchant offers
- Link gift cards
- Connect personal payment cards
- Personalized card experience
- Enhanced security and benefits
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mCards are mobile wallet enabled cards that revolutionize what a card can do. mCards were designed to deliver more value, more security and more benefits to cardholders than ever before possible. Each mCard can be linked and connected to various different points programs, merchant-funded offer programs, employer and corporate programs, membership programs, gift cards and even personal payment cards to enable one mCard to have the power and benefits of your entire wallet. Your mCards can be controlled and managed via the mCards App. Here you are in control of how your card works for you. And yes… it’s personal. How your mCard works for you is based on how you have set it up and what you have linked and connected to it. Your mCard experience is based on your personal spending, your favourite locations, your linked funding sources and your associated programs and memberships. Every mCard program is unique and tailored to deliver the ultimate benefits and rewards for the cardholder. This mobile application uses the EML Payment Solutions Ltd SDK to enable in-app provisioning which has been certified by Apple Oct 2018. We are approved clients of EML Payment Solutions Ltd to use this SDK.
Balance Custody
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For existing Balance Custody clients, this application will allow users with appropriate privileges to securely approve operations such as transactions or external account changes. Please note, this application requires biometrics on your mobile device to be enabled (such as fingerprint or face detection).
Screenshots
Verdict
mCards and Balance Custody are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
mCards ships an update every 3 weeks, Balance Custody monthly. The most recent releases landed on October 6, 2026 and October 4, 2026 respectively.
| Parameter | mCards | Balance Custody |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (5 ratings) — better | — |
| Positive reviews | 25.0% of reviews | — |
| Number of ratings | 5 — better | — |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 131 MB | 28 MB |
| Age rating | 12+ | 4+ |
| Developer | PayWith Worldwide Inc | Paradiso Ventures Inc. |
In-app purchases
mCards
No in-app purchases
Balance Custody
No in-app purchases









