VFX Financial vs Spar Key
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
VFX Financial
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View and manage your business finances from anywhere. The VFX Financial app gives complex organisations direct access to their accounts, payments, and foreign exchange, all in one place. Approve payments on the go Review, create and authorise payments quickly and securely, without needing to be on your desktop device. Book FX trades Access VFX's foreign exchange capabilities and book trades directly from your mobile. Multi-currency accounts & banking View balances, monitor transactions, and manage your money across currencies. Robust security Secure login with biometric authentication, Face ID and Touch ID supported. VFX Financial is authorised and regulated by the UK Financial Conduct Authority (FRNs 592260 and 900530). VFX Financial DIFC Limited is regulated by the Dubai Financial Services Authority (F010820). VFX Financial Canada Inc. is registered with FINTRAC (M15149166) and as a Money Services Business in Québec (No. 21165). Learn more at vfxfinancial.com.
Spar Key
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Sparkasse Bank Malta plc has released an Authentication Application that has removed the need for a physical token to be used when accessing and transacting on your account(s) using the Bank’s Online Banking System. Spar Key enables a more secure and efficient environment for Sparkasse Bank Malta plc’s clients throughout the following processes: • Logging-in into the Bank’s Online Banking System; • Authorising the release of Payment Instructions; and • Authorising the release of Securities related orders. Spar Key has been developed in compliance with the requirements on Strong Customer Authentication stemming from ‘the EU’s Payment Services Directive II (PSD II)’.
Screenshots
Verdict
The clearest difference is update cadence: VFX Financial at every 4 weeks against Spar Key's every 19 months. Spar Key's advantage is iOS requirement (12.4 vs 16.0). On price, ads, in-app purchases and device support 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.
VFX Financial ships an update every 4 weeks, Spar Key every 19 months. The most recent releases landed on October 4, 2026 and October 1, 2026 respectively.
| Parameter | VFX Financial | Spar Key |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 4 weeks — better | Every 19 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 12.4 — better |
| Further details — not scored | ||
| Size | 71 MB | 44 MB |
| Age rating | 4+ | 4+ |
| Developer | VFX PLC | Sparkasse Bank Malta plc |
In-app purchases
VFX Financial
No in-app purchases
Spar Key
No in-app purchases









