ZAAP vs Vault Payments
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ZAAP
This app facilitates a digital approach to children's pocket money, offering parents a secure and convenient way to manage their child's finances. It allows for instant money transfers, spending tracking, and teaches valuable money management skills.
- Instant money transfers
- Spending tracking
- Financial responsibility education
- Secure payment card/wearable
- Customizable card design
- No debt possible
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ZAAP - the smart approach to Pocket Money for kids ZAAP is a leading edge digital tool for parents and children. Better than a debit card, it is a Mastercard Pocket Money Card and/or Wearable Payment Band supported by our innovative App. ZAAP is a safe and convenient way for parents to teach their children financial responsibility and good money management skills whilst maintaining control and peace of mind. Received or ordered your ZAAP? Then download the ZAAP App to get started. Haven’t ordered your ZAAP yet? Order today (link to order page) The smart approach to pocket money • Instantly transfer money from parent to child • Safer and more convenient than cash • Maintain control • Can be used anywhere. Take the stress out of giving cash to kids • Know where and how much your child is spending • Much safer than carrying cash • Your child can only spend what is loaded onto the Card • Peace of mind knowing your child can always get transport home • Teach your child financial responsibility and money management skills. Why kids love it • They feel recognised and financially independent • Build good savings habits • They can design their own Card or choose from our card range • No longer need to carry cash • The ZAAP Band is easy to use - and it looks awesome too. • Can’t get into debt. Can only spend what is on the Card Join the happy tribe of ZAAPers today! Please note: You need to have placed your order for ZAAP before you can start using the app. Get ZAAP at www.zaap.com.au
Vault Payments
Manage and utilize prepaid Mastercards with ease. This application allows for quick and secure access to your prepaid cards, with the ability to add them directly to your Apple Wallet.
- Utilize prepaid Mastercards
- Add to Apple Wallet
- Quick access
- Easy management
- 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: ZAAP at 3.7 against Vault Payments's 3.0. ZAAP also leads on iOS requirement (10.0 vs 16.0). Vault Payments's advantage is review sentiment (25% vs 7%). On price, ratings volume, update cadence and ads 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.
ZAAP holds the better App Store score, 3.7 against 3.0. Both are backed by a comparable volume of ratings — 3 and 2 respectively. Written reviews complicate that: 7% of ZAAP's written reviews are positive against 25% of Vault Payments's, so the app with the better star average is not the one people write more warmly about.
ZAAP ships an update every 6 weeks, Vault Payments every 3 weeks. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.
| Parameter | ZAAP | Vault Payments |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (3 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 7.1% of reviews | 25.0% of reviews — better |
| Number of ratings | 3 — better | 2 |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 10.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 37 MB | 57 MB |
| Age rating | 4+ | 17+ |
| Developer | Corporate Prepaid Cards Pty Ltd | Vault Payment Solutions Group Pty Ltd |
Customer experience
ZAAP
Vault Payments
In-app purchases
ZAAP
No in-app purchases
Vault Payments
No in-app purchases
