# Vault Payments vs Hostplus

The clearest difference is rating: Hostplus at 4.9 against Vault Payments's 3.0. Hostplus also leads on review sentiment (50% vs 25%) and ratings volume (80 vs 2). Vault Payments's advantage is update cadence (every 3 weeks vs every 2 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.

Hostplus holds the better App Store score, 4.9 against 3.0. That said, the two scores are not equally well evidenced: Hostplus has 80 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 25% of Vault Payments's written reviews are positive against 50% of Hostplus's.

Vault Payments ships an update every 3 weeks, Hostplus every 2 months. The most recent releases landed on October 15, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | Vault Payments | Hostplus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/vault-payments/id1466020462/reviews) | **[4.9 (80 ratings)](https://appshunter.io/ios/app/hostplus/id1499755194/reviews)** |
| Number of ratings | 2 | **80** |
| Positive reviews | 25.0% of reviews | **50.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 57 MB | 30 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [Vault Payment Solutions Group Pty Ltd](https://appshunter.io/developer/1466020461) | [HOSTPLUS Super](https://appshunter.io/developer/960507091) |

## What reviewers say

### Vault Payments

[App page](https://appshunter.io/ios/app/vault-payments/id1466020462)

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.

**Highlights:** Utilize prepaid Mastercards, Add to Apple Wallet, Quick access, Easy management, Secure transactions

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

**In-app purchases:** none


### Hostplus

[App page](https://appshunter.io/ios/app/hostplus/id1499755194)

Manage your superannuation and insurance on the go. Check your balance, track contributions, and access useful features securely. Designed for existing members, it offers a simple and intuitive experience.

**Highlights:** Check account balance, Track contributions, View insurance details, Secure login (PIN, Touch ID, Face ID), Simple and easy to understand

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use and navigate interface
- 📱 Clean, modern, and intuitive design
- ⚡ Quick access to balance and account information
- 📊 Helpful graphs and visual balance tracking
- 🔔 Real-time balance update notifications

**What reviewers complain about**

- 🐛 Frequent app crashes and errors
- ⏱️ Slow loading times and laggy performance
- 🔄 Frequent maintenance windows and downtime
- ❌ Login failures and authentication issues
- 📉 Real-time balance updates degraded to 1-2 days

**Reported bugs**

- App stuck on loading screen after PIN entry
- Login button unresponsive after recent updates
- Error 122: Minimum security requirements violation
- Unexpected error messages preventing app access
- Session timeout during password recovery

**Requested features**

- Historical balance tracking by specific dates
- Financial year earnings breakdown (not just 12 months)
- Better graphs and detailed performance analysis
- Investment switching capability on app
- Two-factor authentication via authenticator app


## Frequently asked questions

### Is Vault Payments free?

Vault Payments is free to download, with no in-app purchases.

### Is Hostplus free?

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

### Which has better reviews, Vault Payments or Hostplus?

Hostplus is rated higher. Vault Payments averages 3.0 out of 5 from 2 ratings, while Hostplus averages 4.9 from 80 ratings.

### Do Vault Payments or Hostplus have ads?

Neither Vault Payments nor Hostplus shows ads.

### Which is updated more often, Vault Payments or Hostplus?

Vault Payments ships an update every 3 weeks, and Hostplus every 2 months. Most recently, Vault Payments was updated on October 15, 2026 and Hostplus on October 18, 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.*