# MyPaymentVault vs Spruce

The clearest difference is rating: Spruce at 4.5 against MyPaymentVault's 1.4. Spruce also leads on review sentiment (34% vs 8%) and ratings volume (5.4K vs 685). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Spruce holds the better App Store score, 4.5 against 1.4. That said, the two scores are not equally well evidenced: Spruce has 5.4K ratings behind it against 685, so its average is the more settled of the two. Written reviews point the same way: 8% of MyPaymentVault's written reviews are positive against 34% of Spruce's.

MyPaymentVault ships an update monthly, Spruce every 3 weeks. The most recent releases landed on November 6, 2026 and November 11, 2026 respectively.

## The numbers

| Metric | MyPaymentVault | Spruce |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.4 (685 ratings)](https://appshunter.io/ios/app/mypaymentvault/id1469902432/reviews) | **[4.5 (5.4K ratings)](https://appshunter.io/ios/app/spruce-mobile-banking/id1595592028/reviews)** |
| Number of ratings | 685 | **5.4K** |
| Positive reviews | 7.7% of reviews | **34.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 42 MB | 308 MB |
| Requires iOS | **15.1** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 12+ | 4+ |
| Developer | [North Lane Technologies, Inc.](https://appshunter.io/developer/1531869638) | [HRB Tax Group, Inc.](https://appshunter.io/developer/350051876) |

## What reviewers say

### MyPaymentVault

[App page](https://appshunter.io/ios/app/mypaymentvault/id1469902432)

Manage your prepaid card on the go with this mobile application. View your balance, review transaction history, locate nearby ATMs, and activate your card. Enjoy a secure and seamless login experience with fingerprint authentication.

**Highlights:** Activate card, Display card balance, View transaction history, Locate in-network ATMs, Fingerprint authentication

**In-app purchases:** none

**What reviewers like**

- 🚀 Works fine
- 📊 Able to check balance

**What reviewers complain about**

- 🐛 App crashes/doesn't work
- 🤖 Poor customer service
- 💸 Unexpected fees/charges
- 🔒 Difficult to access funds
- 🔍 Inaccurate balance/transaction info

**Reported bugs**

- Login issues
- Registration problems
- Inability to update account information

**Requested features**

- Ability to transfer funds to bank account
- Improved transaction history and details


### Spruce

[App page](https://appshunter.io/ios/app/spruce-mobile-banking/id1595592028)

Manage your daily finances and budget for future goals with this mobile banking app. It offers a spending account, a high-yield savings account, and tools to track spending and set savings goals. Build a better relationship with your money through easy-to-use financial management features.

**Highlights:** Spending account management, High-yield savings account, Financial goal setting, Automated deposits, Transaction categorization, Credit score monitoring

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 💡 Helpful savings tools
- 👍 Beautiful UI
- 🚀 Fast direct deposits

**What reviewers complain about**

- 🐛 Frequent app crashes
- ⏱️ Slow check deposits
- 🔒 Security concerns
- 🤖 Poor customer service
- 💰 Unexpected fees

**Reported bugs**

- Login issues
- Syncing problems
- Disappearing funds
- Deactivated cards

**Requested features**

- Ability to transfer funds to external accounts
- Improved account management features
- Faster check clearing times


## Frequently asked questions

### Is MyPaymentVault free?

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

### Is Spruce free?

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

### Which has better reviews, MyPaymentVault or Spruce?

Spruce is rated higher. MyPaymentVault averages 1.4 out of 5 from 685 ratings, while Spruce averages 4.5 from 5.4K ratings.

### Do MyPaymentVault or Spruce have ads?

Neither MyPaymentVault nor Spruce shows ads.

### Which is updated more often, MyPaymentVault or Spruce?

MyPaymentVault ships an update monthly, and Spruce every 3 weeks. Most recently, MyPaymentVault was updated on November 6, 2026 and Spruce on November 11, 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.*