M36 vs SeqoraVault
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
M36
Manage your wealth and investments with personalized online products and services. Access loans, travel allowances, and estate planning. Offers a 24/7 digital concierge and investment advisors.
- Personalized investment products
- Digital concierge service 24/7
- Investment advisors
- Loans and asset-backed financing
- Estate planning services
- Wealth management by invitation
Read full descriptionHide full description
As our world becomes more digitally-connected, there's an increasing need for an innovative, dynamic, and on-demand solution to wealth management needs. M36 by Union Bank is poised to meet this need by delivering personalised online investment products and services. Our suite of tailored investment and lifestyle products and services has been carefully curated to help bring our users closer to their financial goals, M36 . Investments: Whether you're a first time investor, a seasoned professional, or you just want to track your investments more easily, we've got you covered with our simplified, user-friendly app. With our different returns percentages, from Eurobonds to Treasury Bills, we have created a very competitive and responsive platform that allows you to easily choose how you would like to invest, based on each your personalized risk profile. Introducing the Digital Concierge Our digital concierge service is available 24/7 to answer any questions you may have and help with all your investment needs, from building and growing your investment portfolio, to funding your wallet, and so much more. Investment Advisors: Our investment advisors are available to make the most of your investments and actively manage your portfolio if required. Life Essentials: From cash and asset backed loans to personal travel allowance to setting up a will, we’ve created a bouquet of solutions to help you live your best life without compromising your wealth goals. Wealth Management: Enjoy exclusive products and services with our wealth management service. We offer a bespoke service with investment advisors available to manage your investments. Our wealth management proposition is strictly by invitation. Contact our Concierge for more information. NO deposit fees. NO monthly fees. Bank-level security. Welcome to M36 – the Freedom to Choose!
SeqoraVault
Securely organize and pass on important personal and financial information to loved ones. Plan your legacy with confidence, document wishes, and set up automated check-ins for beneficiary notification. Offers nominee access for designated individuals.
- Secure vault for financial, real estate, and digital identity storage
- Document personal wishes and instructions
- Automated check-in schedule for beneficiary notification
- Nominee access for designated beneficiaries
- Multi-factor authentication for account security
- Subscription plans for personal, family, and enterprise use
Read full descriptionHide full description
SeqoraVault helps you organise, protect, and pass on everything that matters, so your loved ones are never left guessing. Store your important information in one secure vault, including financial accounts, real estate, insurance policies, digital identities, health records, and business documents. Keep your assets organised and accessible whenever you need them. Plan ahead with confidence Document your personal wishes, including your will, power of attorney, funeral instructions, and letters to loved ones. Keep important instructions together so the people you trust can access them when they need them. Stay in control Set up a check-in schedule so SeqoraVault knows you are active. If you stop checking in according to your chosen settings, your nominated beneficiaries can be notified and, where applicable, given access to the information you have designated for them. Built for families Add nominees and control which assets they can access. Managing multiple members and shared arrangements is available exclusively on paid Family and Enterprise subscription plans. Secure by design Protect your account with multi-factor authentication using SMS, email, or an authenticator app. Your information is securely stored and remains under your control. Nominee access If you have been named as someone's nominee, use Nominee Mode to view the assets that have been designated for you and upload the required documentation to begin the release process. Subscriptions and 14-Day Free Trial (Paid Subscription Required) SeqoraVault requires a paid subscription to access any of its features following an initial 14-day free trial. Paid Subscription Required: All features within SeqoraVault including vault storage, automated check-ins, nominee sharing, and document uploads require an active paid subscription after the trial period ends. Plan Tiers: SeqoraVault offers Personal, Family, and Enterprise paid auto-renewable subscription plans. Feature availability varies by tier: multi-member management and shared arrangements require an upgraded Family or Enterprise subscription. 14-Day Free Trial: New users receive full access during a 14-day free trial. A paid subscription is required to continue using the app after the trial expires. Pricing & Terms: Pricing and subscription options are clearly displayed inside the app before purchase. Terms of Use: https://www.seqoravault.co.uk/terms Privacy Policy: https://www.seqoravault.co.uk/privacy
Screenshots
Verdict
The clearest difference is review sentiment: SeqoraVault at 100% against M36's 60%. M36's advantage is in-app purchases (none vs 2). On price, ads, device support and iOS requirement 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. SeqoraVault sells 2 in-app purchases, starting at $29.99 per year. M36 asks for nothing beyond the download.
| Parameter | M36 | SeqoraVault |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (7 ratings) — better | — |
| Positive reviews | 60.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 7 — better | — |
| Update frequency | Every 5 weeks | — |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Ad-supported — better | Subscription |
| Devices | iPhone | iPhone |
| Requires iOS | 16.3 — better | 16.4 |
| Further details — not scored | ||
| Size | 210 MB | 78 MB |
| Age rating | 17+ | 4+ |
| Developer | Union Bank of Nigeria Plc | SEQORAVAULT LTD |
Customer experience
M36
SeqoraVault
In-app purchases
M36
No in-app purchases
SeqoraVault
- Personal14 Days trial$29.991 Year
- Family14 Days trial$59.991 Year









