Comparison

VaultsPay vs NaqaD by Kamelpay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

VaultsPay

This app provides a digital wallet for seamless, cashless transactions in the UAE. It allows for instant wallet opening, virtual or physical card issuance, local fund transfers, and easy bill payments for residents and businesses.

Highlights
  • Instant digital wallet opening
  • Virtual and physical card issuance
  • Instant local fund transfers
  • Hassle-free bill payments
  • Secure financial tool
Features
Read full description

VaultsPay is a leading UAE-based fintech dedicated to delivering seamless, cashless transactions for residents and businesses. Transform your smartphone into a powerful financial tool with your own digital wallet. Key Features of your VaultsPay Wallet: - Instant Wallet Opening: Quickly open your secure personal or business digital wallet account. - Card Issuance: Issue virtual or physical cards instantly, linked directly to your VaultsPay account. - Local Transfers: Send and receive funds instantly for domestic payments across the UAE. - Hassle-Free Payments: Pay all your utilities, telecommunications, and other bill payments with a few taps. Our mission is to simplify your financial life. Built by fintech experts, VaultsPay provides a super customer experience, high security, and the convenience you deserve. We're regulated by the Central Bank of the UAE. Download VaultsPay today and join the future of finance in the UAE!

About

NaqaD by Kamelpay

This app offers digital payment services for employees, facilitating payroll needs for low-income workers. It enables secure money transfers, bill payments, and online transactions, with a dashboard to monitor finances and access transaction history.

Highlights
  • Digital payment services
  • Money remittance
  • Bill payments
  • Online transactions
  • Financial dashboard
  • Transaction history
Features
Read full description

Kamelpay is the leading fintech company based in the UAE. It is a perfect partner for corporations for quick payment solutions that helps businesses to cater to all the payroll needs of low-income employees. The application provides employees with digital payment services and has the following benefits ● Send money remittance ● Secure Processing of transaction ● Mobile Top-ups ● Pay your bills ● Make online transactions with ease. ● Keep a close eye on your finances through the application dashboard. ● Get transaction history without any overhead charges ● Digital financial solutions Core Products Of Kamelpay Kamelpay core products include a WPS based payroll prepaid card and a corporate expense prepaid card PayD Card - One-Window Payroll Solution Kamelpay’s PayD card is perfect for companies to pay their low-income employees in compliance with WPS UAE regulations. ● Timely electronic salary disbursement. ● EMV-Compliant Mastercard prepaid card. ● Secures Salary Transferring Method ● 24x7 access to funds via ATM, POS, and e-commerce purchases. ● Convenient Salary Receiving Method ● Send Remittance In UAE Kamelpay has a solution for a payroll management system within the UAE! The PayD card of Kamelpay is just the right partner the business and employees are looking for! These cards are easy to get and are also known to speed up the salary payout management in UAE! Many companies are stressed about providing the monthly wages of their employees on the same day! But doing this is not easy! Centiv Card - Corporate Payment Made Easy Our Centiv Card enables companies to switch low-value corporate expenses and reduce cash-handling operations. Also, this card works according to the Wage Protection System of the UAE. ● Higher load limits for expense management. ● Ideal solution for incentives, commissions, and rebates. ● Eliminate the need for cash and reimbursements. ● Eases the cash handling ● Tailored reports for periodic reconciliation

Screenshots

VaultsPay4 screens
NaqaD by Kamelpay4 screens

Verdict

The call

The clearest difference is ads: VaultsPay at none against NaqaD by Kamelpay's shown. VaultsPay also leads on update cadence (every 5 days vs monthly) and monetization model (free vs ad-supported). On price, review sentiment, 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

VaultsPay ships an update every 5 days, NaqaD by Kamelpay monthly. The most recent releases landed on October 27, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
VaultsPay versus NaqaD by Kamelpay: the parameters behind the verdict, then further details
ParameterVaultsPayNaqaD by Kamelpay
PriceFreeFree
Rating—4.4 (180 ratings) — better
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings—180 — better
Update frequencyEvery 5 days — betterMonthly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS1615.6 — better
Further details — not scored
Size162 MB143 MB
Age rating4+4+
DeveloperThe vaults international payment llcH A Q KAMEL PAY SERVICES L.L.C

Customer experience

VaultsPay

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

NaqaD by Kamelpay

All ratings175 ratings
Positive84.6%
Neutral5.1%
Negative10.3%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

VaultsPay

No in-app purchases

None

NaqaD by Kamelpay

No in-app purchases

Questions

Is VaultsPay free?
VaultsPay is free to download, with no in-app purchases.
Is NaqaD by Kamelpay free?
NaqaD by Kamelpay is free to download, with no in-app purchases.
Do VaultsPay or NaqaD by Kamelpay have ads?
NaqaD by Kamelpay shows ads; VaultsPay does not.
Which is updated more often, VaultsPay or NaqaD by Kamelpay?
VaultsPay ships an update every 5 days, and NaqaD by Kamelpay monthly. Most recently, VaultsPay was updated on October 27, 2026 and NaqaD by Kamelpay on November 3, 2026.

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