UnLock vs KVB Universal Cards
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
UnLock
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UnLock. Trade on your own terms. Doing business? Buy now, pay later. If you have trade accounts with suppliers, they usually come with strings attached: β’ paying on their terms β’ being βlocked-inβ with these suppliers β’ paying invoices from multiple suppliers is an admin headache. With UnLock you can: * Pay when you want to β say goodbye to βpayable within 30 daysβ. You decide your own payment terms. * Choose from a huge range of suppliers β buy in-store or online from any supplier that accepts Mastercard. Itβs like having a trade account with everyone. * One payment pays all your bills β when using the UnLock Mastercard, pay all your suppliers with just one monthly payment; quick and easy. * Everything in one account - no matter how many of your staff are buying things, you pay for all the purchases from one account; managing your books is easy. * Pay only for what you use - no monthly fees, no application fees, no annual fees. You only pay a transaction fee if you make a transaction.
KVB Universal Cards
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The KVB card app for managing your corporate cards - KVB Universal Cards are available as virtual cards allowing users to make payments in multiple foreign currencies from held balances. Cardholders can use the cards for paying goods and services online, while enjoying card rewards on your transactions. CONVENIENT CARD CONTROLS Instant access to your virtual corporate card details and balances enables you to make your online purchase with no delay. LOW TRANSACTION FEES KVB offers excellent rates in 5 major currencies including AUD, EUR, GBP, HKD and USD. You can pay bills in other currencies supported by Visa anytime as well. VISIBLE EXPENSE MANAGEMENT Track and trace every transaction made by your corporate cards and manage spending at a glance. This app requires your business to sign up with GCFX Business Account.
Screenshots
Verdict
The clearest difference is ads: UnLock at none against KVB Universal Cards's shown. KVB Universal Cards's advantage is update cadence (every 2 months vs every 11 months). On price, in-app purchases, device support and iOS requirement there is nothing between them.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
UnLock ships an update every 11 months, KVB Universal Cards every 2 months. The most recent releases landed on September 15, 2026 and September 18, 2026 respectively.
| Parameter | UnLock | KVB Universal Cards |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 11 months | Every 2 months β better |
| Ads | No β better | Yes |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPad, iPod β better |
| Requires iOS | 15.0 | 14.0 β better |
| Further details β not scored | ||
| Size | 54 MB | 46 MB |
| Age rating | 4+ | 4+ |
| Developer | Marketlend Pty Ltd | KVB GLOBAL MARKETS LIMITED |
In-app purchases
UnLock
No in-app purchases
KVB Universal Cards
No in-app purchases









