Comparison

UnLock vs KVB Universal Cards

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

Head to head
About

UnLock

Features
Read full description

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 β€˜locked-in’ with these suppliers β€’ paying invoices from multiple suppliers is an admin headache. With UnLock you can: * Pay when you want to – say goodbye to β€˜payable within 30 days’. You decide your own payment terms. * Choose from a huge range of suppliers – buy in-store or online from any supplier that accepts Mastercard. It’s like having a trade account with everyone. * One payment pays all your bills – 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.

About

KVB Universal Cards

Features
Read full description

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

UnLock2 screens
KVB Universal Cards3 screens

Verdict

The call

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

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

UpkeepUpdate frequency

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.

Scorecard2 real differences Β· 4 level
UnLock versus KVB Universal Cards: the parameters behind the verdict, then further details
ParameterUnLockKVB Universal Cards
PriceFreeFree
Update frequencyEvery 11 monthsEvery 2 months β€” better
AdsNo β€” betterYes
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad, iPod β€” better
Requires iOS15.014.0 β€” better
Further details β€” not scored
Size54 MB46 MB
Age rating4+4+
DeveloperMarketlend Pty LtdKVB GLOBAL MARKETS LIMITED

In-app purchases

None

UnLock

No in-app purchases

None

KVB Universal Cards

No in-app purchases

Questions

Is UnLock free?
UnLock is free to download, with no in-app purchases.
Is KVB Universal Cards free?
KVB Universal Cards is free to download, with no in-app purchases.
Do UnLock or KVB Universal Cards have ads?
KVB Universal Cards shows ads; UnLock does not.
Which is updated more often, UnLock or KVB Universal Cards?
UnLock ships an update every 11 months, and KVB Universal Cards every 2 months. Most recently, UnLock was updated on September 15, 2026 and KVB Universal Cards on September 18, 2026.

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