My Vault Card vs ShiftKey Wallet
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
My Vault Card
Manage your payroll card with this app designed for Paycom users. View deposits, transactions, and balances, set up alerts, and find ATMs. Easily add your card to your mobile wallet for secure transactions and access financial education resources.
- Account balance and transaction overview
- Automated push, SMS, and email alerts
- Direct deposit information viewing
- Digital card view for online purchases
- ATM and cash reload location finder
- Mobile wallet integration
- Card suspension feature
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Expressly for employees who already use Paycom’s HR and payroll technology solutions at work and have enrolled for the Vault Visa® Payroll Card through Paycom’s Employee Self-Service®. MANAGE YOUR VAULT CARD Set up your My Vault Card App to unlock features such as: • an overview of your deposits, transactions and account balance • automated push notifications, SMS alerts and email messages to help you stay on top of your money (Message and data rates may apply.) • view your direct deposit information so that you may have money from a part-time job or government benefits deposited to your Vault card • a digital view of your physical Vault card for easier online purchases • a locator to easily find a surcharge free† ATM within the Allpoint® network or a Green Dot® cash reload* location near you EASILY ENABLE YOUR MOBILE WALLET With a single press, add the Vault card to your mobile wallet and enjoy secure mobile transactions with minimal contact. TRUE FINANCIAL CONTROL The My Vault Card app empowers you to manage and protect your finances in a way tailored to fit your lifestyle through: • the ability to easily suspend your Vault card should it be temporarily misplaced • an extensive library of money management courses and tips from Visa’s Practical Money Skills program • access to Visa’s exclusive offers and perks *Third-party fees, limits and restrictions may apply to cash reloads. †See app or visit myvaultcard.com for surcharge-free Allpoint ATM locations. Fees apply for out-of-network withdrawals. See your Cardholder Agreement for full list of applicable fees for your card. ATM limits apply. This card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. The Bancorp Bank, N.A., Member FDIC. ©2022 Green Dot Corporation. Green Dot is a registered trademark of Green Dot Corporation.
ShiftKey Wallet
Access your earnings instantly with a digital debit card and business account. Manage your budget, pay bills, and save with FDIC-backed security. Enjoy financial flexibility and earn cash back rewards on purchases.
- Instant payment access
- Digital debit card
- Business account
- FDIC-backed security
- Cash back rewards
- ATM withdrawals
- Budget management
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ShiftKey users: Get paid instantly¹ and take control of your finances with ShiftKey Wallet, powered by Branch. Instant Access to Payments¹ Money lands in your account moments after your invoice is approved.¹ You get a digital debit card and business account⁴, without the hassle of minimum balances, credit checks, or monthly account fees. FDIC-backed Security Your hard-earned money is protected, thanks to FDIC deposit insurance from Evolve Bank & Trust. Financial Flexibility Make payments using your Mastercard debit card, or connect your digital card directly to Apple Pay. You can also link to your favorite apps, like Venmo and PayPal. With ShiftKey Wallet, you can: • Easily manage your budget, pay bills, and achieve savings goals • Earn cash back rewards for everyday purchases • Use your ShiftKey Card wherever Mastercard is accepted⁴ • Easily withdraw cash at any of the 55,000+ ATMs in the Allpoint Network² • Transfer money to another bank account or debit card³ Start your account setup in the ShiftKey App. Disclosures ¹ Timing of payments may vary based on invoice approvals and are subject to a $2.95 fee per payment from ShiftKey. Manual review of an invoice usually takes less than 24 hours but can take up to a week. Once your invoice is approved, we can start processing your payment. ² There are no in-network ATM fees for the first 8 transactions per month. A $2 ATM fee will apply for any in-network ATM withdrawal after the eighth transaction within any given month. ³ There is no cost to use the ShiftKey Wallet app or debit card. However, you may incur a small fee if you choose to instantly transfer your funds to an external debit card or account. ⁴ Banking services are provided by Evolve Bank & Trust, Member FDIC. ShiftKey Wallet, powered by Branch, is a Mastercard business debit card and account issued by Evolve Bank & Trust, pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted subject to certain restrictions, local laws, and regulations.
Screenshots
Verdict
The clearest difference is update cadence: ShiftKey Wallet at fortnightly against My Vault Card's every 7 months. My Vault Card's advantage is monetization model (free vs free with in-app purchases) and ratings volume (6K vs 128). On price, rating, review sentiment and ads 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. Neither carries in-app purchases, so what you see is what you pay.
My Vault Card holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: My Vault Card has 6K ratings behind it against 128, so its average is the more settled of the two. Written reviews complicate that: 27% of My Vault Card's written reviews are positive against 33% of ShiftKey Wallet's, so the app with the better star average is not the one people write more warmly about.
My Vault Card ships an update every 7 months, ShiftKey Wallet fortnightly. Both last shipped on November 7, 2026.
| Parameter | My Vault Card | ShiftKey Wallet |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (6K ratings) — better | 4.5 (128 ratings) |
| Positive reviews | 27.0% of reviews | 33.3% of reviews — better |
| Number of ratings | 6K — better | 128 |
| Update frequency | Every 7 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 71 MB | 112 MB |
| Age rating | 4+ | 4+ |
| Developer | Paycom Payroll, LLC | Branch Messenger Inc. |
Customer experience
My Vault Card
ShiftKey Wallet
Bugs and requests
My Vault Card
Reported bugs
3 issues- Login issues and error messages
- Inability to access account and funds
- Inconsistent app performance
Requested features
4 requests- Improve app stability and reliability
- Enhance customer service experience
- Add more payment and transfer options
- Faster deposit of paychecks
ShiftKey Wallet
Not enough reviews yet to summarise bugs or requests.
In-app purchases
My Vault Card
No in-app purchases
ShiftKey Wallet
No in-app purchases
Questions
Is My Vault Card free?
Is ShiftKey Wallet free?
Which has better reviews, My Vault Card or ShiftKey Wallet?
Do My Vault Card or ShiftKey Wallet have ads?
Which is updated more often, My Vault Card or ShiftKey Wallet?
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