Comparison

My Vault Card vs ShiftKey Wallet

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

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.

Highlights
  • Instant payment access
  • Digital debit card
  • Business account
  • FDIC-backed security
  • Cash back rewards
  • ATM withdrawals
  • Budget management
Features
Read full description

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

My Vault Card4 screens
ShiftKey Wallet4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

My Vault Card ships an update every 7 months, ShiftKey Wallet fortnightly. Both last shipped on November 7, 2026.

Scorecard4 real differences · 6 level
My Vault Card versus ShiftKey Wallet: the parameters behind the verdict, then further details
ParameterMy Vault CardShiftKey Wallet
PriceFreeFree
Rating4.7 (6K ratings) — better4.5 (128 ratings)
Positive reviews27.0% of reviews33.3% of reviews — better
Number of ratings6K — better128
Update frequencyEvery 7 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better17.0
Further details — not scored
Size71 MB112 MB
Age rating4+4+
DeveloperPaycom Payroll, LLCBranch Messenger Inc.

Customer experience

My Vault Card

All ratings5,704 ratings
Positive93.4%
Neutral2.1%
Negative4.5%
Written reviews89 reviews
Positive27.0%
Neutral3.4%
Negative69.7%

ShiftKey Wallet

All ratings124 ratings
Positive87.9%
Neutral0.8%
Negative11.3%
Written reviews12 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

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

None

My Vault Card

No in-app purchases

None

ShiftKey Wallet

No in-app purchases

Questions

Is My Vault Card free?
My Vault Card is free to download, with no in-app purchases.
Is ShiftKey Wallet free?
ShiftKey Wallet is free to download, with no in-app purchases.
Which has better reviews, My Vault Card or ShiftKey Wallet?
My Vault Card is rated higher. My Vault Card averages 4.7 out of 5 from 6K ratings, while ShiftKey Wallet averages 4.5 from 128 ratings.
Do My Vault Card or ShiftKey Wallet have ads?
Neither My Vault Card nor ShiftKey Wallet shows ads.
Which is updated more often, My Vault Card or ShiftKey Wallet?
My Vault Card ships an update every 7 months, and ShiftKey Wallet fortnightly. Most recently, My Vault Card was updated on November 7, 2026 and ShiftKey Wallet on November 7, 2026.

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