# My Vault Card vs ShiftKey Wallet

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.

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.

## The numbers

| Metric | My Vault Card | ShiftKey Wallet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (6K ratings)](https://appshunter.io/ios/app/my-vault-card/id1610606827/reviews)** | [4.5 (128 ratings)](https://appshunter.io/ios/app/shiftkey-wallet/id6458781822/reviews) |
| Number of ratings | **6K** | 128 |
| Positive reviews | 27.0% of reviews | **33.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Fortnightly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 71 MB | 112 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Paycom Payroll, LLC](https://appshunter.io/developer/1207929486) | [Branch Messenger Inc.](https://appshunter.io/developer/977844194) |

## What reviewers say

### My Vault Card

[App page](https://appshunter.io/ios/app/my-vault-card/id1610606827)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 👍 User-friendly app
- 💡 Ability to get paid early
- 🔒 Secure account
- 📱 Simple and straightforward

**What reviewers complain about**

- 🐛 App crashes consistently
- 🤖 Poor customer service
- 💳 Withdrawal and transfer issues
- ⏱️ Delayed deposit of paychecks
- 🚫 Lack of key features like Zelle

**Reported bugs**

- Login issues and error messages
- Inability to access account and funds
- Inconsistent app performance

**Requested features**

- Improve app stability and reliability
- Enhance customer service experience
- Add more payment and transfer options
- Faster deposit of paychecks


### ShiftKey Wallet

[App page](https://appshunter.io/ios/app/shiftkey-wallet/id6458781822)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*