Comparison

Beam vs VaultsPay

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

Head to head
About

Beam

This app offers personalized deals and dollar rewards from local stores. Merchants can create targeted marketing campaigns to connect with specific customer profiles. It aims to help customers save money, businesses increase profits, and reduce waste.

Highlights
  • Personalized offers from stores
  • Earn rewards in dollars
  • Merchant campaign creation
  • Targeted offers to user profiles
  • Pay with your phone
  • 10% back on every spend
Features
Read full description

Beam is an innovative payments and marketing app and platform built for the 21st century. Beam allows users to access personalised offers from stores and earn rewards in dollars! For merchants, we’ve created a platform that turns payments into conversations; Beam allows merchants to create campaigns for specific user profiles, allowing merchants to match their offers with the right customer. Customers save money, businesses profit, and waste is a thing of the past. How Pay with your phone, get 10% back, on every spend, anywhere. Why → It’s easy Download the app for free and go. → It’s different 10% back on every spend. Always. → It’s BS-free Rewards in dollars, not inflated points. What you see is what you get. Note: Beam is currently available in Sydney, Australia and Lisbon, Portugal, and is no longer available in the UAE and Sweden. Continued use of GPS running in the background can dramatically decrease battery life.

About

VaultsPay

This app provides a digital wallet for seamless, cashless transactions in the UAE. It allows for instant wallet opening, virtual or physical card issuance, local fund transfers, and easy bill payments for residents and businesses.

Highlights
  • Instant digital wallet opening
  • Virtual and physical card issuance
  • Instant local fund transfers
  • Hassle-free bill payments
  • Secure financial tool
Features
Read full description

VaultsPay is a leading UAE-based fintech dedicated to delivering seamless, cashless transactions for residents and businesses. Transform your smartphone into a powerful financial tool with your own digital wallet. Key Features of your VaultsPay Wallet: - Instant Wallet Opening: Quickly open your secure personal or business digital wallet account. - Card Issuance: Issue virtual or physical cards instantly, linked directly to your VaultsPay account. - Local Transfers: Send and receive funds instantly for domestic payments across the UAE. - Hassle-Free Payments: Pay all your utilities, telecommunications, and other bill payments with a few taps. Our mission is to simplify your financial life. Built by fintech experts, VaultsPay provides a super customer experience, high security, and the convenience you deserve. We're regulated by the Central Bank of the UAE. Download VaultsPay today and join the future of finance in the UAE!

Screenshots

Beam4 screens
VaultsPay4 screens

Verdict

The call

The clearest difference is review sentiment: VaultsPay at 100% against Beam's 47%. VaultsPay also leads on update cadence (fortnightly vs every 4 months). Beam's advantage is iOS requirement (13.0 vs 16). On price, ads, in-app purchases and monetization model 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.

UpkeepUpdate frequency

Beam ships an update every 4 months, VaultsPay fortnightly. The most recent releases landed on October 1, 2026 and September 26, 2026 respectively.

Scorecard3 real differences · 7 level
Beam versus VaultsPay: the parameters behind the verdict, then further details
ParameterBeamVaultsPay
PriceFreeFree
Rating4.6 (808 ratings) — better—
Positive reviews46.9% of reviews100.0% of reviews — better
Number of ratings808 — better—
Update frequencyEvery 4 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better16
Further details — not scored
Size57 MB159 MB
Age rating4+4+
DeveloperGBC S.A.The vaults international payment llc

Customer experience

Beam

All ratings808 ratings
Positive90.2%
Neutral5.3%
Negative4.5%
Written reviews245 reviews
Positive46.9%
Neutral9.0%
Negative44.1%

VaultsPay

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Beam

Reported bugs

4 issues
  • App crashes on launch or during use
  • Payment transactions fail or get stuck
  • Account verification and card linking issues
  • Rewards and credits not properly tracked or applied

Requested features

5 requests
  • Expand merchant network and availability
  • Improve payment reliability and speed
  • Provide better customer support channels
  • Add Apple Watch support
  • Introduce more rewards and discounts

VaultsPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Beam

No in-app purchases

None

VaultsPay

No in-app purchases

Questions

Is Beam free?
Beam is free to download, with no in-app purchases.
Is VaultsPay free?
VaultsPay is free to download, with no in-app purchases.
Do Beam or VaultsPay have ads?
Neither Beam nor VaultsPay shows ads.
Which is updated more often, Beam or VaultsPay?
Beam ships an update every 4 months, and VaultsPay fortnightly. Most recently, Beam was updated on October 1, 2026 and VaultsPay on September 26, 2026.

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