Comparison

PWC EFCU vs CardValet

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

Head to head
About

PWC EFCU

Manage your finances on the go. Check account balances, transfer funds, make loan payments, and locate ATMs. This app provides convenient access to your credit union services.

Highlights
  • Check account balances
  • Transfer funds between accounts
  • Make loan payments
  • Find ATM locations
  • Access credit union services
Features
Read full description

Check account balances, make transfers between accounts, make loan payments, find an ATM, and much more!

About

CardValet

Take full control of your debit and credit cards with instant on/off toggles, spending limits, and location-based restrictions. Receive real-time alerts for all transactions, monitor purchases, and manage your cards digitally from your smartphone.

Highlights
  • Turn cards on/off instantly
  • Set spending limits
  • Restrict usage by location
  • Control merchant categories
  • Receive real-time transaction alerts
  • View purchase history
  • Activate cards and set PIN
Features
Read full description

NOTE: This application is powered by Fiserv, Inc. but is activated through specific financial institutions. Check with your financial institution to ensure they participate in CardValet prior to downloading. CardValet helps you efficiently manage your cards digitally. TAKE CONTROL Stay in control of your card. Turn your card ON/OFF, set spending limits, decide where, when and how your card can be used. - Set card to be on or off in an instant, restricting whether it can be used or not - Restrict your card purchases to specific locations (merchants located within a certain range of your phone or select city, state, country or zip code on an expandable interactive map - Select merchant categories (Restaurant, Travel, Entertainment etc.) and transaction types (Instore, eCommerce, ATM etc.) to control purchases on your card - Enable or disable international transactions - Establish spending limits to allow transactions up to a certain dollar value and decline transactions when amounts exceed the thresholds set by you BE ALERT Receive real time alerts on all purchases, select purchases or when a card transaction is attempted but declined. Customize your alert preferences and get notified as per your choice. Alerts are sent in real time, immediately after a transaction has taken place, and help you quickly detect unauthorized activity on your card. VIEW YOUR CARD PURCHASE View your purchases, add memos and tag your purchases for easy tracking. DO IT YOURSELF Mange your card at your fingertips. Activate your card, set card PIN or report your lost/stolen cards seamlessly by making a call from the App. Key Benefits - Receive alerts to monitor transactions and help protect from fraud Actively manage your money and take charge of your card usage - Remotely control and monitor children’s spending - Helps ensure business spending policy compliance

Screenshots

PWC EFCU4 screens
CardValet4 screens

Verdict

The call

The clearest difference is rating: CardValet at 4.6 against PWC EFCU's 2.0. CardValet also leads on ratings volume (19K vs 4). PWC EFCU's advantage is review sentiment (33% vs 19%). On price, update cadence, ads and in-app purchases 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

CardValet holds the better App Store score, 4.6 against 2.0. That said, the two scores are not equally well evidenced: CardValet has 19K ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 33% of PWC EFCU's written reviews are positive against 19% of CardValet's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

PWC EFCU ships an update every 5 months, CardValet every 4 months. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
PWC EFCU versus CardValet: the parameters behind the verdict, then further details
ParameterPWC EFCUCardValet
PriceFreeFree
Rating2.0 (4 ratings)4.6 (19K ratings) — better
Positive reviews33.3% of reviews — better18.8% of reviews
Number of ratings419K — better
Update frequencyEvery 5 monthsEvery 4 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size33 MB86 MB
Age rating4+4+
DeveloperPWC EMPLOYEES CREDIT UNIONFiserv, Inc

Customer experience

PWC EFCU

All ratings4 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews3 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

CardValet

All ratings18,753 ratings
Positive89.9%
Neutral3.1%
Negative7.0%
Written reviews133 reviews
Positive18.8%
Neutral12.8%
Negative68.4%

Bugs and requests

PWC EFCU

Not enough reviews yet to summarise bugs or requests.

CardValet

Reported bugs

3 issues
  • Unable to reset password
  • Inconsistent account syncing
  • Repeated 'too many devices' errors

Requested features

4 requests
  • Balance and spending overview
  • Fingerprint/biometric login
  • Ability to add multiple cards
  • Improved notification system

In-app purchases

None

PWC EFCU

No in-app purchases

None

CardValet

No in-app purchases

Questions

Is PWC EFCU free?
PWC EFCU is free to download, with no in-app purchases.
Is CardValet free?
CardValet is free to download, with no in-app purchases.
Which has better reviews, PWC EFCU or CardValet?
CardValet is rated higher. PWC EFCU averages 2.0 out of 5 from 4 ratings, while CardValet averages 4.6 from 19K ratings.
Do PWC EFCU or CardValet have ads?
Neither PWC EFCU nor CardValet shows ads.
Which is updated more often, PWC EFCU or CardValet?
PWC EFCU ships an update every 5 months, and CardValet every 4 months. Most recently, PWC EFCU was updated on October 23, 2026 and CardValet on October 24, 2026.

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