# PWC EFCU vs CardValet

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.

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

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.

PWC EFCU ships an update every 5 months, CardValet every 4 months. The most recent releases landed on October 23, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | PWC EFCU | CardValet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (4 ratings)](https://appshunter.io/ios/app/pwc-efcu/id600145364/reviews) | **[4.6 (19K ratings)](https://appshunter.io/ios/app/cardvalet/id849898083/reviews)** |
| Number of ratings | 4 | **19K** |
| Positive reviews | **33.3% of reviews** | 18.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 4 months** |
| Monetization | Free | Free |
| Size | 33 MB | 86 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PWC EMPLOYEES CREDIT UNION](https://appshunter.io/developer/1530447756) | [Fiserv, Inc](https://appshunter.io/developer/386678214) |

## What reviewers say

### PWC EFCU

[App page](https://appshunter.io/ios/app/pwc-efcu/id600145364)

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:** macOS Compatibility

**In-app purchases:** none


### CardValet

[App page](https://appshunter.io/ios/app/cardvalet/id849898083)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Real-time transaction alerts
- 🔒 Ability to lock/unlock card
- 💡 Customizable spending limits
- 👍 Convenient card management

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Unreliable connectivity
- 🐛 Disappearing transaction history
- 👎 Reduced functionality after updates

**Reported bugs**

- Unable to reset password
- Inconsistent account syncing
- Repeated 'too many devices' errors

**Requested features**

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


## Frequently asked 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 25, 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.*