Comparison

Neptune nVAULT vs Cleva App

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

Head to head
About

Neptune nVAULT

Features
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nVAULT is a product of Neptune Microfinance Bank, licensed by Central Bank of Nigeria. It is a financial application that provides top notch digital payment, savings, and investment services. With nVAULT, you can open an account in minutes, request for debit card and do your savings and investment transactions without visiting a branch. You can exercise the freedom of opening more than one account. Business account and more regular savings account can be added to your portfolio of accounts seamlessly. My child account is available for kiddies as an add-on account to the parent account. There are other range of features such as wealth plan, request for POS, cards, payment link which you can send to friends and business associates to receive payments directly into your account and cash deposit using any of our partner banks’ branches and the money reflects in your account within minutes of transaction. With nVAULT, you can open an account in minutes, request for debit card and do your savings and investment transactions without visiting a branch. You can exercise the freedom of opening more than one account. Business account and more regular savings account can be added to your portfolio of accounts seamlessly. My child account is available for kiddies as an add-on account to the parent account. There are other range of features such as wealth plan, request for POS, cards, payment link which you can send to friends and business associates to receive payments directly into your account and cash deposit using any of our partner banks’ branches and the money reflects in your account within minutes of transaction. nVAULT is an ecosystem that serves as one-stop-shop for financial products. To this end, the application in addition to the various features stated herein provides users with shopfront, P&L accounting module, Invoicing, Transaction Analytics, and other unique features that supply the required business tools for small and medium scale enterprises. Your money is safe and secure with us as we have taken extra measures to ensure you are covered against fraud. Amongst many security features implemented, you can also exercise the freedom of controlling your card by freezing and unfreezing your card in the nVAULT APP. In addition, just like any other Bank in Nigeria, your money is protected by the Nigeria Deposit Insurance Corporation (NDIC). Talking to us when the need arises is very easy. Our chat bot, LUCY- your buddy offers 24/7 customer service support and will help you sort out any issue and navigate the app seamlessly. Download the nVAULT APP today and enjoy amazing digital payment, savings, and investment services.

About

Cleva App

Manage your money globally with this app. Send and receive funds internationally, hold USD, and spend online with a virtual card. Earn rewards and refer friends for extra benefits.

Highlights
  • Send money internationally
  • Receive USD payments
  • Receive stablecoins
  • Convert currencies
  • Virtual USD card
  • Hold funds in USD
  • Earn Cleva Points
Features
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On Cleva, your money has no boundaries. Here’s why over 1M people trust Cleva: 1. Swift onboarding 2. Competitive exchange rates 3. Transparent pricing, no hidden or monthly fees 4. Fast, reliable, and secure experience Send money across borders Instantly transfer to family and friends in Nigeria, Ghana, Uganda, and other African countries. Just add a destination bank or mobile money account, verify the account details, initiate your transfer, and watch the money get delivered immediately. Receive USD payments Whether you’re a freelancer, remote worker, content creator, or entrepreneur, receive ACH and Wires from your employer and clients without hassle. Receive stablecoins with ease Receive USDT or USDC into your Cleva wallet in minutes, giving you more ways to fund and grow your money. Transfer to friends on Cleva Instantly transfer to your friends on Cleva for FREE. Convert at the best rates Instantly convert currencies at very competitive exchange rates. Even better, there are no fees to convert, it’s completely FREE. Spend globally with a virtual USD card Pay for international subscriptions, shop online, or make global payments easily with your Cleva USD card. Protect your money from volatility Save and hold your funds in USD. Exchange only when you want to, at the best rates. Earn and redeem Cleva Points Get rewarded every time you transact! Earn points when you transfer or receive a deposit, then redeem your points for USD and more. Refer and earn Invite your friends and earn when they transact on Cleva. The more friends you refer, the more you earn, and you can keep earning infinitely. 24/7 Support Cleva is always available to assist 24/7 whenever you need assistance. You can reach us via in-app chat or email at contact@getcleva.com. You can also reach us on our social media channels: Twitter: @clevabanking Instagram: @clevabanking Linkedin: @cleva-banking [:mav: 2.4.5]

Screenshots

Neptune nVAULT4 screens
Cleva App4 screens

Verdict

The call

The clearest difference is iOS requirement: Neptune nVAULT at 13.0 against Cleva App's 15. 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.

UpkeepUpdate frequency

Neptune nVAULT ships an update every 2 weeks, Cleva App every 9 days. The most recent releases landed on October 25, 2026 and October 27, 2026 respectively.

Scorecard1 real difference · 9 level
Neptune nVAULT versus Cleva App: the parameters behind the verdict, then further details
ParameterNeptune nVAULTCleva App
PriceFreeFree
Rating—4.7 (1.5K ratings) — better
Positive reviews—59.2% of reviews
Number of ratings—1.5K — better
Update frequencyEvery 2 weeksEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15
Further details — not scored
Size92 MB220 MB
Age rating17+4+
DeveloperNEPTUNE MICROFINANCE BANK LIMITEDCleva Technologies, Inc.

Bugs and requests

Neptune nVAULT

Not enough reviews yet to summarise bugs or requests.

Cleva App

Reported bugs

3 issues
  • Rejected transactions with new bank partner
  • Delayed or missing fund transfers
  • Inability to access old account numbers

Requested features

4 requests
  • Reinstate Wells Fargo bank integration
  • Add support for international wire transfers
  • Introduce push notifications for account credits
  • Enable withdrawal from virtual cards

In-app purchases

None

Neptune nVAULT

No in-app purchases

None

Cleva App

No in-app purchases

Questions

Is Neptune nVAULT free?
Neptune nVAULT is free to download, with no in-app purchases.
Is Cleva App free?
Cleva App is free to download, with no in-app purchases.
Do Neptune nVAULT or Cleva App have ads?
Neither Neptune nVAULT nor Cleva App shows ads.
Which is updated more often, Neptune nVAULT or Cleva App?
Neptune nVAULT ships an update every 2 weeks, and Cleva App every 9 days. Most recently, Neptune nVAULT was updated on October 25, 2026 and Cleva App on October 27, 2026.

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