Comparison

Neptune nVAULT vs Kashpay

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

Head to head
About

Neptune nVAULT

Features
Read full description

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

Kashpay

Features
Read full description

Kaspay provides easy access to personal banking solutions that enables people to send and receive money instantly, pay bills with ease and purchase airtime credit easily. Kashpay is the best banking solution for your banking needs. Enjoy instant transfers, receive money, send money, buy airtime and data, pay for cable subscription and Electricity

Screenshots

Neptune nVAULT4 screens
Kashpay4 screens

Verdict

The call

The clearest difference is update cadence: Neptune nVAULT at every 2 weeks against Kashpay's every 9 months. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· 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, Kashpay every 9 months. The most recent releases landed on September 11, 2026 and September 16, 2026 respectively.

Scorecard1 real difference Β· 5 level
Neptune nVAULT versus Kashpay: the parameters behind the verdict, then further details
ParameterNeptune nVAULTKashpay
PriceFreeFree
Update frequencyEvery 2 weeks β€” betterEvery 9 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.013.0
Further details β€” not scored
Size92 MB32 MB
Age rating17+4+
DeveloperNEPTUNE MICROFINANCE BANK LIMITEDCashbridge Microfinance Bank

In-app purchases

None

Neptune nVAULT

No in-app purchases

None

Kashpay

No in-app purchases

Questions

Is Neptune nVAULT free?
Neptune nVAULT is free to download, with no in-app purchases.
Is Kashpay free?
Kashpay is free to download, with no in-app purchases.
Do Neptune nVAULT or Kashpay have ads?
Neither Neptune nVAULT nor Kashpay shows ads.
Which is updated more often, Neptune nVAULT or Kashpay?
Neptune nVAULT ships an update every 2 weeks, and Kashpay every 9 months. Most recently, Neptune nVAULT was updated on September 11, 2026 and Kashpay on September 16, 2026.

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