# ShiftKey Wallet vs My Vault Card Plus

The clearest difference is rating: ShiftKey Wallet at 4.5 against My Vault Card Plus's 1.6. ShiftKey Wallet also leads on review sentiment (33% vs 14%) and update cadence (fortnightly vs every 2 months). My Vault Card Plus's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support there is nothing between them.

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

ShiftKey Wallet holds the better App Store score, 4.5 against 1.6. Both are backed by a comparable volume of ratings — 127 and 39 respectively. Written reviews point the same way: 33% of ShiftKey Wallet's written reviews are positive against 14% of My Vault Card Plus's.

ShiftKey Wallet ships an update fortnightly, My Vault Card Plus every 2 months. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | ShiftKey Wallet | My Vault Card Plus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (127 ratings)](https://appshunter.io/ios/app/shiftkey-wallet/id6458781822/reviews)** | [1.6 (39 ratings)](https://appshunter.io/ios/app/my-vault-card-plus/id6751352274/reviews) |
| Number of ratings | **127** | 39 |
| Positive reviews | **33.3% of reviews** | 14.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 112 MB | 19 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [Branch Messenger Inc.](https://appshunter.io/developer/977844194) | [payfare Inc.](https://appshunter.io/developer/942956730) |

## What reviewers say

### ShiftKey Wallet

[App page](https://appshunter.io/ios/app/shiftkey-wallet/id6458781822)

Access your earnings instantly with a digital debit card and business account. Manage your budget, pay bills, and save with FDIC-backed security. Enjoy financial flexibility and earn cash back rewards on purchases.

**Highlights:** Instant payment access, Digital debit card, Business account, FDIC-backed security, Cash back rewards, ATM withdrawals, Budget management

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### My Vault Card Plus

[App page](https://appshunter.io/ios/app/my-vault-card-plus/id6751352274)

Manage your Vault Visa® Payroll Card on the go. Check balances, review transactions, and add your card to mobile payment services for secure spending. Easily find nearby ATMs for cash access.

**Highlights:** Check account balance, Review transaction history, Add card to Apple Pay/Google Pay, Find nearby ATMs, Secure card management

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is ShiftKey Wallet free?

ShiftKey Wallet is free to download, with no in-app purchases.

### Is My Vault Card Plus free?

My Vault Card Plus is free to download, with no in-app purchases.

### Which has better reviews, ShiftKey Wallet or My Vault Card Plus?

ShiftKey Wallet is rated higher. ShiftKey Wallet averages 4.5 out of 5 from 127 ratings, while My Vault Card Plus averages 1.6 from 39 ratings.

### Do ShiftKey Wallet or My Vault Card Plus have ads?

Neither ShiftKey Wallet nor My Vault Card Plus shows ads.

### Which is updated more often, ShiftKey Wallet or My Vault Card Plus?

ShiftKey Wallet ships an update fortnightly, and My Vault Card Plus every 2 months. Most recently, ShiftKey Wallet was updated on November 3, 2026 and My Vault Card Plus on November 5, 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.*