Comparison

Deem vs Vault

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

Head to head
About

Deem

Manage your credit card and personal loans with this intuitive app. Apply for new credit cards, track benefits and rewards, and access customer support. Enjoy a secure and convenient digital financial experience.

Highlights
  • Manage credit card and personal loans
  • Apply for new credit cards
  • Access benefits and rewards
  • Receive customer support
  • Secure financial data management
Features
Read full description

Introducing the all-new Deem Mobile App, a new digital experience to effortlessly manage your Deem Credit Card or Personal Loan. We've completely transformed the way you engage with your finances, delivering an unparalleled & intuitive user experience, with access to a wider range of Deem products and services. Features: Take Control: Seamlessly manage and control your finances with a few taps. You're in charge. Effortless Credit Card Applications: New customers can effortlessly apply for credit cards directly through the app, streamlining the onboarding process. Unlock a world of possibilities at your fingertips. All-in-One Hub: Access all your benefits and rewards in one place, making your financial experience truly comprehensive. Exceptional Customer Support: Our app is designed to provide help when you need it, ensuring you're never alone on your financial journey. Top-tier Security: Your financial data's security is our utmost priority. With state-of-the-art security measures, your information is safeguarded like never before. Download the new Deem Mobile App today and take hold of your financial future. Immerse yourself in the convenience, efficiency, and unwavering reliability of a financial companion that prioritizes your needs. Your path to an effortless digital experience is just a download away.

About

Vault

This app provides high-net-worth individuals with access to personalized wealth management guidance and investment opportunities. It offers a dedicated financial advisor, diversified portfolios, and exclusive access to private market investments.

Highlights
  • Personalized financial advisor
  • Diversified investment portfolios
  • Private market opportunities
  • Shariah compliant portfolios
  • 3.72% APY on idle cash
  • Secure custodian (Interactive Brokers)
Features
Read full description

Vault is UAE's first digitally-enabled private wealth management app for high-net-worth individuals. With Vault, you get access to personalized guidance from a dedicated financial advisor who's incentivized to put your best interests first, along with a suite of investment opportunities ranging from customizable diversified portfolios of equities and bonds, to private market opportunities* such as private equity and venture capital. Why Vault? Advice from experienced professionals: Our advisors combine the best of financial planning, asset allocation, tax advice, and investment banking. Each of our advisors are a true fiduciary - we not only prioritize your best interests but we're also bound by regulatory obligations and incentivized by them. Our advisors take the time to understand your current circumstances, identify and align on what your financial goals are (whether it's wealth preservation, education, retirement, or estate planning), create a plan to help you achieve your financial goals, and regularly monitor progress, adapt, and offer ongoing support. A custodian you can trust: When placing your money with a custodian, you need to make sure your custodian is secure and can endure through good and bad times. That’s why we chose Interactive Brokers. Your offshore account is opened directly in your name with the Custody Bank & Broker, Interactive Brokers. Your assets are protected by both the SIPC and the US FDIC. Invest with diversification at the core: At Vault, our investment methodology blends diversified portfolios of global equities and bonds, thematic investing (such as AI and sustainable energy), and private market strategies (such as private equity and venture capital) to safeguard and grow your wealth. For investors that would like to invest within the Islamic principles, we have created diversified portfolios with different allocations that are Shariah compliant. Earn 3.72%* on your idle cash with SmartCash: You earn interest each day your deposit is active with the ability to withdraw at any time. You can earn a competitive return without the pressure of timing the market. Rates are set by the US federal reserve. *SmartCash is available for USD, EUR, and GBP currencies and the rate varies depending on the currency. Exclusive access* to private market opportunities: Private market investments can enhance a portfolio's performance and the added diversification can help to reduce overall portfolio risk and improve long-term performance. The minimum investment to enter these opportunities is on average $3M-5M. *Vault offers private market opportunities at exclusive minimum investments as low as $100K for it's professional clients. Cutting-edge technology: Our integration with Onfido and Lean Technologies allows you to complete verification and make deposits seamlessly. Choose from a variety of exclusive investment offerings within minutes of signing up and having your account opened. View and manage your portfolio, whilst getting personalized guidance from our fiduciary advisors, all within the app. Get started with a complimentary financial planning session with a Vault advisor. No commitments or obligations. Or sign up for an account today. Vault Wealth Limited is a company incorporated in the Abu Dhabi Global Market ("ADGM") and is regulated by the Financial Services Regulatory Authority (FSRA) with a category 4 license for advising on investments and credit, and arranging deals with retail endorsement. Our registered office is at Office 108, 14th floor, Al-Khatem Tower, ADGM, Abu Dhabi, United Arab Emirates.

Screenshots

Deem4 screens
Vault4 screens

Verdict

The call

The clearest difference is review sentiment: Vault at 100% against Deem's 13%. Vault also leads on rating (5.0 vs 2.6). On price, ratings volume, update cadence and ads 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

Vault holds the better App Store score, 5.0 against 2.6. Both are backed by a comparable volume of ratings — 5 and 7 respectively. Written reviews point the same way: 13% of Deem's written reviews are positive against 100% of Vault's.

UpkeepUpdate frequency

Deem ships an update every 3 weeks, Vault monthly. The most recent releases landed on October 18, 2026 and October 7, 2026 respectively.

Scorecard2 real differences · 8 level
Deem versus Vault: the parameters behind the verdict, then further details
ParameterDeemVault
PriceFreeFree
Rating2.6 (5 ratings)5.0 (7 ratings) — better
Positive reviews13.3% of reviews100.0% of reviews — better
Number of ratings57 — better
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone
Requires iOS16.616.4 — better
Further details — not scored
Size62 MB133 MB
Age rating17+17+
DeveloperDeemVault Wealth Limited

Customer experience

Deem

All ratings5 ratings
Positive40.0%
Neutral0.0%
Negative60.0%
Written reviews75 reviews
Positive13.3%
Neutral6.7%
Negative80.0%

Vault

All ratings7 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Deem

Reported bugs

20 issues
  • App not opening or loading after updates
  • Login stuck or session expiration errors
  • Password change functionality broken
  • Credit card not displaying in app after activation
  • Card unlock option showing blank white screen
Show 15 more
  • KYC update failing repeatedly
  • EID updation showing persistent errors
  • Payment transaction rejection despite available balance
  • Incorrect balance display and statement information
  • Duplicate transactions appearing
  • App showing wrong card or no card at all
  • Registration page stuck on blank white page
  • Excess limit fees charged incorrectly
  • Cashback points not reflecting in balance
  • Payment not showing in real-time
  • App laggy and slow performance
  • Error messages: 'Something is wrong, please try again later'
  • Buffering issues on payment portal
  • Downloaded wrong user statement
  • App incompatible with iOS 15.5

Requested features

11 requests
  • Real-time balance updates after payments
  • Current month outstanding amount visibility
  • Statement download functionality
  • Apple Wallet integration
  • Dark mode option
Show 6 more
  • Direct manager escalation option in IVR
  • Cashback details visibility in app
  • Card full limit display in dashboard
  • SMS notifications for account deductions
  • Auto-logout disable option in settings
  • Previous statements and due dates visibility

Vault

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Deem

No in-app purchases

None

Vault

No in-app purchases

Questions

Is Deem free?
Deem is free to download, with no in-app purchases.
Is Vault free?
Vault is free to download, with no in-app purchases.
Which has better reviews, Deem or Vault?
Vault is rated higher. Deem averages 2.6 out of 5 from 5 ratings, while Vault averages 5.0 from 7 ratings.
Do Deem or Vault have ads?
Neither Deem nor Vault shows ads.
Which is updated more often, Deem or Vault?
Deem ships an update every 3 weeks, and Vault monthly. Most recently, Deem was updated on October 18, 2026 and Vault on October 7, 2026.

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