# HOLD vs VMCard

The clearest difference is update cadence: VMCard at every 3 days against HOLD's monthly. VMCard also leads on iOS requirement (13.0 vs 15.1). 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.

HOLD ships an update monthly, VMCard every 3 days. The most recent releases landed on October 25, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | HOLD | VMCard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.0 (1 ratings)](https://appshunter.io/ios/app/hold-pay-and-split-with-friends/id6755203065/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 days** |
| Monetization | Free | — |
| Size | 119 MB | 31 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [HIHODL Technologies OU](https://appshunter.io/developer/1852574442) | [VMSHELL INC](https://appshunter.io/developer/1615424625) |

## What reviewers say

### HOLD

[App page](https://appshunter.io/ios/app/hold-pay-and-split-with-friends/id6755203065)

This app allows you to get paid from anywhere, split expenses with friends in group chats, and manage your money with an AI assistant. It also offers features for travel, saving, and investing in cryptocurrencies.

**Highlights:** Receive payments globally, Split expenses in group chats, AI money assistant for planning, Book travel and hotels, Save and invest in crypto, Self-custodial security

**Features:** macOS Compatibility

**In-app purchases:** none


### VMCard

[App page](https://appshunter.io/ios/app/vmcard/id6773217010)

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

**In-app purchases:** none


## Frequently asked questions

### Is HOLD free?

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

### Is VMCard free?

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

### Do HOLD or VMCard have ads?

Neither HOLD nor VMCard shows ads.

### Which is updated more often, HOLD or VMCard?

HOLD ships an update monthly, and VMCard every 3 days. Most recently, HOLD was updated on October 25, 2026 and VMCard on October 28, 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.*