VMBanks vs Aset
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
VMBanks
A modern financial application for managing, spending, and growing your money. It offers virtual cards, digital assets, and flexible savings options all within a single platform.
- Money management
- Spending tracking
- Virtual cards
- Digital assets
- Flexible savings
Read full descriptionHide full description
VMBanks is a modern financial app designed to help you manage, spend, and grow your money with ease. From virtual cards to digital assets and flexible savings, everything you need is in one place.
Aset
Manually track your net worth by organizing accounts, loans, investments, and properties in a private digital wallet. Visualize your financial position with detailed overviews, trends, and asset structure insights. Supports multiple currencies and offers a privacy-first approach without bank linking.
- Manual net worth tracking
- Private asset wallet
- Multi-currency management
- Financial trend visualization
- FIRE progress tracking
- Customizable asset cards
- Privacy-focused design
Read full descriptionHide full description
Gather your bank cards, credit cards, cash, funds, stocks, real estate, loans, and multi-currency accounts into one private folder for your assets. Update a balance by hand, and you can see exactly how much you have, where your money is, and how it has changed lately. Aset is a privacy-first, manual net worth tracker. It never connects to your bank, never asks for online banking logins or passwords, and never reads your transactions. Your financial records stay on your device by default. Turn on iCloud sync and they are stored only in your private iCloud database, never on a server run by Aset. 【Manage your assets like organizing a folder】 Sort accounts, cash, investments, real estate, and loans into cards, then make them yours with custom colors, icons, and display styles. Drag and drop to arrange everything the way you like. Assets, liabilities, and net worth sit together in one overview you can read at a glance, and you can look back at trends by month, quarter, or year. 【Live quotes and multiple currencies, converted for you】 Link investment holdings to their market symbols and refresh stock and fund quotes with a tap. Set your main currency and balances in other currencies are converted and totaled automatically, no manual math required. You can also set regular reminders to keep your records up to date. 【Understand the structure, track your goals】 Use charts to see your asset allocation and how your liabilities break down, and understand what each piece contributes to your net worth. Track your progress toward FIRE and financial independence, and check in anytime with a Home Screen widget. 【Privacy first, so you can record with peace of mind】 No bank connections, no online banking passwords, no transaction syncing. Your core financial records stay on your device or in your own private iCloud database. We can't see what you record, and we'll never sell it or use it for ad profiling. A privacy lock and background blur also help keep sensitive balances from catching a passerby's eye. 【Aset Pro】 Upgrade to Aset Pro to unlock: • Unlimited asset cards • Multi-balance accounts: track multiple currencies, checking and term balances, and more under a single account • Automatic currency conversion for an easier view of your total assets • One-tap stock and fund quote updates, so you enter fewer prices by hand • More Pro features rolling out over time Plans: • Monthly: auto-renewing • Yearly: auto-renewing, with a 7-day free trial • Lifetime: a one-time purchase for the long haul Your subscription renews automatically unless you cancel at least 24 hours before the renewal date. Once you confirm your purchase, the charge is applied to your Apple ID account. You can manage or cancel your subscription anytime in your Apple ID settings. 【We'd love to hear from you】 Aset is still early, and we're always refining the features, the experience, and every little detail. If it helps you, we'd be grateful if you shared it with friends who also want to track their assets and manage their net worth, or left a review on the App Store. It really means a lot to us. Run into a problem or have a feature idea? Email us at ios_zhou@163.com, or find us through App Support on the App Store page. We read every piece of feedback carefully. Thank you for letting Aset help you record your asset changes. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://assetcardapp.com/docs/legal/privacy/
Screenshots
Verdict
The clearest difference is review sentiment: Aset at 100% against VMBanks's 0%. Aset also leads on rating (5.0 vs 3.7). VMBanks's advantage is in-app purchases (none vs 4) and ratings volume (3 vs 1). On price, update cadence, ads and device support 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
Both are free to download. Aset sells 4 in-app purchases, starting at $1.99 per month. VMBanks asks for nothing beyond the download.
Aset holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 3 and 1 respectively. Written reviews point the same way: 0% of VMBanks's written reviews are positive against 100% of Aset's.
VMBanks ships an update every 3 weeks, Aset fortnightly. The most recent releases landed on October 24, 2026 and October 7, 2026 respectively.
| Parameter | VMBanks | Aset |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (3 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 3 — better | 1 |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 29 MB | 23 MB |
| Age rating | 4+ | 4+ |
| Developer | VMSHELL INC | 健 周 |
Customer experience
VMBanks
Aset
In-app purchases
VMBanks
No in-app purchases
Aset
- Monthly$1.991 Month
- Yearly7 Days trial$9.991 Year
- Lifetime Access$6.99
- Lifetime$29.99









