# Raiz vs CardValet

The clearest difference is review sentiment: Raiz at 49% against CardValet's 19%. Raiz also leads on update cadence (monthly vs every 4 months) and rating (4.9 vs 4.6). CardValet's advantage is ratings volume (19K vs 5.8K). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Raiz holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 5.8K and 19K respectively. Written reviews point the same way: 49% of Raiz's written reviews are positive against 19% of CardValet's.

Raiz ships an update monthly, CardValet every 4 months. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Raiz | CardValet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (5.8K ratings)](https://appshunter.io/ios/app/raiz-mobile-banking/id720084936/reviews)** | [4.6 (19K ratings)](https://appshunter.io/ios/app/cardvalet/id849898083/reviews) |
| Number of ratings | 5.8K | **19K** |
| Positive reviews | **48.5% of reviews** | 18.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 4 months |
| Monetization | Free | Free |
| Size | 232 MB | 86 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Raiz Federal Credit Union](https://appshunter.io/developer/720084939) | [Fiserv, Inc](https://appshunter.io/developer/386678214) |

## What reviewers say

### Raiz

[App page](https://appshunter.io/ios/app/raiz-mobile-banking/id720084936)

Manage your finances conveniently with this mobile banking application. It offers features like account management, loan applications, credit score viewing, and secure card management. The app also includes budgeting tools and a virtual assistant for financial guidance.

**Highlights:** View credit score, Apply for loans and credit cards, Manage cards and fight fraud, Virtual financial assistant, Savings goals and budgeting tools, Deposit checks via mobile camera, Member-to-member transfers

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 👍 User-friendly interface
- 💡 Integrated Zelle functionality
- 🚀 Fast and responsive
- 👍 Convenient account management

**What reviewers complain about**

- 🐛 Frequent crashes and glitches
- 🐛 Unreliable Zelle integration
- 🐛 Difficulty accessing accounts
- 🔒 Security and login issues
- 👎 Poor customer service

**Reported bugs**

- Repeated sign-outs and login issues
- Inability to access accounts and view balances
- Zelle verification failures and disconnections
- Freezing and crashing during app usage

**Requested features**

- Improve Zelle integration
- Enhance account visibility and transaction history
- Implement more robust security features
- Provide better customer support options


### CardValet

[App page](https://appshunter.io/ios/app/cardvalet/id849898083)

Take full control of your debit and credit cards with instant on/off toggles, spending limits, and location-based restrictions. Receive real-time alerts for all transactions, monitor purchases, and manage your cards digitally from your smartphone.

**Highlights:** Turn cards on/off instantly, Set spending limits, Restrict usage by location, Control merchant categories, Receive real-time transaction alerts, View purchase history, Activate cards and set PIN

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Real-time transaction alerts
- 🔒 Ability to lock/unlock card
- 💡 Customizable spending limits
- 👍 Convenient card management

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Unreliable connectivity
- 🐛 Disappearing transaction history
- 👎 Reduced functionality after updates

**Reported bugs**

- Unable to reset password
- Inconsistent account syncing
- Repeated 'too many devices' errors

**Requested features**

- Balance and spending overview
- Fingerprint/biometric login
- Ability to add multiple cards
- Improved notification system


## Frequently asked questions

### Is Raiz free?

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

### Is CardValet free?

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

### Which has better reviews, Raiz or CardValet?

Raiz is rated higher. Raiz averages 4.9 out of 5 from 5.8K ratings, while CardValet averages 4.6 from 19K ratings.

### Do Raiz or CardValet have ads?

Neither Raiz nor CardValet shows ads.

### Which is updated more often, Raiz or CardValet?

Raiz ships an update monthly, and CardValet every 4 months. Most recently, Raiz was updated on November 6, 2026 and CardValet on November 7, 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.*