# Payactiv vs My Vault Card

The clearest difference is update cadence: Payactiv at every 2 months against My Vault Card's every 7 months. Payactiv also leads on ratings volume (85K vs 6K) and chart position (#147 vs unranked). My Vault Card's advantage is iOS requirement (15.0 vs 18.0). On price, rating, ads and in-app purchases there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.7 for Payactiv against 4.7 for My Vault Card. That said, the two scores are not equally well evidenced: Payactiv has 85K ratings behind it against 6K, so its average is the more settled of the two. Written reviews are what separate them: 36% of Payactiv's written reviews are positive against 27% of My Vault Card's.

Payactiv ships an update every 2 months, My Vault Card every 7 months. Both last shipped on October 30, 2026.

## The numbers

| Metric | Payactiv | My Vault Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (85K ratings)](https://appshunter.io/ios/app/payactiv/id792617775/reviews)** | [4.7 (6K ratings)](https://appshunter.io/ios/app/my-vault-card/id1610606827/reviews) |
| Number of ratings | **85K** | 6K |
| Positive reviews | **36.0% of reviews** | 27.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 7 months |
| Monetization | Free | Free |
| Best chart rank | **#147** | — |
| Size | 47 MB | 71 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PayActiv Inc.](https://appshunter.io/developer/792617778) | [Paycom Payroll, LLC](https://appshunter.io/developer/1207929486) |

## What reviewers say

### Payactiv

[App page](https://appshunter.io/ios/app/payactiv/id792617775)

**Currently charting:** #147 Top Free · Finance (US App Store)

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

**Highlights:** Early access to wages, Government payment early access, Spending and saving tools, Low balance alerts, Payactiv Visa Card, Integrated bill pay, Touchless payments

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick access to money
- 👍 Convenient feature
- 🚀 Easy to use
- 🚀 Helpful in emergencies
- 👍 Wonderful app

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🐛 Hours/funds not updating properly
- 🔒 Security and login issues
- 💩 Poor customer service
- 💰 High fees

**Reported bugs**

- App not loading or logging in
- Funds disappearing or not updating
- Issues linking bank accounts and cards

**Requested features**

- Same-day access to funds
- Reduce withdrawal fees
- Improve app stability and reliability
- Better customer support


### My Vault Card

[App page](https://appshunter.io/ios/app/my-vault-card/id1610606827)

Manage your payroll card with this app designed for Paycom users. View deposits, transactions, and balances, set up alerts, and find ATMs. Easily add your card to your mobile wallet for secure transactions and access financial education resources.

**Highlights:** Account balance and transaction overview, Automated push, SMS, and email alerts, Direct deposit information viewing, Digital card view for online purchases, ATM and cash reload location finder, Mobile wallet integration, Card suspension feature

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 👍 User-friendly app
- 💡 Ability to get paid early
- 🔒 Secure account
- 📱 Simple and straightforward

**What reviewers complain about**

- 🐛 App crashes consistently
- 🤖 Poor customer service
- 💳 Withdrawal and transfer issues
- ⏱️ Delayed deposit of paychecks
- 🚫 Lack of key features like Zelle

**Reported bugs**

- Login issues and error messages
- Inability to access account and funds
- Inconsistent app performance

**Requested features**

- Improve app stability and reliability
- Enhance customer service experience
- Add more payment and transfer options
- Faster deposit of paychecks


## Frequently asked questions

### Is Payactiv free?

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

### Is My Vault Card free?

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

### Which has better reviews, Payactiv or My Vault Card?

Payactiv is rated higher. Payactiv averages 4.7 out of 5 from 85K ratings, while My Vault Card averages 4.7 from 6K ratings.

### Do Payactiv or My Vault Card have ads?

Neither Payactiv nor My Vault Card shows ads.

### Which is updated more often, Payactiv or My Vault Card?

Payactiv ships an update every 2 months, and My Vault Card every 7 months. Most recently, Payactiv was updated on October 30, 2026 and My Vault Card on October 30, 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.*