Comparison

CardValet vs SecurLOCK Equip

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

Head to head
About

CardValet

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
Read full description

NOTE: This application is powered by Fiserv, Inc. but is activated through specific financial institutions. Check with your financial institution to ensure they participate in CardValet prior to downloading. CardValet helps you efficiently manage your cards digitally. TAKE CONTROL Stay in control of your card. Turn your card ON/OFF, set spending limits, decide where, when and how your card can be used. - Set card to be on or off in an instant, restricting whether it can be used or not - Restrict your card purchases to specific locations (merchants located within a certain range of your phone or select city, state, country or zip code on an expandable interactive map - Select merchant categories (Restaurant, Travel, Entertainment etc.) and transaction types (Instore, eCommerce, ATM etc.) to control purchases on your card - Enable or disable international transactions - Establish spending limits to allow transactions up to a certain dollar value and decline transactions when amounts exceed the thresholds set by you BE ALERT Receive real time alerts on all purchases, select purchases or when a card transaction is attempted but declined. Customize your alert preferences and get notified as per your choice. Alerts are sent in real time, immediately after a transaction has taken place, and help you quickly detect unauthorized activity on your card. VIEW YOUR CARD PURCHASE View your purchases, add memos and tag your purchases for easy tracking. DO IT YOURSELF Mange your card at your fingertips. Activate your card, set card PIN or report your lost/stolen cards seamlessly by making a call from the App. Key Benefits - Receive alerts to monitor transactions and help protect from fraud Actively manage your money and take charge of your card usage - Remotely control and monitor children’s spending - Helps ensure business spending policy compliance

About

SecurLOCK Equip

Take full control of your payment cards directly from your mobile device. Instantly turn your cards on or off, set spending limits, and define where and when they can be used. Manage your finances with enhanced security and personalized controls.

Highlights
  • Turn cards on/off
  • Set location-based controls
  • Block international transactions
  • Set spending limits
  • Mobile card management
Features
Read full description

Allows a cardholder to control the how / where / when their payment cards are used via their mobile device. Turn your card on or off with the touch of a button. Set location based controls. Block international transactions or set spending limits.

Screenshots

CardValet4 screens
SecurLOCK Equip4 screens

Verdict

The call

CardValet and SecurLOCK Equip both sit at 4.6 stars, but that hides the real split: 32% of SecurLOCK Equip's written reviews are positive against 19% of CardValet's. CardValet's advantage is ratings volume (19K vs 4.4K). On price, rating, 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

On the App Store both sit at effectively the same score — 4.6 for CardValet against 4.5 for SecurLOCK Equip. Both are backed by a comparable volume of ratings — 19K and 4.4K respectively. Written reviews are what separate them: 19% of CardValet's written reviews are positive against 32% of SecurLOCK Equip's.

UpkeepUpdate frequency

CardValet ships an update every 4 months, SecurLOCK Equip every 5 months. The most recent releases landed on September 24, 2026 and September 22, 2026 respectively.

Scorecard2 real differences · 8 level
CardValet versus SecurLOCK Equip: the parameters behind the verdict, then further details
ParameterCardValetSecurLOCK Equip
PriceFreeFree
Rating4.6 (19K ratings) — better4.5 (4.4K ratings)
Positive reviews18.8% of reviews31.9% of reviews — better
Number of ratings19K — better4.4K
Update frequencyEvery 4 months — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.014.0 — better
Further details — not scored
Size86 MB71 MB
Age rating4+4+
DeveloperFiserv, InceFunds Corporation

Customer experience

CardValet

All ratings18,753 ratings
Positive89.9%
Neutral3.1%
Negative7.0%
Written reviews133 reviews
Positive18.8%
Neutral12.8%
Negative68.4%

SecurLOCK Equip

All ratings4,411 ratings
Positive88.1%
Neutral2.5%
Negative9.3%
Written reviews135 reviews
Positive31.9%
Neutral8.1%
Negative60.0%

User reviews

CardValet

From 19K App Store ratings

What we love

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

Room to improve

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

SecurLOCK Equip

From 4.4K App Store ratings

What we love

  • 🚀 Great app
  • 🔒 Secure and helpful
  • 👍 Provides good control over card
  • 👍 Useful for budgeting

Room to improve

  • 🐛 Login issues
  • 🐛 App not working
  • 🐛 Unreliable notifications
  • 🐛 Frequent log outs
  • 🐛 Touch ID/Face ID not working

Bugs and requests

CardValet

Reported bugs

3 issues
  • Unable to reset password
  • Inconsistent account syncing
  • Repeated 'too many devices' errors

Requested features

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

SecurLOCK Equip

Reported bugs

3 issues
  • App not allowing login or password reset
  • Transactions not showing up
  • Card locking/unlocking not working as expected

Requested features

3 requests
  • Allow adding multiple cards from different banks
  • Provide better customer support options
  • Improve app stability and reliability

In-app purchases

None

CardValet

No in-app purchases

None

SecurLOCK Equip

No in-app purchases

Questions

Is CardValet free?
CardValet is free to download, with no in-app purchases.
Is SecurLOCK Equip free?
SecurLOCK Equip is free to download, with no in-app purchases.
Which has better reviews, CardValet or SecurLOCK Equip?
CardValet is rated higher. CardValet averages 4.6 out of 5 from 19K ratings, while SecurLOCK Equip averages 4.5 from 4.4K ratings.
Do CardValet or SecurLOCK Equip have ads?
Neither CardValet nor SecurLOCK Equip shows ads.
Which is updated more often, CardValet or SecurLOCK Equip?
CardValet ships an update every 4 months, and SecurLOCK Equip every 5 months. Most recently, CardValet was updated on September 24, 2026 and SecurLOCK Equip on September 22, 2026.

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