Revolut is the better app overall, scoring 8.6 to 8.4. Revolut wins on 3 of the 5 scores, VaultFlow on 2.
Frequent travelers who want one app for spending, saving and currency exchange
Budgeters who want a free, private app and don't mind importing statements
Score by score
The details
| Feature | Revolut | VaultFlow |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #5 of 10 | #7 of 10 |
| Developer | Revolut Ltd | The Big Head |
| Pricing | Free + paid plans | Free |
| Usable for free | Yes | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | ✓ | — |
| Web | ✓ | — |
Strengths and weaknesses
Revolut
- Free plan covers spending, transfers and budgeting
- Strong exchange rates on weekdays within plan limits
- Fast, feature-rich app with instant notifications
- Constant upsells and a crowded interface
- Support can be slow if your account is flagged
Revolut packs a lot into one app: multi-currency spending, budgeting tools, savings vaults, investing and travel perks. The free Standard plan is genuinely useful, and paid plans add higher limits and extras. The trade-off is complexity and constant upsells. Support can be slow if your account gets flagged for review, so keep a traditional bank account as a backup.
Full Revolut review
VaultFlow
- No bank login and no subscription
- Bills, budgets and net worth in one place
- Export everything as a spreadsheet any time
- No automatic transaction sync
- Apple devices only, with no web or Android app
VaultFlow covers spending, bills and net worth in four simple screens, and it does it without asking for your bank password. You import your bank's statement file instead, and duplicates are skipped. Bills remind you before they are due, and the wealth view tracks accounts, cards, investments, property and loans. It needs more manual effort than Monarch, but it costs nothing and keeps your data on your device.
Full VaultFlow review
