VaultFlow is the better app overall, scoring 8.4 to 8.3. VaultFlow wins on 2 of the 5 scores, Venmo on 3.
Budgeters who want a free, private app and don't mind importing statements
Friends and roommates in the US who split dinners, rent and trips
Score by score
The details
| Feature | VaultFlow | Venmo |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #7 of 16 | #13 of 16 |
| Developer | The Big Head | PayPal |
| Pricing | Free | Free |
| Usable for free | Yes | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | — | ✓ |
Common questions
Is VaultFlow better than Venmo?
VaultFlow is the better app overall, scoring 8.4 to 8.3. VaultFlow wins on 2 of the 5 scores, Venmo on 3.
Which is cheaper, VaultFlow or Venmo?
VaultFlow: Free, no subscription, no ads, no in-app purchases. Venmo: Free from balance, bank or debit; 3% with a credit card; instant transfer 1.75%. On value for money, VaultFlow scores higher.
Do VaultFlow and Venmo work on the same devices?
Only Venmo runs on Android.
Which is more private, VaultFlow or Venmo?
VaultFlow scores higher on privacy (9.6/10). No account or bank login; data stays on the iPhone or iPad you use and does not sync yet. Only ticker symbols and currency codes go out for prices. App Store label: financial info, not linked to you.
Strengths and weaknesses
VaultFlow
- No bank login, no subscription and no ads
- Bills, budgets and net worth in one place
- Export everything as a spreadsheet any time
- No automatic bank feeds; you import statement files yourself
- No sync between devices yet, and no Android or web app
VaultFlow covers spending, bills and net worth in four simple places, Home, Spending, Bills and Wealth, and it does it without asking for your bank password. You import your bank's statement file (CSV, OFX or QFX) instead, and duplicates are skipped. Bills remind you one to three days before they are due, budgets sit on each category, and the wealth view tracks accounts, cards, investments, property and loans. It needs more manual effort than Monarch and does not sync between devices yet, but it costs nothing and keeps your data on your device.
Full VaultFlow review
Venmo
- Free to pay friends from balance, bank or debit
- Splitting a bill takes a few taps
- Fun feed with emoji and GIF payment notes
- Only works in the US
- Instant transfers cost 1.75%, up to $25
- App Store label lists usage data used for tracking
Venmo is the quickest way to pay a friend back in the US. Sending from your balance, bank or debit card is free, splitting a bill takes seconds, and the feed of emoji-filled payment notes is half the fun. A 2026 redesign is making privacy settings easier to find, which matters because payments used to be public by default. Instant transfers to your bank cost 1.75%, and Venmo only works in the US.
Full Venmo review
