What is Vault22 and how does it work?

Vault22 is a personal financial fitness coach app that links your bank accounts, credit cards, investments, loans, and rewards to track spending, set budgets, get personalized insights, and build wealth. It works by aggregating data from over 120 South African financial institutions (with a UAE version available), assigning a Financial Fitness Level based on six pillars like savings, investing, and debt management, and providing tools for monitoring transactions, nudges for better habits, and connections to lenders.

What countries does Vault22 operate in?

Vault22 primarily operates in South Africa, with a separate UAE version for local bank linking.

How do I sign up for Vault22?

Download the Vault22 app from Google Play or the App Store, then link your bank accounts and financial institutions during onboarding.

Does Vault22 have a mobile app?

Yes, Vault22 has a mobile app available on Google Play for Android and the App Store (UAE version).

Who is Vault22 best suited for?

Vault22 is best suited for individuals in South Africa seeking to improve personal financial wellness through budgeting, spending tracking, and wealth-building tools.

How do I contact Vault22 support?

Email support at support@vault22.io or visit the Help Center on the Vault22 website.

Does Vault22 have a plan for teams or businesses?

No, Vault22 does not have a plan for teams or businesses; it focuses on individual users.

Vault22

🇿🇦 South Africa

A South African personal finance app for individuals to link accounts, track net worth, auto-categorize spending, set budgets with alerts, and monitor ETF portfolios.

Use it on:Web Android· 3.0 iOS· 4.5

Is Vault22 right for you?

Best for

South African individuals
Net worth tracking
Budget-focused households
Everyday spend tracking
ETF investors

What it does well

Link bank accounts
Net worth dashboard
Auto spending categories
Budget alerts
ETF portfolio tracking

Things to check

Supported bank list
Account linking security
ETF broker connections
Budget alert options
Category rules control

Vault22 is a South African financial wellness mobile app for individuals who want a single view of their money, including spending, budgets, net worth, and investments.

Key capabilities include:

Account aggregation across 120+ South African institutions, letting users link bank accounts, credit and store cards, investments, loans, and rewards to track net worth in one place.
Automatic income and expense categorisation with detailed transaction views and filters, plus access to historical transactions for ongoing spend analysis.
Budgeting and reporting tools, including budget setup with alerts, spending insights (such as Rand Recap), and data export to Excel for tax workflows.
Wealth features such as curated ETF portfolios, risk assessment, and real-time portfolio tracking.

Available on Web, Android and iOS.

It targets South African consumers looking for personal financial management and investment tracking.

Notable for South Africa, the platform aggregates data from a wide range of local financial institutions, reports 2.2M+ linked South African accounts, and is licensed by the FSB. It launched through a collaboration between Old Mutual NEXT176 and Standard Chartered SC Ventures.

As of Jun 29, 2026, Vault22 is rated 4.5 on the App Store from 51 reviews and 3.0 on Google Play from 4.6K reviews with 500K+ installs.

Social Links:

Categories:

Fintech

Features & Business Model:

b2c expense-tracking investments personal-finance wealth-management