Vault22

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.