---
title: "Vault22: Personal Finance App in South Africa"
description: "Link 120+ South African institutions to track net worth, auto-categorise spending, set budgets with alerts, and monitor curated ETF portfolios."
canonical_url: "https://liners.com/vault22"
markdown_url: "https://liners.com/vault22.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/vault22/screenshot.webp?v=1774277294521"
published_at: "2026-03-23T16:42:37.775Z"
updated_at: "2026-10-05T05:11:58.735Z"
---

# Vault22: Personal Finance App in South Africa

Link 120+ South African institutions to track net worth, auto-categorise spending, set budgets with alerts, and monitor curated ETF portfolios.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Vault22](/vault22)

## Summary

Track net worth, budgets, and investments in one place

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://vault22.com/ |
| Tagline | Track net worth, budgets, and investments in one place |
| Primary country | South Africa |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Expense Tracking](/tags/expense-tracking): Product feature or technology
- [Investments](/tags/investments): Product feature or technology
- [Personal Finance](/tags/personal-finance): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [South Africa](/countries/south-africa): Market

## Related pages

- [Alternatives](/vault22/alternatives)
- [Reviews](/vault22/reviews)
- [Transparency](/vault22/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/vault22)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)