--- title: "Vault22 alternatives" description: "Compare 22 published alternatives to Vault22." canonical_url: "https://liners.com/vault22/alternatives" markdown_url: "https://liners.com/vault22/alternatives.md" type: "product-alternatives" language: "en" updated_at: "2026-09-17T21:23:35.837Z" --- # Vault22 alternatives Compare 22 published alternatives to Vault22. ## Breadcrumbs - [Vault22](/vault22) - [Alternatives](/vault22/alternatives) ## Summary Compare 22 published alternatives to Vault22. ## About these alternatives The most useful Vault22 alternatives in South Africa right now are [Franc](https://liners.com/franc), [FinMeUp](https://liners.com/finmeup), [EasyEquities](https://liners.com/easyequities), [Troygold](https://liners.com/troygold), and [Altify](https://liners.com/altify). The right pick depends on whether you want goal-based saving, a fuller investing platform, financial planning advice, or access to specific asset classes like gold, crypto, or private credit. Vault22 is a South African financial wellness app for individuals, built to give you one view of your spending, budgets, net worth, and investments. It aggregates accounts across 120+ South African institutions, reports 2.2M+ linked South African accounts, is licensed by the FSB, and launched through a collaboration between Old Mutual NEXT176 and Standard Chartered SC Ventures. People usually look for Vault22 competitors for a very practical reason: they want a product that goes deeper in one area than an all-in-one money view. That might mean a dedicated investing app (shares, ETFs, crypto, or multi-currency), a goal-based saving product with guided strategies, a platform focused on advice and risk profiling, or something that works outside South Africa since Vault22 is primarily South Africa-based (with a separate UAE version for local bank linking). None of this makes Vault22 a poor choice; it means the market now has specialists worth comparing. ## What to Compare When Choosing a Vault22 Alternative - **Country support**: confirm the app works in your market, many options are [South Africa](/countries/south-africa)-only, while Chipper Cash spans multiple African countries. - **Investing breadth**: decide if you want ETFs and shares (for example [EasyEquities](https://liners.com/easyequities)) or alternatives like private credit and tokenised stocks (for example [Altify](https://liners.com/altify)). - **Goal-based saving vs trading**: if you want guided, goal-based saving and investing, [Franc](https://liners.com/franc) is built around that style. - **Advice and planning tools**: if you want structured planning, education, and risk profiling, [FinMeUp](https://liners.com/finmeup) is closer to a planning-first experience. - **Asset-specific products**: if your priority is gold exposure, [Troygold](https://liners.com/troygold) focuses on buying, storing, and borrowing against Krugerrands. - **Regulatory comfort**: check whether the provider is regulated in your country, for example Franc is described as FSCA-regulated in South Africa. - **Platform fit**: some products are consumer apps, others are infrastructure, [Bluum Finance](https://liners.com/bluum-finance) is API-first and suits fintech builders more than everyday personal budgeting. ## Compare Vault22 alternatives by what you are trying to do - **Goal-based saving and guided investing (South Africa)**: [Franc](https://liners.com/franc) is designed around setting goals and tracking progress, and it is described as FSCA-regulated. - **Invest in shares and ETFs from small amounts (South Africa)**: [EasyEquities](https://liners.com/easyequities) is a retail investing platform that supports shares, ETFs, fractional shares, crypto, and property. - **Gold as an investment (South Africa)**: [Troygold](https://liners.com/troygold) centres on insured 1oz Krugerrands held in vaults, with options to borrow against holdings. - **Alternative assets like tokenised stocks, stablecoins, and private credit (South Africa)**: [Altify](https://liners.com/altify) is built for that wider mix. - **Cross-border money movement plus investing (multi-country)**: [Chipper Cash](https://liners.com/chipper-cash) supports transfers across 21+ countries and also offers US stocks. Scroll the Liners directory below to explore more [Fintech](/categories/fintech) options, including apps like Vault22 and similar apps you can use instead of Vault22. You can filter by [South Africa](/countries/south-africa) and tags like [B2C](/tags/b2c), [Investments](/tags/investments), [Wealth Management](/tags/wealth-management), [Personal Finance](/tags/personal-finance), and [SaaS](/tags/saas), then compare your shortlist side by side. ## Alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | Ladder | /ladder | Manage, save, invest, and budget from one app | Ghana | | | Franc | /franc | Goal-based saving and investing with guided strategies | South Africa | | | PayCurve | /paycurve | Early access to earned pay with financial wellness tools | South Africa | | | Alexforbes | /alexforbes | Independent advice and online investing for retirement goals | South Africa | | | Kuditrak | /kuditrak | Track spending, transfer money, and save toward goals | Nigeria | | | Chumz | /chumz | Save and invest from mobile money in minutes | Kenya | 4 | | Paypaxe | /paypaxe | Track spending, save toward goals, and contribute in groups | Nigeria | | | Investnaija | /investnaija | Learn, save toward goals, and access regulated investments | Nigeria | | | EasyEquities | /easyequities | Invest in local and global markets from any amount | South Africa | | | FinMeUp | /finmeup | Financial planning that starts with your risk profile | South Africa | | | mystocks.africa | /mystocks-africa | Invest across African exchanges from one USD wallet | South Africa | | | TaxTim | /taxtim | File South African tax returns through guided Q&A | South Africa | | | Troygold | /troygold | Add digital gold to your product stack. | South Africa | | | Wekeza | /wekeza | Invest in U.S. stocks from $1, in your language | Senegal | | | Meerkat | /meerkat | Debt help, flexible savings, and cover for life events | South Africa | | | StokFella | /stokfella | Manage stokvel savings with secure, transparent tracking | South Africa | | | Altify | /altify | Access private credit, crypto, gold, and tokenised stocks | South Africa | | | Zairaa | /zairaa | Budget, save, and track spending from one banking app | Nigeria | | | MyStash | /mystash | Save automatically, budget, pay, invest, and borrow in one app | Nigeria | | ## Related pages - [Product page](/vault22) - [Alternatives](/vault22/alternatives) - [Reviews](/vault22/reviews) - [Transparency](/vault22/transparency) ## Access and citation - [Canonical HTML page](https://liners.com/vault22/alternatives) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)