Vault22 - Financial management & insights

Vault22 connects you with over 120 financial institutions, featuring prominent banks such as Absa, Capitec, FNB, Nedbank, Standard Bank, TymeBank, and Discovery Bank. The platform is supported by reputable partners including SC Ventures from Standard Chartered and Old Mutual.

Here's How It Operates:

Enhance Your Financial Wellness: Achieve financial well-being using our interactive tools designed to encourage you towards greater accomplishments. Progress from Rookie to Enthusiast, advance to Competitor, refine your expertise as an Expert, and finally attain the pinnacle as an Elite. Your Financial Fitness Level reflects how far you've advanced in your financial journey.

View All Your Finances Together: Link all your bank accounts, credit and store cards, investments, loans, and rewards from a diverse range of South African financial institutions. Gain a comprehensive view of your net worth and observe its steady growth.

Improve Your Spending Habits: Spending can often feel overwhelming, but we provide clear insights into your purchases! Explore your spending patterns with in-depth transaction details and filters, making it simple to track where your funds are allocated.

Create Sustainable Budgets: Effective planning is essential! We simplify this process so you can focus on what’s important, curb impulse buys, and monitor your monthly expenditures. You can also set up alerts to help you stay on budget.

Receive Tailored Insights: We recognize that life gets busy, and that's why we offer Nudges—useful tips and observations about your spending in comparison to peers. Find fresh strategies to enhance your financial practices.

Take Control of Your Debt: Don’t let debt overwhelm you. With the right strategies, you can effectively address your debt challenges, breaking them down into manageable steps to regain your financial autonomy.

Your Security is Our Primary Concern:

The term "Vault" is integral to our identity. We implement bank-level encryption to keep your information secure and confidential, ensuring it remains exclusively yours.

Join more than 2.2 million South Africans using Vault22 to empower their financial futures.

Explore Additional Features:

Simplify Your Financial Statements Instantly: No more searching for receipts! With Vault22, your income and expenses are automatically categorized and updated whenever you log in. Plus, accessing your transaction history is completely free!

Streamline Tax Preparation: Our export functionality allows you to transfer your categorized income and expense records directly to Excel, making tax season much easier without any hassle!

Get Assistance from Real People: Have inquiries? Our approachable Vault22 Team is available to assist you from 9 AM to 5 PM on weekdays. Whether through email or live chat, just get in touch, and we’ll be there to support you!

From Financial Fog to Empowered Clarity: How Vault22 Forged My Path to Financial Freedom

Discovering Vault22 felt less like downloading an app and more like gaining a patient, insightful financial coach who finally made sense of my fragmented South African banking life. 

The promise of connecting disparate accounts became a revelation: seeing my FNB chequing, Capitec savings, Discovery credit card, Old Mutual investment, and even my Woolworths rewards balance in one unified dashboard delivered an instant, sobering—then empowering—understanding of my true net worth. Gone were the days of frantic spreadsheet reconciliation; Vault22’s auto-categorization effortlessly mapped my spending, revealing uncomfortable truths about those daily coffee splurges and grocery overspends with startling precision. 

But it was the gamified ‘Financial Fitness’ journey that truly shifted my mindset. Progressing from "Rookie" to "Enthusiast" by simply setting my first automated budget wasn’t just a badge; it reframed saving as an achievable challenge, not a chore. 

The tailored "Nudges" became invaluable: a gentle alert noting my takeout spending was 30% higher than peers in Johannesburg prompted a simple meal-prep habit saving me R800/month. Tackling debt transformed from paralyzing dread into a structured mission using Vault22’s payoff visualizer, turning my Nedbank loan from a monster into manageable chunks. Bank-level security (the "Vault" lives up to its name) provided peace of mind while exporting Excel-ready data streamlined tax prep brilliantly. For anyone juggling multiple SA accounts, Vault22 isn’t just a tracker—it’s the indispensable, intuitive command centre that replaces anxiety with actionable insight and tangible progress.

FAQs Validated Through Daily Use:

Q: How seamless is connecting major SA banks like FNB/Standard Bank?

A: Surprisingly frictionless. Authorizing via secure, bank-specific portals took under 2 minutes per account. Data refreshes reliably every 12-24 hours, providing near real-time visibility without manual input.

Q: Do the "Nudges" and categorization actually influence behavior?

A: Profoundly. The hyper-personalized spending insights (e.g., "You spent R1,200 on Uber last month") create immediate awareness. Seeing category spending vs. local peers adds powerful social context that motivated concrete changes.

Q: Is the debt management genuinely useful beyond basic totals?

A: Critical. Visualizing interest costs and simulating payoff timelines (e.g., "Paying R200 extra monthly clears Capitec loan 8 months early") turns abstract debt into a winnable game. The prioritization advice saved me R2,100 in interest.

Q: How robust are the security measures with sensitive financial data?

A: Enterprise-grade. Bank-level encryption (256-bit), strict read-only access (cannot move funds), and optional biometric login ensured confidence. Partners like SC Ventures validate their infrastructure.

Q: Does the tax export feature streamline SARS prep?

A: Exceptionally. One-click Excel exports auto-categorize deductible expenses (e.g., fuel, home office). What took hours reconciling statements now takes minutes, making tax filing genuinely stress-free.