With support for over 120 financial institutions—including leading banks like Absa, Capitec, FNB, Nedbank, Standard Bank, TymeBank and Discovery Bank—Vault22 ensures your entire financial network is connected, backed by trusted partners like SC Ventures by Standard Chartered and Old Mutual.

Here’s How It Works:

Boost Your Financial Fitness Level: Work your way to financial wellness with our engaging tools that motivate you to reach new heights. Go from Rookie, level up to Enthusiast, climb higher to Competitor, hone your skills as an Expert and ultimately reach the top tier as an Elite. Your Financial Fitness Level shows just how far you've come on your financial journey.
See ALL Your Money in One Place: Link your bank accounts, credit and store cards, investments, loans and rewards from over 120 South African financial institutions. Get a complete picture of your net worth and watch it grow gradually with purpose.

Spend Better: We know spending can be a blur, but not to worry we keep all your purchase insights sharp! Dive into your spending habits with detailed transaction views and filters, making it easy to see where your money goes.

Set Budgets You Can Stick To: Planning is key! We've made that extremely easy for you so you can prioritise what matters, reduce impulse shopping and track your monthly expenses. You can also activate spending alerts to stay within budget.

Get Personalised Insights: Life can get a lil’ busy, but we’ve got you. Our Nudges offer helpful learnings and observations about your spending compared to others like you. Discover new ways to optimise your financial habits.

Manage Your Debt: Burst that debt bubble. Anything is possible! Get strategies to tackle debt efficiently, turning this challenge into manageable steps that enable you to reclaim your financial freedom.

Let's Connect You With Reputable Lenders: Our partners can offer you personal loans with flexible repayment terms from 12 to 84 months, with fixed interest rates ranging from 16% to 28.50% per year (maximum APR 28.50%). For example, if you borrow R350 000 over 60 months at an interest rate of 22% per year (APR 22%), your estimated monthly repayment will be about R9 667, with a total amount payable of about R579 997 and total interest of about R229 997 over the term, excluding any once off initiation or monthly service fees, which will increase your total cost of credit.

Security is Our Top Priority:
We take the Vault in our name very seriously. We use bank-grade encryption, ensuring your information remains private and protected and most importantly, yours.

Join over 2.2M+ South African accounts who use Vault22 to take charge of their financial futures.

More Features to Explore:
Simplify Your Statements in a Snap: No more hunting for slips! That’s so two thousand and late! With Vault22, your income and expenses are categorised and updated seamlessly every time you log in. FYI accessing your transaction history is FREE!

Make Tax Time Easy: With our export feature, you can easily export your categorised income and expense data straight to Excel, making tax time a walk in the park. No need to break a sweat!

Get support from Real People: Got questions? Our friendly Vault22 Team is here for you from 9 AM to 5 PM every weekday. Whether it’s via email or live chat, just reach out, and we’ll be ready to help you out!