# Vault22 — Formerly 22seven

> Personal financial wellness platform with tools for budgeting, spending insights, and debt management. (iPhone/iPad app by Vault22 Financial Ltd..)

- Source: https://appshunter.io/ios/app/vault22/id611120440 (this page in markdown: same URL + `.md`)
- Developer: [Vault22 Financial Ltd.](https://appshunter.io/developer/1676406067)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.50/5 from 51 App Store ratings · 42 written reviews indexed
- Age rating: 12+
- Requires: iOS 15.1 · 120 MB
- Languages: American English
- Released: 2013-04-20
- Data updated: 2026-08-19
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/vault22/id611120440/reviews.md

## What is Vault22?

Welcome to Vault22 – Your Personal Financial Fitness Platform

Vault22 is your smart financial wellness companion, guiding you toward a more secure and fulfilling financial life. Think of us as your personal financial coach—helping you build, grow, and protect your wealth through personalized tools, expert advice, and actionable insights.

Connect Your Financial World
With support for hundreds of financial institutions worldwide—including major banks, credit providers, investment platforms, and rewards programs—Vault22 connects your entire financial network. We partner with trusted global financial leaders to ensure your information and wealth are secure.

How Vault22 Works:

Boost Your Financial Fitness Level:
Track your progress with our gamified levels: start as a Rookie, level up to Enthusiast, climb higher to Competitor, sharpen your skills as an Expert, and reach the ultimate tier, Elite. Your Financial Fitness Level reflects how far you’ve come on your journey to financial wellness.

See All Your Money in One Place:
Link your bank accounts, credit and store cards, investments, loans, and rewards from multiple institutions worldwide. Get a complete view of your net worth and watch it grow with purpose.

Spend Smarter:
Gain insights into your spending habits with detailed transaction views and customizable filters. Understand where your money goes and make smarter financial decisions.

Set Budgets You Can Stick To:
Plan for what matters! Prioritize expenses, reduce impulse spending, and track your monthly budget. Activate spending alerts to stay on track and achieve your financial goals.

Get Personalized Insights:
Life gets busy—we get it. Vault22 Nudges offer helpful advice and insights about your spending compared to similar users. Discover ways to optimize your financial habits and make your money work harder for you.

Manage Your Debt:
Tackle debt efficiently with strategies tailored to your situation. Turn financial challenges into manageable steps and reclaim your financial freedom.

Security is Our Priority:
We take the “Vault” in Vault22 seriously. Using bank-grade encryption, we ensure your data stays private, secure, and yours—always.

Trusted by Millions Worldwide:
Join over 2.2 million users who have linked their accounts to Vault22 to take control of their financial future.

More Features to Explore:

Simplify Your Statements: Automatically categorize and update all your income and expenses. Access your transaction history anytime, anywhere—for free.
Make Tax Time Easy: Export your categorized financial data straight to Excel or your preferred software. Simplify taxes without the stress.
Real Support, Real People: Our friendly Vault22 Team is available from 9AM to 5PM (local time) on weekdays. Contact us via email or live chat—we’re here to help!

## Key features

- Connects to 120+ financial institutions
- Personalized financial fitness levels
- Consolidated view of all accounts
- Detailed spending insights and categorization
- Budget setting and tracking
- Personalized financial nudges
- Debt management strategies
- Tax time export feature

## Recent user reviews (10 of 42)

All indexed reviews: https://appshunter.io/ios/app/vault22/id611120440/reviews.md

### 1/5 — Simply not working anymore

*2025-03-24, version 6.4.1*

Getting worse and worse

### 5/5 — Love this App!

*2024-12-11, version 6.0.3*

I’ve had a look at many of the international budgeting apps and nothing compares! I love the user friendly interface and being able to categorize my expenses, it makes budgeting so easy.

### 1/5 — Can’t login

*2024-11-02*

I can’t login. I’ve tried resetting my password. This new brand is off to a terrible start.

**Developer response:** Hi there! Sorry to hear that all isn't working as it should. Please reach out to support@vault22.io so that we can get cracking on this issue.

### 3/5 — Great App

*2024-09-21, version 5.6.1*

This is a great app and been using it for years now. I was relying on it for all my financial plannings and visibility. But lately due to not being able to pull data from Capitec, it’s becoming difficult to open this app as its not longer accurate for me.

### 3/5 — New update is awful

*2023-04-28, version 5.0.1*

Loves this app so much until the new update, its no longer easy to use, its uglier, login is more tedious,it is definitely not an upgrade.

### 1/5 — Worst update

*2023-04-22*

I think the new update is not nice.
Design is not iOS, it’s too congested and font is terrible. It’s also too buggy. Some functionalities that were on the old design are no longer available here on the new design. Ill prefer the old one than this one. I wish I can go back.

**Developer response:** Hi there! We are grateful you took the time to leave us some feedback. If you would like to set up a chat with the product team to chat in further detail, you can email thesvens@22seven.com

### 5/5 — Game changer for your finances!

*2022-07-19*

This app is brilliant and actually life changing in terms of clearly seeing where your money is going and helping stick to your budget.

**Developer response:** Thank you for this great review!

### 5/5 — A great app (and service) that’s continually improving

*2022-07-13, version 3.6.6*

I use 22Seven daily and don’t honestly know how I’d get along without it. The app isn’t perfect but it’s very, very good and getting gradually better all the time. Highly recommend.

### 5/5 — Brilliant and easy

*2022-04-17, version 3.6.5*

I’ve been using this app since 2015 and I look at it everyday. It quickly became my ‘go to’ for checking account balances, transactions and budgets.
 I’ve never had any security breach with regards to linking my bank accounts. The app is completely safe. I can hardly believe it’s free. 

There is no better way to track spending of small amounts and things like bank fees and charges and what you’re paying in interest if you have debt. It’s a great motivator to reduce debt when you can see exactly what the interest is costing you. 

You can even create your own categories if need and break them down any way you want to. 
This app shows me what my real spending and saving actually looks like. I couldn’t live without it.

### 5/5 — From 20Twenty to 22Seven

*2021-08-28, version 3.5.9*

Back in 2001 when I got my 20Twenty card delivered in the most amazing packaging from a company that delivered exquisite service & respect, I didn’t even know that I would never have a problem with the card or miscellaneous hidden charges right up until they closed down. Now, the creators of that brilliant pre-Facebook era online card company ask me to let them use technology to evaluate my spending habits & automagically classify my expenses and watch for double-charges as well as see all my wealth across banks in one spot… there is really no way I can say no.

## Frequently asked questions about Vault22

### What does Vault22 do?

Vault22 is a financial wellness platform that acts as your personal financial coach. It helps you build, grow, and protect your wealth by connecting to your financial accounts, providing personalized tools, expert advice, and actionable insights to improve your financial fitness.

### What are the key features of Vault22?

Key features include connecting to over 120 financial institutions, seeing all your money in one place, detailed spending insights, setting budgets, personalized financial nudges, debt management strategies, and a feature to simplify tax time by exporting categorized data.

### Is Vault22 free to use?

The app offers free access to its core features, including linking accounts and accessing transaction history. While the description mentions 'free with in-app purchases', specific details on what constitutes an in-app purchase are not provided.

### What financial institutions does Vault22 support?

Vault22 supports over 120 financial institutions in South Africa, including major banks like Absa, Capitec, FNB, Nedbank, Standard Bank, TymeBank, and Discovery Bank, as well as other credit and store cards, investments, loans, and rewards programs.

### How does Vault22 help with managing money?

It helps by consolidating all your financial accounts into one view, providing insights into your spending habits, allowing you to set and stick to budgets with alerts, and offering strategies to manage and reduce debt, ultimately guiding you towards better financial habits.

## Version history (last 5 releases)

### 8.0.8 — 2026-08-14

This release brings general improvements across the app, along with fixes that make everyday things quicker and more reliable.

### 8.0.5 — 2026-08-05

• Budget: future periods now show correctly, and pending transactions stay editable
• Transactions: faster lists, cleaner Income/Expenses/Net totals, better account filters
• Account linking: clearer reconnect prompts and more reliable balance refreshes
• Performance improvements across the dashboard, plus assorted bug fixes

### 8.0.4 — 2026-07-05

LiveChat new version update 
UI polish and stability improvements across the app

### 8.0.2 — 2026-06-22

• Improved budgeting with clearer spending and tappable transactions
 • A cleaner My Wealth and easier account linking
 • Various bug fixes and performance improvements

### 8.0.1 — 2026-06-18

This update brings a more accurate, polished experience across Budget, Transactions, and your net worth 
Plus general performance improvements and bug fixes. 
Thanks for using Vault22! We're always improving — send us your feedback.

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## More apps by Vault22 Financial Ltd.

- [Vault22 UAE](https://appshunter.io/ios/app/vault22-uae/id6751945237)

All apps by Vault22 Financial Ltd.: https://appshunter.io/developer/1676406067

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-19.*