Vault22 vs StokFella
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Vault22
This app acts as a personal financial coach, helping you build, grow, and protect your wealth. It connects to hundreds of financial institutions, providing a unified view of your money, spending insights, and budgeting tools. Gamified levels and personalized nudges encourage better financial habits.
- Connects to hundreds of financial institutions
- Gamified financial fitness levels
- Consolidated view of all money
- Detailed spending insights and filters
- Customizable budgeting tools
- Personalized financial nudges
- Debt management strategies
- Bank-grade security encryption
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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!
StokFella
This app helps stokvel groups and their members manage finances, payments, claims, and meetings. It provides tools for consolidation, communication, and analysis of stokvel activities and financials, simplifying group management and financial oversight.
- Manage payments and claims
- Track outstanding payments
- View financial performance
- Monitor membership growth
- Manage meeting schedules
- Receive notification reminders
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StokFella puts the power of informed financial management and decision making in the hands of all stokvels and its members. It allows a stokvel group and its members to manage, consolidate, communicate, visualise and analyse their stokvel activities, financials and any other related stokvel matters. - Stokvel admin nightmare? Not anymore! Manage all your Stokvel’s payments, claims and meetings all from your mobile. - Forgot how much you owe? Let’s remind you! See your outstanding payments anytime, anywhere and get notification reminders. - Not sure how your Stokvel is performing? Let’s tell you! View your Stokvel’s finance, goals and membership growth. - Forgot who’s hosting? Never again! Check when your next meeting is, who’s the host and receive notifications if any meeting changes happen.
Screenshots
Verdict
The clearest difference is rating: Vault22 at 4.5 against StokFella's 3.8. Vault22 also leads on ratings volume (51 vs 4) and update cadence (every 2 weeks vs monthly). StokFella's advantage is review sentiment (100% vs 62%) and iOS requirement (11.0 vs 15.1). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Vault22 holds the better App Store score, 4.5 against 3.8. That said, the two scores are not equally well evidenced: Vault22 has 51 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 62% of Vault22's written reviews are positive against 100% of StokFella's, so the app with the better star average is not the one people write more warmly about.
Vault22 ships an update every 2 weeks, StokFella monthly. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.
| Parameter | Vault22 | StokFella |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (51 ratings) — better | 3.8 (4 ratings) |
| Positive reviews | 61.9% of reviews | 100.0% of reviews — better |
| Number of ratings | 51 — better | 4 |
| Update frequency | Every 2 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 11.0 — better |
| Further details — not scored | ||
| Size | 127 MB | 29 MB |
| Age rating | 12+ | 4+ |
| Developer | Vault22 Financial Ltd. | Pluritone |
Customer experience
Vault22
StokFella
Bugs and requests
Vault22
Reported bugs
15 issues- Cannot login
- Not working anymore
- New update is awful
- Too buggy
- Some functionalities removed
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- Removed gestures
- App became useless
- Cannot update accounts reliably
- Crashes often
- Updated app won't launch
- App crashes immediately
- New feature confusing
- Settings get wiped
- Tried linking accounts, does not work
- Crash :(
Requested features
9 requests- Pull data from Capitec
- More prominent Nudge feature
- Render charts based on habits
- Nudges when about to buy impulse items
- iPad support
Show 4 moreShow fewer
- Bring back money in and out bars
- Integrate with 1Password
- Monthly graph of income vs expenditure
- iPhone 6 and iPhone 6 plus screen resolutions update
StokFella
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Vault22
No in-app purchases
StokFella
No in-app purchases








