# Vault22 vs Bank Zero

The clearest difference is rating: Vault22 at 4.5 against Bank Zero's 3.5. Vault22 also leads on update cadence (every 2 weeks vs every 5 weeks) and ratings volume (51 vs 12). Bank Zero's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (12.0 vs 15.1). On price, review sentiment, ads and in-app purchases there is nothing between them.

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 3.5. Both are backed by a comparable volume of ratings — 51 and 12 respectively. Written reviews complicate that: 62% of Vault22's written reviews are positive against 67% of Bank Zero'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, Bank Zero every 5 weeks. The most recent releases landed on September 20, 2026 and September 17, 2026 respectively.

## The numbers

| Metric | Vault22 | Bank Zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (51 ratings)](https://appshunter.io/ios/app/vault22/id611120440/reviews)** | [3.5 (12 ratings)](https://appshunter.io/ios/app/bank-zero/id1514773975/reviews) |
| Number of ratings | **51** | 12 |
| Positive reviews | 61.9% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 5 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 121 MB | 148 MB |
| Requires iOS | 15.1 | **12.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 12+ | 9+ |
| Developer | [Vault22 Financial Ltd.](https://appshunter.io/developer/1676406067) | [Bank Zero](https://appshunter.io/developer/1514773974) |

## What reviewers say

### Vault22

[App page](https://appshunter.io/ios/app/vault22/id611120440)

This app acts as a personal financial coach, helping you build, grow, and protect your wealth. It connects to over 120 financial institutions, providing personalized tools, expert advice, and actionable insights to improve your financial wellness.

**Highlights:** 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

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### Bank Zero

[App page](https://appshunter.io/ios/app/bank-zero/id1514773975)

A modern, app-driven bank offering robust financial services for individuals and businesses at no cost. Features include secure transactions, account management, and dedicated support. Explore unique banking functionalities and manage your finances seamlessly.

**Highlights:** App-driven banking, Zero cost services, Individual and business accounts, Secure patented card, Dedicated banking specialists, Account opening and management, Payment and transfer services

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Vault22 free?

Vault22 is free to download, with no in-app purchases.

### Is Bank Zero free?

Bank Zero is free to download, with no in-app purchases.

### Which has better reviews, Vault22 or Bank Zero?

Vault22 is rated higher. Vault22 averages 4.5 out of 5 from 51 ratings, while Bank Zero averages 3.5 from 12 ratings.

### Do Vault22 or Bank Zero have ads?

Neither Vault22 nor Bank Zero shows ads.

### Which is updated more often, Vault22 or Bank Zero?

Vault22 ships an update every 2 weeks, and Bank Zero every 5 weeks. Most recently, Vault22 was updated on September 20, 2026 and Bank Zero on September 17, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*