Comparison

Vault22 vs OUTsurance

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Vault22

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
Read full description

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!

About

OUTsurance

Manage your insurance policies, get emergency assistance, and make claims easily. Start new quotes, buy funeral plans, and track your claims 24/7. Refer friends for discounts and join a smart driving program for premium savings.

Highlights
  • Manage insurance policies
  • Start new insurance quotes
  • Submit and track claims
  • Request emergency assistance
  • Refer friends for discounts
  • Join SmartDrive program
Read full description

There’s only one way to get the most OUT of your insurance. And that’s with the OUTsurance app. Whether it’s managing your policy, helping you in an emergency, making claims easy, or even getting discounts when you successfully refer a friend, it’s all doable wherever you are, 24/7. Top features: • Start quotes for car, home contents, buildings, life and business insurance products. • Buy a funeral plan or OUTthere on-demand life cover in a few taps. • Add a new valuable to your existing policy. • View your policy details and OUTbonus amount with the respective due date. • Refer friends and family and get R1000 off our premium for every successful referral. • Register for our SmartDrive programme and receive up to 10% discount on your premium. • Request emergency assistance for your car and your home, 24/7. • Add a contact person to your policy and edit your own contact details. • Request changes to your current policies. • Request documents, such as confirmation of cover and policy schedules. • Update your vehicle registration details. • Complete a windscreen and geyser claim in record time. • Submit a claim for your products. • Track your entire claims process.

Screenshots

Vault224 screens
OUTsurance4 screens

Verdict

The call

The clearest difference is ads: Vault22 at none against OUTsurance's shown. OUTsurance's advantage is rating (4.8 vs 4.5) and ratings volume (384 vs 51). On price, review sentiment, update cadence and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

OUTsurance holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: OUTsurance has 384 ratings behind it against 51, so its average is the more settled of the two. Written reviews split almost evenly too, at 62% and 62% positive.

UpkeepUpdate frequency

Vault22 ships an update every 9 days, OUTsurance fortnightly. The most recent releases landed on October 23, 2026 and October 21, 2026 respectively.

Scorecard3 real differences · 7 level
Vault22 versus OUTsurance: the parameters behind the verdict, then further details
ParameterVault22OUTsurance
PriceFreeFree
Rating4.5 (51 ratings)4.8 (384 ratings) — better
Positive reviews61.9% of reviews62.1% of reviews — better
Number of ratings51384 — better
Update frequencyEvery 9 days — betterFortnightly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.1 — better15.6
Further details — not scored
Size119 MB81 MB
Age rating12+4+
DeveloperVault22 Financial Ltd.OUTsurance

Customer experience

Vault22

All ratings51 ratings
Positive84.3%
Neutral7.8%
Negative7.8%
Written reviews42 reviews
Positive61.9%
Neutral11.9%
Negative26.2%

OUTsurance

All ratings380 ratings
Positive97.9%
Neutral0.5%
Negative1.6%
Written reviews66 reviews
Positive62.1%
Neutral13.6%
Negative24.2%

Bugs and requests

Vault22

Not enough reviews yet to summarise bugs or requests.

OUTsurance

Reported bugs

13 issues
  • App keeps logging out frequently
  • Smart Drive requires location services but permission is not requested
  • App crashes after updates
  • Inaccurate policy data displayed in the app
  • Cannot add members to policy
Show 8 more
  • Vehicle tracking not recording trips
  • Biometric login is not functional
  • Registration process for existing clients is broken
  • App does not open after latest update
  • Scanning barcode on license disc closes the app
  • App doesn't show tracking on iPhone
  • Email required error when loading info during vehicle insurance
  • App keeps saying email is required when it's provided

Requested features

8 requests
  • Add ability to view last five years of claims details
  • Increase font size based on device settings
  • Allow points man requests after trip completion
  • Enable fingerprint access for login
  • Improve Smart Drive functionality for non-policyholders
Show 3 more
  • Add dark mode option
  • Improve app compatibility with older devices
  • Allow viewing of policy details for multiple vehicles under one policy

In-app purchases

None

Vault22

No in-app purchases

None

OUTsurance

No in-app purchases

Questions

Is Vault22 free?
Vault22 is free to download, with no in-app purchases.
Is OUTsurance free?
OUTsurance is free to download, with no in-app purchases.
Which has better reviews, Vault22 or OUTsurance?
OUTsurance is rated higher. Vault22 averages 4.5 out of 5 from 51 ratings, while OUTsurance averages 4.8 from 384 ratings.
Do Vault22 or OUTsurance have ads?
OUTsurance shows ads; Vault22 does not.
Which is updated more often, Vault22 or OUTsurance?
Vault22 ships an update every 9 days, and OUTsurance fortnightly. Most recently, Vault22 was updated on October 23, 2026 and OUTsurance on October 21, 2026.

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