# Vault22 vs Ettina

The clearest difference is review sentiment: Ettina at 100% against Vault22's 62%. Ettina also leads on rating (5.0 vs 4.5) and iOS requirement (13.0 vs 15.1). Vault22's advantage is ratings volume (51 vs 1) and update cadence (every 9 days vs every 3 weeks). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Ettina holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Vault22 has 51 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 62% of Vault22's written reviews are positive against 100% of Ettina's.

Vault22 ships an update every 9 days, Ettina every 3 weeks. The most recent releases landed on November 10, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Vault22 | Ettina |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (51 ratings)](https://appshunter.io/ios/app/vault22/id611120440/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/ettina/id6755971689/reviews)** |
| Number of ratings | **51** | 1 |
| Positive reviews | 61.9% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 127 MB | 88 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 12+ | 17+ |
| Developer | [Vault22 Financial Ltd.](https://appshunter.io/developer/1676406067) | [Spatial Connect Ltd](https://appshunter.io/developer/1712171601) |

## What reviewers say

### Vault22

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

This platform acts as a personal financial coach, connecting your accounts from hundreds of institutions to provide a holistic view of your finances. It offers tools for budgeting, spending analysis, debt management, and personalized insights to help you improve your financial wellness.

**Highlights:** Connects hundreds of financial institutions, Gamified financial fitness levels, Consolidated view of all accounts, Detailed spending insights and tracking, Customizable budgeting tools, Personalized financial nudges, Debt management strategies, Export financial data for taxes

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 💡 Great for financial visibility
- 💡 Helps with budgeting
- 💡 Tracks spending accurately
- 💡 Motivates debt reduction

**What reviewers complain about**

- 🐛 Not working anymore
- 🐛 Cannot login
- 🐛 New update is awful
- 🐛 Design is not iOS
- 🐛 Too congested

**Reported bugs**

- Cannot login
- Not working anymore
- New update is awful
- Too buggy
- Some functionalities removed

**Requested features**

- Pull data from Capitec
- More prominent Nudge feature
- Render charts based on habits
- Nudges when about to buy impulse items
- iPad support


### Ettina

[App page](https://appshunter.io/ios/app/ettina/id6755971689)

Effortlessly split expenses from various sources like receipts, emails, and chat screenshots. The AI automatically identifies who owes what and handles the collection process, eliminating manual tracking and awkward follow-ups.

**Highlights:** AI expense extraction, Automated debt calculation, In-app payment requests, Real-time settlement tracking, Supports various input formats

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Vault22 free?

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

### Is Ettina free?

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

### Which has better reviews, Vault22 or Ettina?

Ettina is rated higher. Vault22 averages 4.5 out of 5 from 51 ratings, while Ettina averages 5.0 from 1 ratings.

### Do Vault22 or Ettina have ads?

Neither Vault22 nor Ettina shows ads.

### Which is updated more often, Vault22 or Ettina?

Vault22 ships an update every 9 days, and Ettina every 3 weeks. Most recently, Vault22 was updated on November 10, 2026 and Ettina on October 30, 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.*