Comparison

Vault22 vs SplitMate AI

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

SplitMate AI

Features
Read full description

SplitMate AI makes splitting bills simple, fast and stress-free. Whether you're at a restaurant, on holiday, sharing accommodation or splitting everyday expenses with friends, SplitMate AI helps everyone pay their fair share. Features: • Scan receipts with AI • Split bills fairly between multiple people • Combine payments for couples or groups • Spin the wheel to randomly choose who pays • Save and reload previous bills • Track your spending with statistics • Add tips instantly • Support multiple currencies • Share bill summaries with friends Designed to make group payments effortless, transparent and even a little fun. No complicated setup. No accounts required. Just split, save and share. Split smarter with SplitMate AI.

Screenshots

Vault224 screens
SplitMate AI4 screens

Verdict

The call

The clearest difference is ads: Vault22 at none against SplitMate AI's shown. On price, update cadence, in-app purchases and device support 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.

UpkeepUpdate frequency

Vault22 ships an update every 9 days, SplitMate AI fortnightly. The most recent releases landed on October 7, 2026 and October 4, 2026 respectively.

Scorecard1 real difference · 9 level
Vault22 versus SplitMate AI: the parameters behind the verdict, then further details
ParameterVault22SplitMate AI
PriceFreeFree
Rating4.5 (51 ratings) — better—
Positive reviews61.9% of reviews—
Number of ratings51 — better—
Update frequencyEvery 9 days — betterFortnightly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size121 MB39 MB
Age rating12+4+
DeveloperVault22 Financial Ltd.CHRISTOPHER KOZHAYA SAAD

In-app purchases

None

Vault22

No in-app purchases

None

SplitMate AI

No in-app purchases

Questions

Is Vault22 free?
Vault22 is free to download, with no in-app purchases.
Is SplitMate AI free?
SplitMate AI is free to download, with no in-app purchases.
Do Vault22 or SplitMate AI have ads?
SplitMate AI shows ads; Vault22 does not.
Which is updated more often, Vault22 or SplitMate AI?
Vault22 ships an update every 9 days, and SplitMate AI fortnightly. Most recently, Vault22 was updated on October 7, 2026 and SplitMate AI on October 4, 2026.

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