Comparison

Vault22 vs Santam app

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

Santam app

Manage your insurance policies, request changes, and submit claims with ease. Get instant support for emergencies and track your claim status directly through the app.

Highlights
  • Policy portfolio access
  • Personalized user profiles
  • Policy change requests
  • SOS emergency button
  • Claim submission and tracking
Features
Read full description

The new and improved Santam Client App provides a range of features for Santam policyholders leading to an enhanced self-service experience. The registration and authentication process is effortless which allows users access to their Santam policy portfolio. User profiles can be personalized, policy information is presented in a more simplistic way and additional cover or policy changes can be requested in a few easy steps. The SOS emergency button is available for insurance related emergencies and will alert Santam’s emergency response team. Claims can be submitted and can be tracked in a few easy steps.

Screenshots

Vault224 screens
Santam app4 screens

Verdict

The call

The clearest difference is review sentiment: Vault22 at 62% against Santam app's 34%. Vault22 also leads on rating (4.5 vs 4.3) and update cadence (every 2 weeks vs monthly). Santam app's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and iOS requirement 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

Vault22 holds the better App Store score, 4.5 against 4.3. Both are backed by a comparable volume of ratings — 51 and 14 respectively. Written reviews point the same way: 62% of Vault22's written reviews are positive against 34% of Santam app's.

UpkeepUpdate frequency

Vault22 ships an update every 2 weeks, Santam app monthly. The most recent releases landed on September 20, 2026 and September 14, 2026 respectively.

Scorecard6 real differences · 4 level
Vault22 versus Santam app: the parameters behind the verdict, then further details
ParameterVault22Santam app
PriceFreeFree
Rating4.5 (51 ratings) — better4.3 (14 ratings)
Positive reviews61.9% of reviews — better33.9% of reviews
Number of ratings51 — better14
Update frequencyEvery 2 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better16.0
Further details — not scored
Size121 MB97 MB
Age rating12+4+
DeveloperVault22 Financial Ltd.Santam

Customer experience

Vault22

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

Santam app

All ratings14 ratings
Positive85.7%
Neutral0.0%
Negative14.3%
Written reviews56 reviews
Positive33.9%
Neutral12.5%
Negative53.6%

In-app purchases

None

Vault22

No in-app purchases

None

Santam app

No in-app purchases

Questions

Is Vault22 free?
Vault22 is free to download, with no in-app purchases.
Is Santam app free?
Santam app is free to download, with no in-app purchases.
Which has better reviews, Vault22 or Santam app?
Vault22 is rated higher. Vault22 averages 4.5 out of 5 from 51 ratings, while Santam app averages 4.3 from 14 ratings.
Do Vault22 or Santam app have ads?
Neither Vault22 nor Santam app shows ads.
Which is updated more often, Vault22 or Santam app?
Vault22 ships an update every 2 weeks, and Santam app monthly. Most recently, Vault22 was updated on September 20, 2026 and Santam app on September 14, 2026.

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