# Vault22 vs Santam app

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.

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 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.

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

## The numbers

| Metric | Vault22 | Santam app |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (51 ratings)](https://appshunter.io/ios/app/vault22/id611120440/reviews)** | [4.3 (14 ratings)](https://appshunter.io/ios/app/santam-app/id937753243/reviews) |
| Number of ratings | **51** | 14 |
| Positive reviews | **61.9% of reviews** | 33.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 121 MB | 97 MB |
| Requires iOS | **15.1** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 12+ | 4+ |
| Developer | [Vault22 Financial Ltd.](https://appshunter.io/developer/1676406067) | [Santam](https://appshunter.io/developer/589443605) |

## 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


### Santam app

[App page](https://appshunter.io/ios/app/santam-app/id937753243)

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:** Vision Pro support

**In-app purchases:** none


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