Comparison

Aani vs Vault

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

Head to head
About

Aani

This platform allows instant money transfers within the UAE using just a mobile number. It supports QR code payments, payment requests, and bill splitting for easy financial management.

Highlights
  • Instant fund transfers
  • Mobile number payments
  • QR-code based payments
  • Request to pay functionality
  • Split payments
  • Secure transactions
Features
Read full description

Aani: Your Gateway to Instant Payments in the UAE! Welcome to Aani, the cutting-edge payments platform brought to you by Al Etihad Payments, a subsidiary of the Central Bank of the UAE. Aani is here to revolutionize the way you handle your payments, offering seamless and secure instant payment services for your convenience. Why Choose Aani? With Aani, you can transfer funds swiftly and effortlessly, anytime, anywhere, 24/7. Experience the freedom of managing transactions up to AED 50,000 instantly, putting you in control of your finances like never before. Innovative Features for Your Ease: - Easy and convenient: Everyone in the UAE can now send money to friends and family using just a mobile number. - QR-Code Based Payments: Scan and pay swiftly using QR codes for hassle-free transactions. - Request to Pay: Request payments from friends, family, or clients with just a tap. - Split Payments: Easily divide bills and expenses among friends or colleagues without the hassle. Aani - Where Convenience Meets Security: We understand the importance of security when it comes to your finances. Aani is designed with robust security measures, ensuring your transactions are safe and your data is protected at all times. Experience the ultimate blend of convenience and peace of mind with Aani. Join the digital revolution today with Aani! Simplify your payments and enjoy the ease of instant transactions. Download the app now and embrace a future where your payments are just a tap away.

About

Vault

This app provides high-net-worth individuals with access to personalized wealth management guidance and investment opportunities. It offers a dedicated financial advisor, diversified portfolios, and exclusive access to private market investments.

Highlights
  • Personalized financial advisor
  • Diversified investment portfolios
  • Private market opportunities
  • Shariah compliant portfolios
  • 3.72% APY on idle cash
  • Secure custodian (Interactive Brokers)
Features
Read full description

Vault is UAE's first digitally-enabled private wealth management app for high-net-worth individuals. With Vault, you get access to personalized guidance from a dedicated financial advisor who's incentivized to put your best interests first, along with a suite of investment opportunities ranging from customizable diversified portfolios of equities and bonds, to private market opportunities* such as private equity and venture capital. Why Vault? Advice from experienced professionals: Our advisors combine the best of financial planning, asset allocation, tax advice, and investment banking. Each of our advisors are a true fiduciary - we not only prioritize your best interests but we're also bound by regulatory obligations and incentivized by them. Our advisors take the time to understand your current circumstances, identify and align on what your financial goals are (whether it's wealth preservation, education, retirement, or estate planning), create a plan to help you achieve your financial goals, and regularly monitor progress, adapt, and offer ongoing support. A custodian you can trust: When placing your money with a custodian, you need to make sure your custodian is secure and can endure through good and bad times. That’s why we chose Interactive Brokers. Your offshore account is opened directly in your name with the Custody Bank & Broker, Interactive Brokers. Your assets are protected by both the SIPC and the US FDIC. Invest with diversification at the core: At Vault, our investment methodology blends diversified portfolios of global equities and bonds, thematic investing (such as AI and sustainable energy), and private market strategies (such as private equity and venture capital) to safeguard and grow your wealth. For investors that would like to invest within the Islamic principles, we have created diversified portfolios with different allocations that are Shariah compliant. Earn 3.72%* on your idle cash with SmartCash: You earn interest each day your deposit is active with the ability to withdraw at any time. You can earn a competitive return without the pressure of timing the market. Rates are set by the US federal reserve. *SmartCash is available for USD, EUR, and GBP currencies and the rate varies depending on the currency. Exclusive access* to private market opportunities: Private market investments can enhance a portfolio's performance and the added diversification can help to reduce overall portfolio risk and improve long-term performance. The minimum investment to enter these opportunities is on average $3M-5M. *Vault offers private market opportunities at exclusive minimum investments as low as $100K for it's professional clients. Cutting-edge technology: Our integration with Onfido and Lean Technologies allows you to complete verification and make deposits seamlessly. Choose from a variety of exclusive investment offerings within minutes of signing up and having your account opened. View and manage your portfolio, whilst getting personalized guidance from our fiduciary advisors, all within the app. Get started with a complimentary financial planning session with a Vault advisor. No commitments or obligations. Or sign up for an account today. Vault Wealth Limited is a company incorporated in the Abu Dhabi Global Market ("ADGM") and is regulated by the Financial Services Regulatory Authority (FSRA) with a category 4 license for advising on investments and credit, and arranging deals with retail endorsement. Our registered office is at Office 108, 14th floor, Al-Khatem Tower, ADGM, Abu Dhabi, United Arab Emirates.

Screenshots

Aani4 screens
Vault4 screens

Verdict

The call

The clearest difference is review sentiment: Vault at 100% against Aani's 20%. Vault also leads on rating (5.0 vs 3.2) and update cadence (monthly vs every 2 months). Aani's advantage is iOS requirement (13.0 vs 16.4). On price, ratings volume, ads 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

Vault holds the better App Store score, 5.0 against 3.2. Both are backed by a comparable volume of ratings — 10 and 6 respectively. Written reviews point the same way: 20% of Aani's written reviews are positive against 100% of Vault's.

UpkeepUpdate frequency

Aani ships an update every 2 months, Vault monthly. The most recent releases landed on August 16, 2026 and September 9, 2026 respectively.

Scorecard4 real differences · 6 level
Aani versus Vault: the parameters behind the verdict, then further details
ParameterAaniVault
PriceFreeFree
Rating3.2 (10 ratings)5.0 (6 ratings) — better
Positive reviews20.0% of reviews100.0% of reviews — better
Number of ratings10 — better6
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better16.4
Further details — not scored
Size63 MB65 MB
Age rating4+17+
DeveloperAl Etihad PaymentsVault Wealth Limited

Customer experience

Aani

All ratings10 ratings
Positive50.0%
Neutral10.0%
Negative40.0%
Written reviews5 reviews
Positive20.0%
Neutral20.0%
Negative60.0%

Vault

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Aani

No in-app purchases

None

Vault

No in-app purchases

Questions

Is Aani free?
Aani is free to download, with no in-app purchases.
Is Vault free?
Vault is free to download, with no in-app purchases.
Which has better reviews, Aani or Vault?
Vault is rated higher. Aani averages 3.2 out of 5 from 10 ratings, while Vault averages 5.0 from 6 ratings.
Do Aani or Vault have ads?
Neither Aani nor Vault shows ads.
Which is updated more often, Aani or Vault?
Aani ships an update every 2 months, and Vault monthly. Most recently, Aani was updated on August 16, 2026 and Vault on September 9, 2026.

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