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Vault22 vs 22seven

If you used 22seven, here’s what you’ll recognise in Vault22, what’s new, and how to pick up where you left off.

Last checkedOctober 2026Reviewed byThe Vault22 team

The short answer

22seven became Vault22 on 31 October 2024, after merging with SC Ventures’ Autumn. What you used 22seven for still works, such as linking your accounts into one view and budgeting from your real spending. You can now also plan debt, invest, share with your household and ask Tara, a specialist AI and personal financial assistant, what deserves your attention next. Start Free, and unlock more with Basic and Premium.

Side by side

22seven then, Vault22 now.

Bank connectionsVault22 (now)Connect 300+ South African institutions, plus banks in the UAE, the US, the UK, Canada and 17 more countries across Europe, including cards, loans and investments22seven (then)Focused purely on South African banking connections.

Pricing and tiersVault22 (now)Start free. Basic and Premium add more features22seven (then)Free

Shared and household budgetingVault22 (now)Family Circle, so your household can plan together, with privacy for each member22seven (then)None

Debt payoffVault22 (now)See everything you owe in one place and compare Snowball and Avalanche payoff plans22seven (then)None

Savings goalsVault22 (now)Set savings goals, including shared goals with your household, and track progress from payday to payday22seven (then)Basic goal tracking

Investing and marketplaceVault22 (now)Invest in South Africa and the UAE, and compare 57 products from 26 providers side by side22seven (then)None

Guidance (Tara)Vault22 (now)Tara helps you understand your options and decide what comes next22seven (then)None

Security and data storageVault22 (now)Read-only connections through regulated data providers, with 256-bit encryption in transit and at rest22seven (then)Read-only connections, with your data kept secure

Multi-currency and regionsVault22 (now)South Africa, the UAE, the US, the UK, Canada and Europe, with 155+ display currencies. Premium brings multiple regions into one view22seven (then)South Africa

22seven details checked with Vault22 in October 2026.

Vault22 may receive fees or commissions from some providers when you take up their products or offers through our platform; the choice remains yours.

The rebrand

What you’ll recognise, and what’s new.

What you’ll recognise
Your bank accounts, cards, loans and investments in one view. Budgets built from your real transactions. A free way to track your money. Transaction exports as a CSV file.
What’s new
Debt payoff approaches you can compare, and net worth tracking. Investing in South Africa and the UAE. Family Circle, so your household can plan together. A marketplace to compare financial products side by side. Tara, to help you understand your options. Free, Basic and Premium, so you choose what you need.

How it happened

From 22seven to Vault22.

2012
22seven launches
22seven launches in South Africa as a free app that brings your accounts into one view.
31 October 2024
Vault22 launches
22seven becomes Vault22, following its merger with SC Ventures’ Autumn.
March 2026
Vault22 in the UAE
Vault22 launches in the UAE, with Tara and Shariah-compliant portfolios.

Coming back

Picking up where you left off.

01
Open Vault22
Sign in with your existing details, or create a new profile in a few minutes.
02
Reconnect your accounts
See where things stand today, and what’s changed since you last checked in.
03
Choose your next step
Review your budget, compare debt payoff approaches, or ask Tara what deserves attention first.

If you liked 22seven as it was

You can keep tracking your accounts in one place on the Free tier, and explore the rest when it’s useful to you.

FAQs

Common questions about 22seven and Vault22.

Contact

22seven became Vault22 on 31 October 2024, after merging with SC Ventures’ Autumn. You can still link your accounts and budget from your real spending, as you did on 22seven.

Yes. Free is a complete app, not a trial, with unlimited account connections. Basic and Premium add daily updates, your full history and lower investment fees.

Vault22 has three shareholders: SC Ventures (Standard Chartered), Old Mutual and Franklin Templeton.

Your data is encrypted in transit and at rest, and held with secure, regulated data partners. Vault22 never sells your personal data.

We review this page quarterly and update the date at the top whenever something changes.

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