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Welcome, Vault22 users

Vault22

FinWise

FinWise is a strong Vault22 alternative for SA money

Q: Is FinWise better than Vault22 for South Africa?

It depends on the job. FinWise fits people who want a modern independent app, SA and international bank sync, multi-currency, and automatic Vault22 profile import, without in-app investment product sales. Vault22 fits people who want investment products in-app tied to their goals.

Q: Can I switch from Vault22 to FinWise without losing history?

Yes. Start a FinWise trial and use Import → Vault22 to bring across your full profile, then connect banks for ongoing sync.

Q: How much do FinWise and Vault22 cost in South Africa?

FinWise is R79.99 per month after a 14-day free trial. Vault22 publishes Free at R0, Basic at R75 per month, and Premium at R150 per month. Confirm Vault22 live in their app.

Q: Does FinWise sell investment products like Vault22?

No. FinWise is product-agnostic and subscription-funded. It does not sell you investment or banking products through the app.

Welcome if you are leaving Vault22 (formerly 22seven). Compare the differences fairly, then try FinWise free for 14 days, with automatic Vault22 import of your full profile for a seamless switch.

Start 14-day free trial

After the trial: R79.99/mo in SA. Cancel anytime. We never sell your data or sell you products.

Leaving Vault22? Switcher guide with import steps →

How is FinWise different?

FinWise

Vault22

Modern, intuitive design

FinWise has a clean, modern interface designed to be intuitive and easy to use, without giving up power.

Vault22

Familiar legacy layout

Vault22 keeps a familiar legacy layout that long-time 22seven users know well. Newer switchers often prefer a fresher interface.

Product agnostic

FinWise is independent and does not sell you financial products, so we stay focused on helping you manage your money.

Vault22

Sells products

Vault22 sits within a wider product ecosystem, so recommendations may include products they offer.

Fully multi-currency

Fully multi-currency, with bank syncing support in South Africa, the USA, Europe, and Canada.

Vault22

Limited multi-currency

Limited multi-currency support, with focus moving to the UAE.

Accurate auto-categorization

FinWise auto-categorizes transactions and improves as you correct it, so day-to-day tidy-up stays light.

Vault22

More manual tidy-up

Vault22 categorization works for many users, but often needs more manual tweaks to stay accurate.

Trends, analysis, and goals

Deeper trends and analysis so you can see spending patterns, net worth, and progress toward goals over time.

Vault22

Monthly spend summaries

Vault22 focuses on clearer monthly spend summaries and high-level insights.

Independent paid product, privacy first

FinWise charges a small subscription so we can stay independent. We respect your privacy and never sell your data or sell you products.

Vault22

Old Mutual ownership

Owned by Old Mutual; product incentives may differ.

Leaving Vault22? Move without starting over.

After the trial: R79.99/mo in SA. Cancel anytime. We never sell your data or sell you products.

Start 14-day free trial

Prefer a guided switcher walkthrough? See /vault22 →

When you might pick Vault22 instead

Vault22 is a natural choice if you are UAE-based, want household collaboration today, want to buy investment products in-app tied to your goals, are a long-time Old Mutual customer seeking tight integration with Old Mutual's investment and advisory products, or specifically want the 22seven legacy experience you already know. For South Africans who want a modern interface, multi-currency for cross-border accounts, and an independent product that does not sell you offerings in-app, FinWise is the better fit.

Migrating from Vault22 to FinWise

You can bring your full profile into FinWise with the automatic Vault22 importer for a seamless transition. Here is what to expect:

Start a FinWise trial. Create a FinWise account from the Vault22 switcher page and start the 14-day free trial. After the trial: R79.99/mo in SA. Cancel anytime.
Import your full Vault22 profile. In FinWise, choose Import → Vault22 and sign in with your Vault22 email and password. The automatic importer pulls your entire profile (accounts, transactions, categories, budgets, and more) for a seamless switch.
Connect your South African banks. The import is a snapshot. Link Capitec, FNB, Standard Bank, Nedbank, Absa, Investec, Discovery, and more so new transactions keep syncing.
Add cross-border accounts. If you also have USD, GBP, or EUR accounts, FinWise tracks them in their native currency and rolls everything into a single ZAR (or USD/GBP/EUR) net-worth view.

Also see: best budgeting apps in South Africa (Vault22 alternative roundup)

See what people say about FinWise

Paul K.

Excellent interface, super easy to use. By far the best money management and planning app I've used.

March 17, 2026

Sean P.

I've been looking for exactly the tool you are creating, so very excited for it! FinWise is much better than any other app.

Looking forward to using the collaborative budgeting you're building with my wife.

February 11, 2026

Matt C.

FinWise is the most beautiful money management tool, and I've tried them all. You guys have my vote!

March 20, 2026

Andrew G.

FinWise is so intuitive and powerful. No-brainer sub IMO.

November 12, 2025

Tom R.

I've tried all the budgeting apps, and FinWise is for sure my winner.

It's much nicer to use than the others, its snappy, intuitive and Jason and the team are extremely helpful.

October 1, 2025