See how FinWise compares with Vault22

See what our customers say about FinWise vs Vault22 (previously 22Seven), and why they prefer FinWise.

FinWise	Vault22
Beautiful, intuitive design FinWise has a clean, modern interface designed to be intuitive, easy to use but still powerful.	Vault22 has a clunky and dated design, which can be difficult and slow to use.
Multi currency FinWise supports 100+ currencies worldwide, and you can link accounts from all over the world.	Vault22 does not support multi currency, and only works with South African banks.
Collaborative budgeting FinWise makes it easy to budget and manage your money collaboratively with your partner or family.	Vault22 has no ability to collaborate or share budgets with your partner or family.
Extremely accurate auto-categorization FinWise has an extremely accurate and reliable transaction auto-categorization engine which learns and improves as you use it.	Vault22 has unreliable transaction categorization that often requires manual adjustments and tweaks which can be tedious.
Comprehensive trends and analysis FinWise makes it easy to monitor spending trends with a comprehensive trends and analysis tool, allowing you to get deep insights into your finances.	Vault22 only has a basic monthly spend report with some high-level insights.
Private, secure and independent FinWise charges a small subscription fee to sustain the business and to remain independent, and we respect your privacy and will never sell your data.	Vault22 is owned by Old Mutual and they seem to be trying to sell Old Mutual products and services through Vault22.

When you might pick Vault22 instead

Vault22 is a natural choice if you are a long-time Old Mutual customer and want tight integration with Old Mutual's investment and advisory products, or if you specifically want the 22seven legacy experience you are already used to. For South Africans who want a modern interface, multi-currency support for cross-border accounts, household sharing, and a faster mobile experience, FinWise is the better fit.

Migrating from Vault22 to FinWise

You can bring your full history into FinWise in a few minutes. Here is what to expect:

Export your Vault22 data. From the Vault22 web app, export your transactions as CSV. You may need to export each linked account separately depending on your plan.
Sign up for FinWise. Create a free FinWise account. The free tier supports CSV import and manual accounts indefinitely.
Connect your South African banks. FinWise links Capitec, FNB, Standard Bank, Nedbank, Absa, Investec, Discovery, and more via Gathr — the leading open-banking aggregator in South Africa.
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.
Import your Vault22 history. Bring in your full CSV history. Categories are normalized automatically; you can adjust merchant rules afterwards.

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

Stephen T.

FinWise is simple, and it just works. Way easier to use than Mint or Monarch. I was all set up in a few minutes!

The UI is excellent, and the team is very responsive and always happy to help.

February 4, 2026

Mike A.

Cleaner and more affordable than Monarch and CoPilot, and much better for budgeting and trends.

December 24, 2025

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

Sarah P.

Yeah, I love FinWise! How have I not heard of you guys before?

I've moved over now from Monarch, really love what you are building!

October 5, 2025