22seven is South Africa’s best budgeting app. We support over 120 financial institutions including major banks like Absa, Capitec, FNB, Nedbank, Standard Bank, TymeBank, Discovery Bank and more. With backing by Next176 and Old Mutual- one of South Africa’s most trusted financial institutions- you're in safe hands!
Here’s how it works:
See all your money in one place.
Link bank accounts, credit and store cards, investments, loans, rewards and more from over 120 South African financial institutions. Get a full picture of your net worth and watch it grow as you make small changes.
Track your spending across different categories and merchants.
View transactions, create filters and learn about your spending habits at a glance.
Set budgets you can stick to.
Planning where your money will go helps you prioritise what's important and reduces impulse shopping. See exactly how much you spend on what each month. Know what you‘ve already spent and have left to spend. Activate spending alerts and we’ll let you know when you’re getting close to reaching your budget.
Get personalised insights, regularly.
Our Nudges are hints and observations about your money and how your spending compares to other people like you. See things you didn’t know or hadn’t considered, and use your money better.
We take security very seriously.
Most importantly, 22seven is safe, secure, private and insured. We use the best security - the same measures as banks, governments and the military. The information you share is always encrypted and never seen by human eyes. Your info remains yours - always. So we won’t sell your data to third parties. That’s why over 580 000 South Africans use 22seven to boss their money.Some more features you may find useful:
No more separate statements or slips.
Your income and expense transactions are gathered and updated whenever you log in. See them all in one place and see all transaction history since you joined, for free! You can also add notes, visualise or export your spending data at any time.
Doing your tax return is made so much easier.
All your income and expenses are categorised and exportable to Excel. So you can also use your transactions in 22seven to rock your tax return.
Get really good support from real, live people.
Our support team, the Svens, are on hand to answer your questions from 8am to 8pm every day of the week via email and live chat.
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Vault22 FAQ
Is Vault22 free?
Yes, Vault22 is completely free and it doesn't have any in-app purchases or subscriptions.
Is Vault22 legit?
🤔 The Vault22 app's quality is mixed. Some users are satisfied, while others report issues. Consider reading individual reviews for more context.
22Seven was an amazing app. But it seems like all development, maintenance and support has stopped.
Nedbank accounts just don’t update anymore, with no reason. I can confirm this is a wide spread issue.
The app lacks critical security features, that should be standard on all platforms at this point such as 2FA. (2FA was requested many years ago, the teams said they were working on it, but still nothing).
Their support team doesn’t exist anymore, I’ve attempted multiple times to contact 22Seven support but every single time, no one is available.
Overall with the lack of development, security and maintenance, I don’t think anyone should trust 22Seven with their banking details.
Update issues with Absa-linked accounts
22seven has the potential to be a great app, but I am having issues with updating my accounts (mainly Absa accounts). Upon registering my Absa accounts the information was updated on 22seven, but after the initial registration no updates occur, despite the fact that I chose the daily update setting (per 22seven’s recommendation) and the notification I get daily from my Absa app that a log on has occured. This has been going on for mor than a month now.
Too Buggy
It used to be good, but now nothing updates and Capitec is completely removed. I tried automatic and manual updates and it hasn’t updated at all. Unusable.
Downward spiral
I understand the nature of the development process, but I am trulyshocked at how bad this update is. This once great and indispensable app is unfortunately getting worse and worse with each update, I think this latest “revamp” is the breaking point for me.
Now, the app takes forever to log in.
My bank accounts are really struggling to update, and some are more than 10days behind, rendering the app useless for me.
No, I do not want to contact support blah blah blah - I want to put my username and password and have the app work! The issues are too many to name, especially so since they are such trivial and core things.
Unfortunately going to have to switch to FNB smart budget as my daily driver, they have been catching up rather quickly.
Hire some professionals
Disappointing
The app is constantly glitching
Capitec bank
Hi I was excited to download the as I’ve read great reviews but only disappointed as I’m trying to link my bank but can’t seem to find Capitec in the long list of service providers
Best budget APP
A live budget up that helps you understand all your spending
account linked
Linking the bank account was an issue- error.
Main account info
I absolutely love this app, unfortunately my main account is from another local bank that is not on this app. Therefore this app will not work. Hope it will be added soon
Pdf statement import feature
How do we use the pdf statement feature you are referring to please give us the steps to follow in order to use the feature.
