--- title: "Vault Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Vault Software - reviews, pricing plans, popular comparisons to other Online Banking products and more." source_url: "https://www.capterra.com/p/181750/Vault/" page_type: "product" language: "en" --- # Vault Software Review 2026: Features, Reviews, Integrations, Pros & Cons Last updated on September 16, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Vault ## What is Vault? Thought Machine has built cloud-native core banking and payment technology that runs natively in the cloud. Vault Core and Vault Payments give banks complete flexibility and control to build financial products and process payments. Vault Core's innovative product-building framework allows banks to easily migrate existing backbook products, create new products, and integrate with third-party services through its API-first architecture. Thought Machine's core banking solution is trusted by leading global banks to modernise their technology stack with an operationally resilient platform that takes advantage of the unique capabilities of cloud infrastructure. ## What is Vault used for? [Online Banking](https://www.capterra.com/online-banking-software/)[Banking Systems](https://www.capterra.com/banking-systems-software/) Top alternative Featured Overall rating Based on 6 user reviews Reviews sentiment Positive \- Neutral \- Negative \- Contact vendor for pricing Free trial not available Free version not included Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Vault?[Manage this product listing](https://www.g2.com/products/thought-machine/claim_requests/new?auto=true) ## Vault Overview Updated September 2026 AI summary Vault provides banking systems software for organizations of all sizes, offering tools for core banking, multi-branch operations, online banking, and transaction monitoring. With deployment options across cloud and major operating systems, Vault supports additional needs such as credit card management, lending, investment and private banking, and multi-currency, making it adaptable for varied banking requirements. ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Vault 4.8 (6) VS. [4.4 (69)](https://www.capterra.com/p/111334/TEMENOS-T24/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.3 (6) Ease Of Use 4.4 (274) Value For Money 4.8 (5) Value For Money 4.2 (269) Customer Service 4.0 (2) Customer Service 4.1 (265) ## Vault alternatives [Qonto](https://www.capterra.com/p/173384/Qonto/) [4.5 (274)](https://www.capterra.com/p/173384/Qonto/reviews/) Starting price $9.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 89% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/173384/Qonto/) [Chime](https://www.capterra.com/p/228456/Chime/) [4.6 (104)](https://www.capterra.com/p/228456/Chime/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 89% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/228456/Chime/) [Plaid](https://www.capterra.com/p/174384/Plaid/) [4.4 (106)](https://www.capterra.com/p/174384/Plaid/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 86% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/174384/Plaid/) Highest Rated [Mercury](https://www.capterra.com/p/10035709/Mercury/) [4.9 (58)](https://www.capterra.com/p/10035709/Mercury/#reviews) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 98% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/10035709/Mercury/) [View all alternatives](https://www.capterra.com/p/181750/Vault/alternatives/) ## FAQs about Vault Overview ### What company size and specific industries is Vault built for? Vault is designed for banks, financial institutions, fintech companies, and payment processors of all sizes. It is built for organizations in the financial services sector that need software suited to regulated payment and banking environments. Features and Usability ### What are the key features of Vault? Vault offers core banking features such as customer accounts, online banking, electronic payments, transaction history, and transaction monitoring. It also includes financial management, audit management, role-based permissions, rules-based workflow, real-time analytics, real-time monitoring, and third-party integrations across multi-branch and multi-currency operations. Integrations ### Which third-party tools and platforms does Vault integrate with? Vault connects natively to MuleSoft Composer. Getting Started and Support ### What training and onboarding options does Vault offer? Vault provides in person training, webinars, documentation, and videos to help teams get started. In person sessions support guided instruction, webinars allow live online learning, documentation offers written reference material, and videos provide visual walkthroughs for self-paced review. Getting Started and Support ### What customer support options does Vault offer? Vault provides email/help desk, FAQ/forum, knowledge base, phone support, 24/7 live rep, and chat. User feedback on support quality is not available here, so the support experience cannot be assessed for response speed, helpfulness, or common frustrations. ## Features AI summary Based on 216 Online Banking reviews Capterra reviewers highlight these as the features buyers care about most when choosing banking systems: - **Secure Login** (**78%** of reviewers rated this feature as critical) - **Core Banking** (**64%**) - **Transaction Monitoring** (**51%**) Vault includes **Core Banking** and **Transaction Monitoring**, giving financial institutions the tools to manage daily banking operations and track account activity for oversight and risk control. However, it does not include **Secure Login**. Instead, it offers other important capabilities that reviewers also value, such as **Transaction History** (**52%**) and **Online Banking** (**48%**), helping businesses maintain visibility into past activity and provide customers with digital access to their accounts. Together, these features help teams manage core services, monitor transactions, and support customer banking needs more effectively. Accounting Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. Activity Dashboard Dashboard to view the status of ongoing processes, identify current incidents and track past activities API Application programming interface that allows for integration with other systems/databases Audit Management Plan, schedule, and execute organization's accounts and assets to ensure compliance with policies and laws Core Banking Back-end system that processes daily banking transactions and posts updates to accounts and other financial records. Corporate Banking Banking that services corporate customers, from SMBs to multinational enterprise corporations with large financial stakes. Vault 28 features ### All Features - Accounting: Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. - Activity Dashboard: Dashboard to view the status of ongoing processes, identify current incidents and track past activities - API: Application programming interface that allows for integration with other systems/databases - Audit Management: Plan, schedule, and execute organization's accounts and assets to ensure compliance with policies and laws - Core Banking: Back-end system that processes daily banking transactions and posts updates to accounts and other financial records. - Corporate Banking: Banking that services corporate customers, from SMBs to multinational enterprise corporations with large financial stakes. - Credit Card Management: Financial system that helps create and manage physical/digital credit cards and track transaction activities - Credit Card Processing: Accept and process credit card transactions - Credit Union: Non-for-profit financial institution that is owned by all of its members - Customer Accounts: Record customer information, purchase history, and other notes - Electronic Payments: Electronically collect payments for goods or services - Financial Management: Plan, manage, and track the financial activities of an individual or organization - Investment Banking: Division of banking that assists individuals or organizations raise capital and provide financial consulting services. - Lending Management: Initiate, finance, and manage the complete life cycle of loans and cultivate relationships with borrowers - Multi-Branch: Expand services to areas outside of the home location, functioning as an extension of the home location. - Multi-Currency: Manage and handle various international currencies - Online Banking: Ability to manage transactions online with a mobile device or computer. - Private Banking: Banking and financial services designed for clients with a high level of income and/or sizable investment assets. - Real-Time Analytics: Analyze and gain insights into data in real-time - Real-Time Data: Receive data and information in real time - Real-Time Monitoring: Active monitoring of systems, applications, or networks - Retail Banking: Division of banks that focus specifically on retail customers. - Role-Based Permissions: Set & manage permission levels based on user roles and restrict access to only authorized individuals - Rules-Based Workflow: Automates and streamlines business processes by creating a sequence of predefined rules and actions that govern the flow of work - Third-Party Integrations: Set up connections to third-party platforms to improve business processes - Transaction History: Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period - Transaction Monitoring: Monitor or audit historical and current transactions to analyze customer account activities - User Management: Manage user accounts, profiles, roles, permissions, and other details across applications, devices or networks --- Features 4.3 (6) 4.3 Based on 6 reviews ## Pricing Value for money 4.8 (5) Value for money 4.8 (5) 4.8 Based on 5 reviews ## Integrations [ MuleSoft Composer](https://www.capterra.com/p/247651/Mulesoft-Composer/) ## Support, customer service and training options Customer Service 4.0 (2) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.0 (2) 4.0 Based on 2 reviews ## User reviews Overall rating 4.8 Based on 6 reviews Filter by rating 5(5) 4(1) 3(0) 2(0) 1(0) Mentioned topic Sorted by most recent SM SUPROTIK M. Software analyst Information Technology and Services ### "Time to use vault!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 July 17, 2021 Pros The data management tools available for the purpose Cons Could be made easier to work and to navigate through the tool Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. MH Mandi H. Client Advisor Marketing and Advertising ### "Vault is great!" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 9/10 September 29, 2020 Pros It's easy to use and reliable. A lot better than the cloud service we were using before. Cons There's a few glitchy things that happen, as well as the interface could be a bit more user friendly. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. MJ Mandy J. Client Success Manager Design ### "Vault Helps My Team Stay Organized! " 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 September 25, 2020 Overall, Vault has been a great help to my team and project management! Pros The best function that Vault provides to me and my team is the ability to store countless amounts of information and files without the fear of losing them! It also makes it really easy for me to share what I need in a convenient link to one of my coworkers. I love that! Cons There has been a few times where I could not get into vault so I had to have my team restart the software, which caused me delays in a multiple projects. Reasons for choosing Vault I was not the one who decided on Vault. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. BD Becca D. Project Manager Marketing and Advertising ### "Love how much Vault can do!" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 July 31, 2020 Vault helps our company have a central file saving and sharing system that works really well! We have one central place where we can save things and keep it organized so things don't get lost and we don't waste time looking for various files. Pros My absolute favorite thing about Vault is that is has so many features and functions to help you save and organize your files. You can create various 'vaults' and then folders and subfolders and it makes everything so easy to find. There are also a ton of different things you can do with a file/folder. You can share files, create a file upload link so someone else can upload to it, etc. There are so many things that Vault does, I love it! Cons My least favorite thing about Vault is how sometimes links that are created randomly break and are not accessible so I have to set up another link. This does not happen that often, but when it does it can take several minutes to figure out where the link was at so I can create another one. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. MC Meg C. Project manager Marketing and Advertising ### "Awesome File Sharing and More! " 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 9/10 July 28, 2020 Vault has been so awesome for our company. We have tried other file sharing softwares, but vault allows us to save so much more for a better price and it is easy for anyone on our team to access! Pros The absolute best thing about Vault is that you can easily save anything in organized folders and create links so others can also find what you saved in Vault! Cons We had a issue with creating too many links to folders so we had to start putting time limits on links, adds another step when creating a link which can be annoying. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. KG Kate G. Project Manager Marketing and Advertising ### "Great Storage and Shared Files System" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 8/10 December 15, 2019 This solves the problem of paying for large space on shared files systems or dropboxes. Pros Vault makes it easy to share files through a link or requesting files through a link! I love how you can create links to folders that give access to people just to that folder! Cons Sometimes the software trips up when I want to go back on folder and it takes me all the way back to the main Vault folder, I wish the movement between folders was smoother. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. 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