Cashback is supposed to be a reward. Somewhere along the way, though, it became a chore — rules to learn, categories to activate, and caps to watch, all standing between you and money that was meant to be yours.
At Vaultly, we think that's backwards. The rewards on your spending should be the easiest thing your account does, not a game you have to play well to win.
So you earn up to 3% back on everyday purchases, credited automatically, with no opting in and no fine print. Here's how it actually works, and why most programs don't.
On paper, most rewards programs look generous. In practice, they're designed with just enough friction to keep a lot of that generosity from ever reaching you. Rotating categories are the classic example. One quarter it's groceries, the next it's petrol, and unless you remember to opt in and shape your spending to match, you earn the base rate on everything else.
It turns a reward into homework. You end up tracking which card to use where, and the mental overhead often costs more than the cashback is worth.Then there's the cap. Many programs quietly switch off your earning once you hit a monthly limit — usually right around the point where your spending, and your rewards, start to matter. The effect is that the people who would benefit most from cashback are the ones most likely to run into its ceiling, often without ever noticing it happened.
We stripped all of that away. You earn up to 3% back on everyday purchases, credited automatically to your account, with nothing to switch on and no categories to follow. You spend the way you already do — groceries, coffee, the occasional flight — and the rewards land on their own. There's no calendar to track and no clever routing to remember.
Because the cashback goes straight to your balance, there's no points system to manage either. Nothing to redeem, nothing to convert, and no expiry date quietly ticking down. Your earning has no ceiling. Whether it's a quiet month or a busy one, the rate keeps applying to every eligible purchase, so you never wonder whether this transaction still counts. Over a year, that adds up. The money you were always going to spend starts working a little in your favour — cashback the way it should have worked all along.
Saving and investing tools that scale with you, from your first deposit to your biggest goal.
Real people, ready around the clock, for the moments an app alone cannot solve.
Spend and send across borders at real exchange rates, with no surprises on the statement.
You expect money to move the instant you tap send — no holds, no waiting, no fine print.
When a bank can't deliver that, it isn't just behind on features — it's behind on your life.
So we built a neo-bank on modern rails — engineered to move at the speed you actually live.
Because when your money moves in the right direction, you get where you're going faster.
