Your personal account, the way it should be.
Everyday spending, savings, and transfers — all in the same app as your business account. One login. No juggling.
What you get
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A full current account — included on every plan
UK sort code & account number
A real account you can use with any employer, HMRC, or Direct Debit.
Vaulta Mastercard debit card
Physical card posted within 3–5 days. Virtual card available instantly in the app.
Instant payment notifications
Know the moment money moves, every time, with no delay.
Spending categories
Transactions automatically tagged — groceries, travel, subscriptions, and more.
Free internal transfers
Move money between your personal and business accounts instantly, at no cost.
What users say
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People who switched to Vaulta
“I used to juggle three apps just to manage invoices and check my personal balance. Vaulta replaced all of them. Paying myself a salary from my business account now takes about five seconds.”
Maya C. — Freelance UX Designer, Manchester
“The spending categories on the personal account are genuinely useful. I can see immediately how much I’ve spent on non-work things each month without opening a second app.”
Rían O. — Independent Web Developer, Dublin
“Finally a bank that speaks freelancer. Having one card for work and one for personal life — both managed in the same place — feels obvious once you’ve done it.”
Sara K. — Brand Consultant, Berlin
FAQs
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Questions about your personal account
Yes. You can open a Vaulta personal account on its own. However, most of our users open both — the real benefit of Vaulta is having everything in one place, with clean separation between the two.
Yes, always. There is no monthly fee for the personal account on any plan, including Free. You get a UK sort code and account number, a Vaulta debit card, and full access to the personal dashboard at no cost.
Yes — transfers between your Vaulta personal and business accounts are instant and free. Paying yourself a salary from your business account takes a few seconds.
Yes. You receive a Vaulta Mastercard debit card in the post within 3–5 working days. A virtual card is available immediately in the app for online purchases while you wait.
Yes. Vaulta is authorised and regulated by the Financial Conduct Authority. Funds held in your personal account are protected up to £85,000 under the Financial Services Compensation Scheme (FSCS).
Ready to simplify your finances?
Join thousands of freelancers who’ve ditched legacy banking. Open your free Vaulta account in minutes.