Minimum to qualify
Vault
USD 100,000 in liquid net wealth.
StashAway
No stated minimum for General Investing portfolios. Alternatives (private equity, private credit, private infrastructure) start at USD 20,000.
Comparison
Vault vs StashAway.
StashAway brings Singapore's robo playbook to the DIFC — algorithmic ETF portfolios, a goal-based app, and a low fee curve. Vault is built for clients who need fiduciary advice across planning, private markets, and family wealth — not a model portfolio.
StashAway runs a clean, app-based robo experience with a proprietary risk-managed framework (ERAA) and a tiered fee that drops to 0.2% at scale. Vault delivers dedicated, human, CFA- or CFP-led financial planning around a globally diversified core, with a satellite of private-market and thematic strategies.
Side-by-side
How we compare on the things that matter.
Dimension
Vault
StashAway
Minimum to qualify
USD 100,000 in liquid net wealth.
No stated minimum for General Investing portfolios. Alternatives (private equity, private credit, private infrastructure) start at USD 20,000.
Fee model
Single flat management fee, decreasing with portfolio size. No transaction fees on the core, no custody fees, no commissions, no retrocessions.
Tiered management fee: 0.8% p.a. on the first USD 25k, dropping to 0.2% p.a. above USD 1M (inclusive of VAT). Rebalancing, transaction and re-optimisation costs are included. ETF TERs (~0.2% average) sit on top.
Asset custody
Assets custodied with Interactive Brokers in your own name — fully segregated, SIPC + FDIC insured. Vault never takes possession of client funds.
Investable cash and securities are held in a segregated custodian account at Saxo Capital Markets Pte Ltd; AED/USD deposits move via an Emirates NBD trust account.
Regulation
FSRA-regulated in ADGM (UAE) and CMA-licensed in Saudi Arabia (licence 25313-20).
StashAway Management (DIFC) Limited is regulated by the Dubai Financial Services Authority (DFSA), firm reference F006312.
Advisor incentives
Advisors are salaried, with bonuses tied to client outcomes and retention — never to product sales, transaction volume, or in-house fund flows.
Algorithmic-first. There is no in-house dedicated fiduciary advisor relationship of the kind a private wealth client expects; revenue is the management fee on AUM.
Investment access
Globally diversified core via low-cost ETFs and bonds, plus a satellite with curated private-market opportunities, thematic strategies, and direct equity convictions.
ETF-based General Investing, Shariah, ESG/Responsible, Thematic (Technology, Healthcare, Environment) and a customisable Flexible portfolio, plus a small private-markets shelf (PE, private credit, infrastructure). No individual stocks or crypto.
Cash yield
SmartCash earns daily interest in AED, USD, EUR, and GBP — no lock-ins, no teaser rates, no minimum balance to earn the headline rate.
StashAway Simple targets a projected ~3.9% p.a. (net of fees) on USD cash, no lock-up. Rates are variable.
Planning model
Structured financial planning around your goals, cash flow, and family — delivered by a dedicated CFA- or CFP-qualified advisor, complimentary as part of the relationship.
Goal-based digital flow: enter a target amount and horizon and the app recommends a risk index. Planning is self-serve, not advisor-delivered.
Fee model
Vault
Single flat management fee, decreasing with portfolio size. No transaction fees on the core, no custody fees, no commissions, no retrocessions.
StashAway
Tiered management fee: 0.8% p.a. on the first USD 25k, dropping to 0.2% p.a. above USD 1M (inclusive of VAT). Rebalancing, transaction and re-optimisation costs are included. ETF TERs (~0.2% average) sit on top.
Asset custody
Vault
Assets custodied with Interactive Brokers in your own name — fully segregated, SIPC + FDIC insured. Vault never takes possession of client funds.
StashAway
Investable cash and securities are held in a segregated custodian account at Saxo Capital Markets Pte Ltd; AED/USD deposits move via an Emirates NBD trust account.
Regulation
Vault
FSRA-regulated in ADGM (UAE) and CMA-licensed in Saudi Arabia (licence 25313-20).
StashAway
StashAway Management (DIFC) Limited is regulated by the Dubai Financial Services Authority (DFSA), firm reference F006312.
Advisor incentives
Vault
Advisors are salaried, with bonuses tied to client outcomes and retention — never to product sales, transaction volume, or in-house fund flows.
StashAway
Algorithmic-first. There is no in-house dedicated fiduciary advisor relationship of the kind a private wealth client expects; revenue is the management fee on AUM.
Investment access
Vault
Globally diversified core via low-cost ETFs and bonds, plus a satellite with curated private-market opportunities, thematic strategies, and direct equity convictions.
StashAway
ETF-based General Investing, Shariah, ESG/Responsible, Thematic (Technology, Healthcare, Environment) and a customisable Flexible portfolio, plus a small private-markets shelf (PE, private credit, infrastructure). No individual stocks or crypto.
Cash yield
Vault
SmartCash earns daily interest in AED, USD, EUR, and GBP — no lock-ins, no teaser rates, no minimum balance to earn the headline rate.
StashAway
StashAway Simple targets a projected ~3.9% p.a. (net of fees) on USD cash, no lock-up. Rates are variable.
Planning model
Vault
Structured financial planning around your goals, cash flow, and family — delivered by a dedicated CFA- or CFP-qualified advisor, complimentary as part of the relationship.
StashAway
Goal-based digital flow: enter a target amount and horizon and the app recommends a risk index. Planning is self-serve, not advisor-delivered.
Why Vault
A wealth manager built around your interests, not the bank's.
Custody
Held in your name at Interactive Brokers.
Vault never takes possession of client funds. Assets sit in your own account at IBKR — segregated, with SIPC and FDIC protection on the underlying.
Incentives
Advisor incentives aligned with portfolio growth.
Vault advisors are salaried with bonuses tied to client outcomes and retention. No commissions, no kickbacks, no in-house product flows.
Regulation
Regulated in the UAE and Saudi Arabia.
Vault Wealth Limited is regulated by the FSRA in ADGM. Vault Saudi Limited Company is licensed by the CMA (licence 25313-20).
Entry point
Starts at USD 100,000 in liquid net wealth.
A genuine private-wealth relationship without the seven-figure threshold that defines traditional private banking.
Investment access
Private markets in the satellite.
Beyond the diversified core, Vault clients access curated private-market opportunities, thematic strategies, and direct convictions — the same shelf as larger institutions.
Planning
Structured financial planning by a dedicated advisor.
Goals, cash flow, risk, and family wealth — modelled end-to-end and reviewed continuously with a CFA- or CFP-qualified advisor who knows your name.
Cash
Daily-yielding SmartCash, no lock-ins.
Multi-currency cash earning daily interest in AED, USD, EUR, and GBP. Withdraw anytime — no teaser rates, no minimums, no surprises.
Curious how a fee-only relationship looks next to StashAway?
Book a complimentary discovery session with a Vault advisor. We'll walk through your current setup, model the all-in cost, and show you exactly what a Vault relationship would look like — no obligation.
Sources & disclaimers
Comparison data is taken from each provider's publicly disclosed materials as of May 2026. Bank fee schedules, minimums, and product shelves change frequently — always verify current figures with each institution before deciding. Nothing on this page is a solicitation to switch providers or a representation that Vault is better suited to a particular individual's circumstances. For independent advice tailored to your situation, speak with a regulated wealth advisor.