Vaultus Adult-Creator Accounts: What’s the Catch?
Vaultus now advertises sign-ups for adult creators and agencies. Its incoming-payment fee deserves a close look; onboarding and payouts remain untested here.
By 20MG · Reviewed by Kyle, CEO · Updated 2 October 2026
Vaultus now advertises sign-ups for financial accounts aimed at adult creators and businesses in the UK and EU. Its current website offers “Sign up” and “Join Now” links, rather than only a waitlist. We have not tested eligibility, completed onboarding or received a platform payout, so those links are not proof of the operational experience. Vaultus website
The company explicitly includes OnlyFans creators and agencies in its intended audience. That makes this a relevant development for the industry: the underlying business is part of the sales pitch, rather than something a creator has to explain after opening an account. Whether that translates into dependable day-to-day service remains to be seen.
What would creators and agencies get?
Vaultus describes a personal account for sole traders, three standard business tiers — Bronze, Silver and Gold — and a bespoke Platinum tier. Its comparison lists bulk payments for Silver, Gold and Platinum, with accounting integrations in Gold and Platinum. The cheapest business tier therefore does not include every advertised feature. Vaultus account comparison
For an agency, our view is that payment administration is the more interesting part of the proposition. Paying several people individually takes time. A service that accepts the business model and supports roster payments could be useful, provided its eligibility rules, payment limits and actual performance fit the operation.
The fee to look at first
The published UK prices start at £5 a month for personal accounts. Standard business tiers cost £25, £35 or £45 a month, with a £50 opening charge; Platinum prices are set individually. The standard schedule also lists a 1% incoming-payment fee, subject to minimum charges, and foreign-exchange margins of 2%–2.5%. Platinum fees require a separate quote. Vaultus pricing
As a simple illustration for a standard tier, one £10,000 incoming payment would incur £100 under that percentage fee, before the monthly charge or any currency conversion and outgoing-payment costs. That is our calculation from the published rate, not a personalized quote.
The question for a creator is therefore whether the account solves a problem worth paying that amount to solve. Comparing monthly fees alone would miss the largest cost in that example. An agency should model its own incoming funds and outgoing payments rather than assuming a higher tier automatically makes the service economical.
This is not a new deposit-taking bank
Vaultus says its regulated services are provided in partnership with Equals Money. Equals describes itself as an authorized payment institution rather than a bank. That distinction affects how customer funds are protected. Equals on its payment-institution model
Equals states that money in its payment accounts is not covered by the Financial Services Compensation Scheme. Instead, it uses safeguarding: customer funds are held separately from the provider’s own money. Its explanation also acknowledges that insolvency could delay repayments and that administration costs could reduce the amount returned. Safeguarding should not be described as identical to bank-deposit protection. Equals FSCS explanation, safeguarding details
What would make this a meaningful improvement?
Our assessment is that advertised sign-ups make the practical checks more relevant. Can eligible creators complete onboarding and receive their normal platform payouts? Are account reviews handled clearly? Do support and transfers work when a payment is urgent? We have not established those outcomes.
Before changing payout details, a creator would need confirmation that their residency, business structure and specific income sources are accepted. An agency would also need to establish whose funds it may receive and which payment arrangements the provider permits. A website aimed at the adult industry does not answer those individual questions.
A small operational trial would provide more useful evidence than sign-up links alone. Vaultus has identified a clear audience. The test is whether the service and its costs make sense for the people it wants to serve.
For the wider business setup, see our guides to LLCs and sole proprietorships and creator tax records and obligations. Check which jurisdiction each guide covers before applying it to your circumstances.
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