Vaultus Plans Adult-Creator Accounts. What’s the Catch?
A financial provider is explicitly welcoming adult creators and agencies. Its proposed launch is worth watching, but the incoming-payment fee deserves a close look.
By 20MG · Updated 7 September 2026
Vaultus is preparing to offer financial accounts to adult creators and businesses in the UK and EU. Its website currently gives a launch window of late September 2026 and is collecting waitlist registrations. This is an upcoming service, not an account we can report as generally available today. Vaultus’s announcement
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 and three business tiers. Its account comparison lists international transfers and cards, with bulk payments reserved for Silver and Gold. Accounting integrations sit in Gold. Those distinctions matter if you run a team: the cheapest business tier does not include every feature advertised across the service. 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. Business accounts cost £25, £35 or £45 a month, with a £50 opening charge. But the monthly subscription is only part of the cost: Vaultus also lists a 1% incoming-payment fee, subject to minimum charges, and foreign-exchange margins of 2%–2.5% depending on the tier. Vaultus pricing
As a simple illustration, 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 personalised 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 authorised 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 the launch is worth following, but the practical test comes after onboarding starts. Can eligible creators receive their normal platform payouts without unnecessary friction? Are account reviews handled clearly? Do support and transfers work when a payment is urgent?
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 a waitlist announcement. Vaultus has identified a clear audience. Its next job is to demonstrate that 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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