Personal Vault is essentially a partitioned sector of your OneDrive account. This could be a PIN or code sent via SMS, or via the Microsoft Authenticator app. (The basic OneDrive account just needs a single password to sign in, although users may opt for two-factor authentication.)  While its basic 5GB free account will remain unchanged, OneDrive is increasing the amount of storage in its basic plan from 50GB to 100GB without increasing its $ 1.99-per-month fee. Whether you have a paid or free OneDrive account, Personal Vault wants to be available to you, according to a Microsoft representative. Office 365 subscribers who already get 1TB of storage as part of their subscription may increase in 200GB increments, starting at $ 1.99 and going up to an additional 1TB for $ 9.99.
One small hitch in Personal Vault's quest to be's's secure storage: It's available to Windows 10 users running version 1903 and higher with the OneDrive sync client 19.106 or above, but Mac users are relegated to access it only via their browsers at onedrive.com. There's also a OneDrive app for both Android and iOS.
Microsoft says Personal Vault wants to be available soon "in Australia, Canada and New Zealand."