Stockvels, made safe and simple

Save together. Nobody holds the cash.

Join or start a Stockvel in minutes. Your money stays locked until everyone agrees — so you actually save.

Start saving See how it works
Free during the pilot · Start from R10 · Works on any smartphone
The problem

More month than money.

Most South Africans are broke before payday. A Stockvel puts money aside before it gets spent, and keeps it there.

76%run out of money before month-endTymeBank survey, 2019
28%are overdrawn the day before paydayStandard Bank data, 2024
11 millionSouth Africans already save in stockvelsNASASA
How it works

Four steps. No treasurer needed.

1Create or joinStart a Stockvel with 3 to 20 people, or request to join one near you.
2Agree the amountChoose a monthly amount and a payout date. Everyone signs the same rules.
3Add money any timePay your monthly amount, and top up from R10 whenever you have spare change.
4Get paid out togetherOn payout day, everyone gets back exactly what they put in. Fair, every time.
Why it's safe

Trust is built in, not borrowed.

No one person holds the moneyYour Stockvel's money is never in a member's pocket or personal account.
Everyone must agree to unlockMoney can only come out early if every single member votes yes.
Every rand on recordEvery payment is recorded for all members to see. No arguments, no missing pages.
How we keep your money safe →
Features

Everything your Stockvel needs, in one app.

My SavingsSee every rand you have saved, in every Stockvel, and what you would get back today.
DiscoverNo group to save with? Find a public Stockvel near you and ask to join.
LeaderboardSee who is leading, and who never misses. Consistency wins, not wealth.
ChatOne private, end-to-end encrypted chat per Stockvel, with voice notes and votes.
Fair ShareEveryone gets back exactly what they put in. Missed payments never cost anyone else.
A jar that fillsWatch your group's jar fill up with every payment, from R10 at a time.
For GogoSimpler than your banking app.Big text. A button that reads every screen aloud. Voice notes instead of typing. Your own language. Three taps to save.
For the hustlersSaving that feels like winning.Streaks, badges and a leaderboard in every Stockvel. R10 top-ups. December goals your whole crew can see filling up.
Savings calculator

See what your group can save.

No interest, no growth promised. Just what you put in, saved and paid back.

Each member gets back
R6 000
Group pot
R60 000
Founding members

Be one of the first to save with us.

Join the pilot waitlist. We'll send you an SMS when your area opens.

Or try the DEMO app now →

Questions

Is this an investment?

No. The Stockvel App is a savings platform. We never promise growth. What you put in is what you get out.

Who holds my money?

Never one person. Your Stockvel's money is kept where no single member can touch it, and every movement is recorded in the app for all members to see. During the pilot, all payments are DEMO payments and no real money moves.

Can I take my money out early?

Only if every member of your Stockvel votes yes. That lock is what helps you actually save.

What if someone stops paying?

Fair Share protects you: everyone gets back exactly what they paid in, so no one gains from someone else's missed payments, and no one loses what they saved.

What is the smallest amount I can add?

R10, any time.

How many people can be in a Stockvel?

From 3 to 20 people. A Stockvel starts once 3 people have joined.

See all questions

Your future self will thank you.

Start saving