In today’s fast-paced world, saving money often feels like a chore.
But what if saving happened automatically, behind the scenes, without you even noticing? Thanks to these five South African apps, that’s now a reality.
Whether you’re looking to stash away spare change, earn cashback, or grow your money with minimal effort, these apps do the work for you.
1. Stash by Liberty
Stash rounds up your daily purchases to the nearest R10 and invests the difference into a tax-free investment account. You can also earn bonus contributions by walking or shopping at partner stores.
Perfect for: Beginners who want to save without lifting a finger.
2. upnup
upnup lets you automatically invest small amounts every time you swipe your card. You can invest in Bitcoin, stablecoins (like USDC), or traditional savings portfolios.
Perfect for: Anyone curious about crypto or looking for a passive savings tool.
3. SnapnSave
Buy items listed in the app, snap a photo of your receipt, and earn real cash back — not points or discounts, just actual money deposited into your wallet.
Perfect for: Shoppers who want rewards for buying everyday essentials.
4. 22seven by Old Mutual
22seven connects to all your bank accounts and automatically tracks your spending. It helps you budget smarter and identify savings opportunities without spreadsheets or stress.
Perfect for: People who want a bird’s-eye view of their finances.
5. TymeBank GoalSave
TymeBank’s GoalSave lets you set up multiple savings goals with increasing interest rates — up to 11% if you give 10 days’ notice before withdrawing.
Perfect for: Goal-oriented savers who want great returns without long lock-ins.
Pro tip:
Combine these apps for the ultimate effortless savings plan.
Example: Use Stash to invest spare change, SnapnSave for cashback, and TymeBank to park that cash in a high-interest GoalSave account.
Start smart. Save automatically
You don’t need big income or complicated plans to save. With these apps, every swipe, step, or slip can help you grow your money — without even thinking about it.
