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Top 7 Investment And Savings Apps In South Africa For 2025

In 2025, South Africans have more investment and savings options than ever before. Whether you're looking for high-interest savings, tax-free investments, or stock trading, there’s an app for you. With the increasing shift towards digital finance, investment and savings apps have become essential tools for securing a financial future.

In this article, we explore the top investment and savings apps in South Africa for 2025, focusing on their features, benefits, security, and user experience.

1. EasyEquities

Overview

EasyEquities is one of the most popular investment platforms in South Africa, allowing users to invest in local and international stocks, ETFs, and cryptocurrencies with low fees. It’s perfect for both beginners and experienced investors.

Key Features:

• Fractional Share Investing – Buy small portions of shares with as little as R5.

• Local and International Markets – Invest in companies from South Africa, the U.S., Australia, and more.

• Tax-Free Savings Account (TFSA) – Grow your wealth without paying tax on your returns.

• No Monthly Fees – You only pay a small transaction fee when buying or selling investments.

• User-Friendly Interface – Easy to use for beginners with educational resources available.

Security and Regulation:

EasyEquities is regulated by the Financial Sector Conduct Authority (FSCA) and uses bank-grade encryption for security.

User Experience:

The app is simple to use, and users love the low-cost investing options. It’s perfect for those looking to build long-term wealth.

2. SatrixNOW

Overview

SatrixNOW is a cost-effective investment app that specializes in Exchange Traded Funds (ETFs), making it easy for users to invest in diversified portfolios with low risk.

Key Features:

• Invest in ETFs with no minimum deposit.

• Tax-Free Savings Account (TFSA) available.

• Low management fees compared to traditional investment options.

• User-friendly platform for beginners and experienced investors.

Security and Regulation:

SatrixNOW is owned by Satrix, one of South Africa’s most reputable investment firms and is regulated by the FSCA.

User Experience:

Users enjoy the app’s simplicity and cost-effectiveness. It’s ideal for those looking for passive investing with minimal effort.

3. Franc App

Overview

Franc is a great option for new investors who want to start investing with as little as R10. It allows users to invest in money market funds and ETFs without hidden fees.

Key Features:

• Invest with just R10.

• No paperwork or complicated processes.

• Low fees – only 1% per year.

• Direct investment in the Allan Gray Money Market Fund and Satrix 40 ETF.

Security and Regulation:

Franc is FSCA-regulated, ensuring your funds are safe and secure.

User Experience:

Users appreciate the simplicity and transparency of the Franc app. It’s perfect for beginners who want to start investing without the complexities of traditional finance.

4. Stash by Liberty

Overview

Stash is a micro-savings and investment app that automatically invests spare change from daily transactions. It’s great for people who struggle to save consistently.

Key Features:

• Round-up savings – Automatically invest spare change.

• Tax-Free Savings Account (TFSA) option available.

• No monthly fees or investment minimums.

• Set up rules for automatic savings based on spending habits.

Security and Regulation:

Stash is backed by Liberty, one of South Africa’s largest financial institutions. It’s also FSCA-regulated.

User Experience:

Users love how easy it is to save and invest without even thinking about it. It’s perfect for passive savings and long-term wealth building.

5. Capitec Bank App

Overview

Capitec’s banking app isn’t just for transactions—it also offers investment and savings opportunities with some of the highest interest rates in South Africa.

Key Features:

• Open multiple savings accounts with customizable goals.

• Fixed deposit accounts with high-interest rates.

• Tax-Free Savings Account (TFSA) available.

• Integration with EasyEquities for stock market investments.

Security and Regulation:

Capitec is regulated by the South African Reserve Bank (SARB) and FSCA. The app uses multi-layer security features to protect user funds.

User Experience:

Users appreciate the seamless banking and investing experience within one app. The high-interest rates and low fees make it one of the most affordable options.

6. TymeBank GoalSave

Overview:

TymeBank is a fully digital bank offering high-interest savings accounts with no monthly fees. Their GoalSave feature rewards users with higher interest the longer they save.

Key Features:

• Earn up to 11% interest per year.

• Zero monthly fees.

• Withdraw anytime, but earn extra interest by giving 10 days’ notice.

• Instant sign-up through the app.

Security and Regulation:

TymeBank is fully licensed by the SARB and follows strict security protocols.

User Experience:

Users love the high-interest savings and the fact that they can earn more by keeping money saved longer.

7. Old Mutual Money Account

Overview:

The Old Mutual Money Account is a hybrid savings and investment account that automatically invests a portion of your transactions.

Key Features:

• A combination of a transactional account and investment account.

• Automated investment from everyday spending.

• Zero monthly fees.

• Competitive interest rates.

Security and Regulation:

Old Mutual is one of South Africa’s most trusted financial institutions and is fully regulated by SARB and FSCA.

User Experience:

Users enjoy the hands-off approach to investing. It’s perfect for those who want to save without having to think about it.

Conclusion

If you’re looking to save or invest in South Africa in 2025, these apps offer secure, affordable, and user-friendly options.

Which App Should You Choose?

• If you want low-cost stock investing, go for EasyEquities.

• If you prefer ETFs and passive investing, choose SatrixNOW.

• If you want to start small, Franc is the best option.

• If you need an automated savings solution, Stash by Liberty is great.

• If you prefer bank-integrated investing, use Capitec Bank App.

• If you want high-interest savings, TymeBank GoalSave is the top pick.

• If you want an all-in-one investment and savings account, try Old Mutual Money Account.

With so many reliable investment and savings apps, South Africans can now grow their wealth effortlessly. The key is to choose an app that fits your financial goals and start investing today.

Have you used any of these apps? Let us know your experience in the comments!