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Top 7 Trusted Investment And Savings Apps In South Africa For 2025
As South Africa's financial technology sector continues to evolve, a variety of investment and savings applications have emerged, offering individuals innovative ways to manage and grow their wealth. In 2025, several apps stand out for their reliability, user-friendly interfaces, and robust features. Below is an in-depth look at some of the most trusted investment and savings apps available to South Africans:
1. Stash by Liberty
Overview: Stash is an investment app developed by Liberty Group Limited, designed to help users invest small amounts of money effortlessly. It offers a tax-free investment platform, making it an attractive option for those looking to maximize their savings without the burden of taxes.
Key Features:
- Automated Micro-Investments: Users can set the app to invest small amounts daily, such as rounding up purchases or setting fixed daily contributions.
- Weather-Based Savings: An innovative feature that allows users to invest money on sunny days, promoting consistent saving habits.
- Fitness Integration: Stash can link to fitness apps, enabling users to invest based on their physical activity, such as a certain amount per step taken.
- Tax-Free Savings: Investments made through Stash are tax-free, allowing users to maximize their returns.
- Security and Regulation: Stash is backed by Liberty Group Limited, a reputable financial services provider in South Africa. The app employs 128-bit bank-level security, ensuring that users' data and funds are protected.
User Experience: The app is designed for simplicity, making it accessible even for individuals new to investing. Features like automated savings and fitness integration make the process engaging and straightforward.
User Testimonials: Users appreciate the app's innovative approach to saving, particularly the fitness and weather-based features that make investing a part of daily life. The tax-free aspect is also a significant draw.
2. SatrixNOW
Overview: SatrixNOW is a digital investment platform that simplifies the process of investing in exchange-traded funds (ETFs). It is tailored for both novice and experienced investors looking to diversify their portfolios with low-cost investment options.
Key Features:
- Wide Range of ETFs: Access to various ETFs, including those tracking local and international indices, allowing for diversified investment strategies.
- Low Minimum Investment: Users can start investing with minimal amounts, making it accessible to a broad audience.
- User-Friendly Interface: The platform is designed to be intuitive, with tools and resources to assist users in making informed investment decisions.
Security and Regulation: SatrixNOW operates under the regulatory framework governing financial services in South Africa, ensuring compliance and security for investors.
User Experience: The platform is praised for its straightforward registration process and the ease with which users can select and invest in ETFs. Educational resources are available to help users understand different investment options.
User Testimonials: Investors appreciate the low fees and the variety of ETFs available, allowing for tailored investment strategies. The platform's transparency and educational support are also highlighted as significant benefits.
3. Franc
Overview: Franc is an investment app designed to make investing simple and accessible. It offers users the opportunity to invest in money market funds and ETFs without the complexities often associated with traditional investment platforms.
Key Features:
- Straightforward Investment Options: Users can choose between a money market fund for low-risk investments or an ETF for higher growth potential.
- No Minimum Investment: Franc allows users to start investing with any amount, removing barriers to entry.
- Transparent Fee Structure: The app charges a single, low management fee with no hidden costs.
Security and Regulation: Franc partners with established financial institutions to manage funds, ensuring that investments are secure and managed professionally.
User Experience: The app is designed with simplicity in mind, making it easy for users to sign up, choose an investment option, and start investing within minutes.
User Testimonials: Users commend Franc for demystifying the investment process and making it accessible to everyone, regardless of their financial background. The app's transparency and ease of use are frequently highlighted.
4. EasyEquities
Overview: EasyEquities is a popular investment platform in South Africa that allows users to invest in shares, ETFs, and other financial instruments both locally and internationally. It is known for its affordability and user-friendly approach to investing.
Key Features:
- Fractional Share Investing: Users can buy fractions of shares, making it possible to invest in high-priced stocks with smaller amounts of money.
- Diverse Investment Options: Access to a wide range of local and international stocks, ETFs, and other investment products.
- Educational Resources: The platform offers tools and information to help users make informed investment decisions.
Security and Regulation: EasyEquities is a registered financial services provider in South Africa, adhering to regulatory standards to ensure the safety and security of user investments.
User Experience: The platform is designed to be intuitive, with a straightforward sign-up process and an easy-to-navigate interface. Users can monitor their portfolios and make investments seamlessly.
User Testimonials: Investors appreciate the ability to invest small amounts and the access to a broad range of investment options. The educational resources and community support are also valued features.
5. Capitec Bank App
Overview:
The Capitec Bank App is not just a regular banking app—it also provides investment and savings opportunities for users. As one of the leading banks in South Africa, Capitec offers an accessible and affordable way for people to grow their wealth.
Key Features:
- Flexible Savings Plans: Users can open up to four additional savings accounts and customize their saving goals.
- Fixed-Term Deposits: Offers higher interest rates compared to regular savings accounts.
- Tax-Free Savings Account (TFSA): Allows users to save and invest without paying tax on interest earned.
- Goal-Based Savings: Users can automate deposits to meet their specific financial goals.
- Accessible Investment Options: The app links to EasyEquities, allowing users to invest in shares, ETFs, and bonds.
Security and Regulation:
Capitec is a fully regulated South African bank under the South African Reserve Bank (SARB) and the Financial Sector Conduct Authority (FSCA). Their app is protected by multi-layer encryption and biometric authentication for enhanced security.
User Experience:
The app is easy to use, even for beginners. It provides a seamless digital banking and investment experience, allowing users to save, invest, and track their progress in real time.
User Testimonials:
Many South Africans trust Capitec for its transparency, high interest rates, and low fees. Users appreciate the goal-setting feature and the fact that investing is integrated into their banking app.
6. TymeBank GoalSave
Overview:
TymeBank is one of South Africa’s leading digital banks, offering a GoalSave feature that helps users grow their savings effortlessly. It provides higher interest rates the longer users keep their money saved.
Key Features:
- High-Interest Savings: Users earn up to 11% interest per year, depending on how long they save.
- No Monthly Fees: Completely fee-free, making it one of the most cost-effective saving options in South Africa.
- Flexible Withdrawals: Users can withdraw anytime, but those who give 10 days’ notice earn extra interest.
- Instant Account Opening: Users can open a GoalSave account via the app in minutes.
Security and Regulation:
TymeBank is a fully licensed financial institution, regulated by the South African Reserve Bank (SARB) and the FSCA. It employs bank-grade security to protect users' funds.
User Experience:
TymeBank’s GoalSave is easy to use, with no paperwork or hidden fees. It’s ideal for short- and long-term savings, offering one of the best interest rates in South Africa.
User Testimonials:
Many users praise TymeBank for its simplicity and high-interest rates. The ability to earn more interest by keeping money in longer makes it a great option for serious savers.
7. Old Mutual Money Account
Overview:
The Old Mutual Money Account is a hybrid savings and investment account. It functions as both a bank account and an investment tool, allowing users to grow their savings automatically.
Key Features:
- Two-In-One Account: A transactional bank account linked to an investment savings account.
- Automated Savings: Every time users spend, a portion of the transaction is automatically invested.
- Interest Earnings: Offers competitive interest rates on savings.
- No Monthly Fees: Helps users save without worrying about deductions.
- Access to Investment Products: Users can also invest in Old Mutual unit trusts for long-term growth.
Security and Regulation:
Old Mutual is one of South Africa’s most trusted financial institutions, regulated by SARB and the FSCA. The Money Account is fully compliant with banking and investment regulations.
User Experience:
The Money Account is simple to use, and the automated investment feature makes saving effortless. The integration of banking and investing in one account is a key advantage.
User Testimonials:
Users love the automatic savings feature, which allows them to grow their money without even thinking about it. The zero monthly fees also make it an attractive option.
Conclusion
In 2025, investment and savings apps are more important than ever for South Africans looking to secure their financial future. Whether you’re looking for automated savings, tax-free investments, or high-interest rates, these top trusted apps offer a safe and effective way to grow your money.
Which App Should You Choose?
- If you want easy, tax-free investments, Stash by Liberty is a great choice.
- If you prefer investing in ETFs with low fees, SatrixNOW is ideal.
- If you’re looking for a simple, low-cost investing app, Franc is worth considering.
- If you want fractional share investing, EasyEquities is the best option.
- If you prefer an integrated banking and investment app, Capitec Bank App is a strong choice.
- If you’re looking for high-interest savings, TymeBank GoalSave is unbeatable.
- If you want an all-in-one bank and investment account, Old Mutual Money Account is perfect.
Conclusion
No matter your financial goals, South Africa has plenty of trusted investment and savings apps that can help you build wealth and achieve financial security. The key is to choose the app that best fits your needs and start investing today.
Have you used any of these apps? Let us know your experience in the comments!
