For members

Make every rand work for you.

A personalised plan around your life and your business. Your payments automated. A qualified team in your corner.

The problem

Earning well is not the same as being in control of it.

You earn a good salary, maybe run something on the side, and still the month runs you. Debit orders land before you have looked. A quiet emergency goes on the credit card. The side business borrows from the salary, the salary borrows from next month, and nobody you trust is watching the whole picture. Banks sell you products. Apps show you charts. Neither sits with you and says: here is the plan, here is why, and here is what we do next.You earn a good salary, maybe run something on the side, and still the month runs you. Debit orders land before you have looked. A quiet emergency goes on the credit card. The side business borrows from the salary, the salary borrows from next month. Banks sell you products. Apps show you charts. Neither sits with you and says: here is the plan, here is why, and here is what we do next.

01Money arrives, and most of it leaves before you decide anything.

02A small emergency becomes expensive debt.

03Your side hustle and your salary keep bailing each other out.

04Nobody qualified is looking at the whole picture with you.

05Every big decision is made alone, usually at night.

What changes

Automate your finances. Get a qualified team. Focus on what really matters.

This is what R4,000 a month buys. Not products. A system, and people.

Automate your payments

Your salary lands and the plan runs it: bills paid, savings moved, your stake funded, your card loaded. Reduce the stress, stop the daily deciding, and focus on what really matters.Your salary lands and the plan runs it. Reduce the stress, stop the daily deciding.

A team of financial experts

A named advisor who knows your name, with a licensed partner, a tax practitioner and a lawyer behind them. For you, and for your side hustle or business, so both are ready for success.A named advisor, with a licensed partner, a tax practitioner and a lawyer behind them. For you and for your business.

Every rand works for you

A personalised financial plan built around your actual situation: what you earn, what you owe, what cannot miss, what you are building. Every move explained, revised every month.A personalised plan built around your actual situation. Every move explained, revised every month.

A higher level of private

Personalised, privatised banking without the bank: one place for your money, your plan, your documents, your club and your advisor. Before any big decision, you check in here first.Personalised, privatised banking without the bank: one place for your money, plan, documents, club and advisor.

What private banking should actually bePrivate banking, done right

This is what private banking should actually be.

Steady. Finances sorted.

Personalised financial coaching

A monthly budget review with someone who knows your plan. One stable fee. One call to your advisor when a decision needs a second head.A monthly budget review. One stable fee. One call to your advisor when a decision needs a second head.

A genuine relationship

An advisor who carries eight members, not eight hundred, and walks with you as life changes: a move, a child, a business that suddenly works.An advisor who carries eight members, not eight hundred, and walks with you as life changes.

Basic legal work, covered

We will help you draft your will, your living will and a power of attorney, and keep them in your vault. The essentials most people never get round to.We help you draft your will, your living will and a power of attorney, and keep them in your vault.

Automation you can forget about

Your salary lands and the plan runs it. No normal payday cycle ever needs your attention again. Bills, savings, your stake, your card: done.Your salary lands and the plan runs it. No payday cycle ever needs your attention again.

Space for yourself

Life and entrepreneurship are hard. Our plans are built to leave room for you, so you get to enjoy the journey you are working for.Life and entrepreneurship are hard. Our plans leave room for you, so you get to enjoy the journey.

You, at the centre

Finally, a financial service that puts you at the centre, not a product, not a target. Every rule, every rand, every call is about where you are going.Finally, a financial service that puts you at the centre, not a product, not a target.

Club 25

A community of entrepreneurs who help each other through the storms of life.

Member-owned. Member-run. Built to fund the businesses in the room.

Small-business funding is hard to get. Banks want three years of statements and a house to hold against it. Club 25 is our specialised stokvel product: a member-owned pool, built from your membership, that funds the members who have shown they can be trusted with it. Build your business while building a strong savings account, among like-minded people who know what a hard month looks like. Steady helps you get there.Small-business funding is hard to get. Club 25 is our specialised stokvel product: a member-owned pool, built from your membership, that funds the members who have earned trust. Build your business while building a strong savings account, among like-minded people. Steady helps you get there.

A stake that grows every monthR1,700 of your fee goes into the club in your name. R10,200 by month six, R20,400 by year end.

Funding from people who know youBorrow for stock, an ad budget, equipment: half from your stake, half from members who choose to lend. The interest goes to them, not a bank.

Nothing extra each monthRepayment comes out of your contribution. Your monthly number never changes.

Emergencies, one callYour advisor sizes it, the committee approves within hours, the money lands.

Owned by the 25A constitution, an elected committee, every rand on a ledger every owner can see. Steady takes nothing from the pool.

A stake that grows every month

R10,200 by month six, R20,400 by year end.

Funding from people who know you

Half from your stake, half from members who choose to lend. Interest goes to them, not a bank.

Nothing extra each month

Repayment comes out of your contribution.

Emergencies, one call

Sized by your advisor, approved within hours.

Owned by the 25

A constitution, a committee, a ledger every owner can see.

For your business too

Your side hustle is a business. Your plan treats it like one.

Separate, then connected

Business money in the business account, with rules for how it feeds your personal plan: a share of every draw to your goals, the rest kept to grow.Business money in the business account, with rules for how it feeds your personal plan.

Ready for success

Tax practitioner, business compliance and contracts through our partners at member rates, so the admin that stalls small businesses gets done.Tax, compliance and contracts through our partners at member rates.

A sounding board

Before you spend on the business, your advisor gives you an instant read on what it does to your personal goals. Then you decide, together.Before you spend on the business, an instant read on what it does to your goals.

Growth without the bank

When the time comes to scale, Club 25 is the first door, not the last.

Your app

Everything about your money, in the words you would use.

Home

The life you are building

Your intentions, how every rand served them this month, and the next decision to make with your advisor.

Money

Every move, with its reason

Bills, savings and spending, who was paid and why, your card, your payday split.

Advisor

Something changing?

Tell your advisor before a purchase or a change. An instant read, then a reply or a call within a working day.

Club 25

Your stake, your people

Your stake, what you can borrow, who lends, the ledger every owner can see, the votes.

Consents

What you have allowed

Every permission you have given, what it covers, and a revoke button that works.

Vault

Your papers, kept

Your will, your policies, your signed documents, your plan. Shared only with who you choose.

Home · The life you are building

Your intentions, how every rand served them, the next decision.

Money · Every move, with its reason

Bills, savings and spending, who was paid and why.

Advisor · Something changing?

Tell your advisor first. An instant read, then a reply within a working day.

Club 25 · Your stake, your people

Your stake, what you can borrow, the ledger, the votes.

Consents and Vault

Every permission you have given, and your papers, kept.

Let us become your real financial hub.

Twenty-five founding places. R4,000 a month. A decision within 72 hours, with a reason either way.

Apply for a founding place