Top Free Finance Apps in South Africa

VodaPay Unlock Endless Possibilities:
VodaPay isn't just an app; it's your digital companion, empowering you to send and receive money effortlessly. Now, you can also tap into the convenience of drawing cash from your VodaPay Wallet at participating retailers across South Africa. It's like having a digital wallet and a personal mall right in your pocket! Ts & Cs apply. VodaPay Wallet is powered by Bidvest Bank Ltd, licensed FSP25466.

Manage Your Entire Lifestyle:
From finances to entertainment subscriptions, VodaPay is your go-to solution. Seamlessly navigate through the various facets of your life, all within the confines of one simple super app.

Available Across All Networks:
Good news travels fast! The VodaPay App is now available on all cellular networks, ensuring everyone can experience the magic.

Why VodaPay?

Secure & Convenient: Safely store your bank cards from any recognized South African bank. Our cutting-edge security systems prioritize your safety, and our instant in-app chat support is ready to assist you at any moment.

Time is Money: Access multiple payment methods instantly, whether shopping online, paying bills, or making in-store purchases. Send money, top-up airtime, buy data – all at your fingertips, regardless of your network.

Save & Earn: Enjoy free transactions on VodaPay and earn exciting cashback and rewards. Say goodbye to extra data costs; VodaPay integrates all the services you love without the need for additional downloads.

Space Saver: Forget cluttering your phone with various apps. VodaPay consolidates your favorite services, from food delivery to fashion, all in one place. Simplify your life, score fantastic deals, and save on everything you love. Like it? VodaPay it!

Our Vodalend Cash Advance product allows you to apply for loans of R 50 to R 500 with a repayment period of 61 days. Maximum APR’s for Cash Advance are 277% (based on a R 500 advance for 61 days, with an R 80.50 upfront initiation fee, interest rate of 0,075% a day, and a daily administration fee of R 0.81, equating to a total repayable of R 652). VodaLend Cash Advance is provided in partnership with Nairtime South Africa (Pty) Ltd NCRCP13197.
day R 646,69. VodaLend Cash Advance loans are provided in partnership with "Nairtime" South Africa (Pty) Ltd NCRCP13197.

Vodalend Personal Loans allows you to apply for loans from R 10 000 to R 250 000 with repayment periods of 12 to 72 months. Maximum APR’s are 30.1% for Personal Loans (based on a R 25 000 loan over 12 months at 29.25% per annum with an upfront initiation fee of R 1 207.50, a monthly administration fee of R 69.00 and credit life insurance of R 112.50 per month, equating to a total repayment of R 32 520). Vodalend Personal Loans are provided in partnership with Old Mutual Finance (Pty) Ltd, NCRCP 35, FSP25494

Calling All Partners:
If you want your brand or business to be part of the VodaPay experience, become a partner today! Apply on our website at https://vodapay.vodacom.co.za/vodapay/become-a-partner. Elevate your brand with VodaPay! VodaPay , a leading app in the Finance Apps category, boasts a robust user base with a total of 10B installs. It sees impressive engagement with 200M monthly installs and 8M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. VodaPay was first released August 10, 2021, and has been continually updated, with the latest update rolled out just August 05, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 3.5.0. With 24886 reviews, VodaPay maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Google Wallet Google Wallet gives you fast, secure access to your everyday essentials. Tap to pay everywhere Google Pay is accepted, board a flight, go to a movie, and more – all with just your phone. Keep everything protected in one place, no matter where you go.

CONVENIENT

Get what you need fast
+ Three quick ways for accessing your everyday essentials: use your phone’s quick settings for fast access, open the Wallet app from your homescreen or use Google Assistant when your hands are busy.

Access Google Wallet from your Wear OS watch
+ Get instant access to Wallet on the Wear OS main watch face with complications.

Carry cards, tickets, passes, and more
+ Catch a train, see a concert, or earn rewards at your favorite stores with a digital wallet that carries more
+ [US Only] Unlock the world around you with a digital wallet that carries your drivers license and digital car keys

What you need, right when you need it
+ Your Wallet can suggest what you need, right when you need it. Get a notification for your boarding pass on the day of travel, so you’ll never have to fumble in your bag again.

HELPFUL

Keep track of receipts
+ Easily find transaction details in Wallet, including smart details like location pulled from Google Maps

Seamless integration across Google
+ Sync your Wallet to keep your Calendar and Assistant up to date with the latest info like flight updates and event notifications
+ Shop smarter by seeing your point balances and loyalty benefits in Maps, Shopping, and more

Get started in a snap
+ Set up is seamless with the ability to import cards, transit passes, loyalty cards and more that you’ve saved on Gmail.

Stay in the know on the go
+ Make boarding flights a breeze with the latest information pulled from Google Search. Google Wallet can keep you posted on gate changes or unexpected flight delays.

SAFE & PRIVATE

A secure way to carry it all
+ Security and privacy are built into every part of Google Wallet to keep all your essentials protected.

Android security you can count on
+ Keep your data and essentials secure with advanced Android security features like 2-Step Verification, Find My Phone, and remotely erasing data.

Tap to pay keeps your card secure
ALT: + When you tap to pay with your Android phone, Google Pay doesn’t share your real credit card number with the business, so your payment info stays safe.

You’re in control of your data
+ Easy to use privacy controls allow you to opt-in to sharing information across Google products for a tailored experience.

Google Wallet is available on all Android phones (Lollipop 5.0+), Wear OS and Fitbit devices.
Not all features are available for supervised accounts. Learn more about Wallet for supervised accounts here: https://support.google.com/wallet?p=about_wallet_supervised.
Still have questions? Head over to support.google.com/wallet. Google Wallet , a leading app in the Finance Apps category, boasts a robust user base with a total of 1453B installs. It sees impressive engagement with 5B monthly installs and 1B daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Google Wallet was first released June 24, 2011, and has been continually updated, with the latest update rolled out just September 22, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. With 333006 reviews, Google Wallet maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

PayPal - Pay, Send, Save PayPal is a smart and secure way to shop in-store and online, earn cash back on brands you love, send money to friends and much more. Get started in the app.

SAVE OFFERS IN THE APP
Get cash back offers* from brands you love. We’ll automatically apply them at checkout.
*Eligible items only. Redeem points for cash or other options. Terms and exclusions apply: PayPal.com/rewards-terms
 
SEND AND REQUEST MONEY FOR FREE
Securely send and receive money with just about anyone in 120+ countries
It’s free to send and receive with friends & family in the US when funded by a bank account or PayPal balance.

GET THE PAYPAL DEBIT CARD AND EARN CASH BACK
Request your card right in the app. No credit check required.
Shop with your PayPal balance everywhere Mastercard® is accepted.
Earn 5% cash back on a category you choose each month*

*5% cash back earned as points you redeem for cash & other options on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal.
A PayPal balance account is required to get the card.
The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. (“Bancorp”), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding

CRYPTOCURRENCY
Buy, sell and hold Bitcoin, Ethereum, PayPal USD, Bitcoin Cash and Litecoin with PayPal*

*PayPal, Inc. is licensed to engage in virtual currency business activity by the NY Dept. of Financial Services. To buy, sell, transfer, and hold crypto is subject to risks, may result in significant losses, and not available where prohibited by law. We do not make recommendations about crypto transactions. Consider seeking advice from a financial and tax advisor. Crypto custody, trades and transfer services are performed for us by Paxos Trust Co. LLC or other appropriately authorized provider. See terms: paypal.com/crypto_terms

GROW YOUR MONEY WITH HIGH-YIELD PAYPAL SAVINGS
Roll your money into PayPal Savings and earn a competitive APY*
Easily manage your account right from the app. Transfer money in and out, set individual goals, and track your progress as your savings grows.

*PayPal Savings annual percentage yield (APY) is a variable rate and can change at any time, including after the account is opened. PayPal is a financial technology company, not a bank. Banking service provided by Synchrony Bank, Member FDIC. PayPal Balance account is required to use PayPal Savings.

TRACK YOUR PACKAGES
View your orders and their delivery status right from the PayPal app–even if you didn’t pay with PayPal. Simply link your Gmail or Outlook to get started.
Get live updates each step of the way until they arrive safely at your door.
Not all sellers are participants.
 
PAY IN 4 WITH NO LATE FEES
Split everyday purchases into 4 interest-free payments at millions of online stores.
No late fees. No impact to your credit score.
Manage payments right in the app.

*Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO or NV. 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4

Availability of features varies by market.

PayPal
2211 N 1st St San Jose, CA 95131 PayPal - Pay, Send, Save , a leading app in the Finance Apps category, boasts a robust user base with a total of 424B installs. It sees impressive engagement with 4B monthly installs and 137M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. PayPal - Pay, Send, Save was first released February 21, 2012, and has been continually updated, with the latest update rolled out just September 20, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 8.92.1. With 862772 reviews, PayPal - Pay, Send, Save maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Nedbank Money Download the Nedbank Money app and start making better money choices. Brought to you by one of South Africa's leading banks – the Money app offers you a wide range of secure features like free credit score checks, unique investment solutions, and exclusive deals on Avo by Nedbank. Choose the bank that’s best for your money.

Key Features:

Bank anywhere, anytime:
Manage your money better, view your balances, transfer money between accounts and make secure payments.

World-class security features:
Stay protected with biometric login using fingerprint and facial recognition and receive real-time notifications for all account activities and potential fraud threats.

Credit score checks and personal finance management:
Stay on top of your budget with free credit score checks, set your budget, and monitor your expenses.

Shop exclusive Avo deals:
Get personalised offers and deals from Nedbank and partner brands on Avo by Nedbank.

Locate nearby branches and ATMs:
Skip the drive and find the nearest Nedbank branch, ATM, or supported retailer with the in-app map feature.

Client support 24/7:
Need help instantly? Chat to the virtual chatbot, Enbi, or to a live agent and get the answers you need.

Download the Nedbank Money app today and join the bank that’s best for your money.

Please note: The Money app is available to Nedbank clients with a valid South African identity number or passport and a registered South African mobile number. Standard network charges and data rates may apply. Terms and conditions apply. Nedbank Money , a leading app in the Finance Apps category, boasts a robust user base with a total of 10B installs. It sees impressive engagement with 100M monthly installs and 5M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Nedbank Money was first released September 29, 2017, and has been continually updated, with the latest update rolled out just August 30, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 9.5.5-0-prod. With 35734 reviews, Nedbank Money maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Absa Banking App Convenient and innovative banking at your fingertips with the award-winning Absa Banking App 24/7.

Enjoy full control of your bank accounts:

• Approve and reject transactions for increased banking security.
• Keep your money secure with advanced facial biometrics.
• Get a free Digital Fraud Warranty for all your digital transactions.
• Stop and replace your card faster if it gets lost.
• Limit your card to till point, online use or no use at all with Temporary Lock.

Simplify your banking:

• Use your virtual assistant, Abby to navigate your Absa banking App.
• Pay someone instantly with PayShap.
• Reverse debit orders that you did not authorise.
• Increase or decrease your banking limits easily.

Manage your money on the go:

• Forgot your card? Simply scan to pay using your phone,
• Get stamped bank statements and avoid visiting branches.
• Withdraw money without a card from any Absa ATM with CashSend.
• Buy prepaid airtime, data or electricity for yourself or anyone else.
• Play Lotto on your Absa Banking App for a chance to win the jackpot.

Download your Absa Banking App now and join the digital banking revolution. Absa Banking App , a leading app in the Finance Apps category, boasts a robust user base with a total of 8B installs. It sees impressive engagement with 100M monthly installs and 4M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Absa Banking App was first released March 11, 2016, and has been continually updated, with the latest update rolled out just September 11, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 7.40.1 - August-Release. With 53941 reviews, Absa Banking App maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Standard Bank / Stanbic Bank Your money, your way

Easily track your finances, discover tools and features to help you manage your money, and explore personalised offers – all at your fingertips.

Effortless day-to-day banking

• Quick payments and transfers: Send money with ease
• Top up instantly: Buy airtime, data, SMS bundles, and electricity
• Send money vouchers: Share cash vouchers to anyone with a cellphone
• Hassle-free international payments: Make global transactions in just a few taps
• Play Lotto: Try your luck directly from the app

Take control of your money

• Open a savings account online: Start saving in minutes
• Manage your cards: Set payment limits, stop or replace cards quickly
• Access documents on-demand: Get stamped statements, bank letters and tax certificates
• Quick balance checks: View your balances without signing in
• Track insurance claims: Submit and monitor your building insurance claims easily

Everything you need, all in one place

• One view of all your accounts: See all your Standard Bank accounts in one convenient place
• Manage your loans: Handle your personal, vehicle and home loans with ease
• Get vehicle loan pre-approval: Apply for pre-approval in just a few taps
• Link your accounts to trading: Manage your share trading profile directly from the app
• Monitor your investments: View your Stanlib investments anytime, anywhere

Note: Availability of some features may vary depending on your region.

Your app will automatically update to ensure you always have the latest features and security upgrades.

Getting started

Simply download the app using data (charges apply for the initial download), but once you’re set-up, there are no data charges when using the app. As long as you have a connection, your banking is ready to go!

Transactional features are available to Standard Bank accounts held in South Africa, Ghana, Uganda, Botswana, Zimbabwe, Zambia, Tanzania, Lesotho, Malawi, eSwatini and Namibia. Keep in mind that some types of payments include transaction fees.

Legal info

The Standard Bank of South Africa Limited is a licensed financial services provider in terms of the Financial Advisory and Intermediary Services Act; and is a registered credit provider in terms of the National Credit Act, registration number NCRCP15.

Stanbic Bank Botswana Limited is a Company (registration number: 1991/1343) incorporated in the Republic of Botswana and a registered commercial bank. Namibia: Standard Bank is a licensed banking institution in terms of the Banking Institutions Act, registration number 78/01799. Stanbic Bank Uganda Limited is regulated by the Bank of Uganda. Standard Bank / Stanbic Bank , a leading app in the Finance Apps category, boasts a robust user base with a total of 11B installs. It sees impressive engagement with 100M monthly installs and 5M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Standard Bank / Stanbic Bank was first released August 08, 2014, and has been continually updated, with the latest update rolled out just September 18, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 3.71.3. With 48427 reviews, Standard Bank / Stanbic Bank maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

FNB Banking App The FNB Banking App embraces the future of help and our new look and feel will do just that
Some features to look out for:

Simple straight-forward navigation – We’ve added bottom navigation to make it easier to find what you need, when you need it.
Switch users easily – Multiple profiles? No problem! Switch seamlessly between different user profiles by selecting profiles located on the bottom navigation and then select “switch user”.
Introducing the Action Panel – Bringing your banking features front and center, like payments, transfers, my cards, and cash withdrawals.
Chat Pay – A revolutionary new feature called Chat Pay that allows you to pay any FNB customer via a simple chat, all within FNB’s secure ecosystem giving you peace of mind that the person you are paying has been verified and approved. It’s that simple.

What is Pay?
We have renamed Payments to Pay. This feature will provide you with access to categories within payments such as pay, receive, pay bills, payment settings, and payment history.

What is Secure Messaging?
Chat to other FNB/RMB customers securely on the App by granting access to your contact list. Features within Secure Messaging include Chat Pay, voice notes, attachments, share location, etc. FNB Banking App , a leading app in the Finance Apps category, boasts a robust user base with a total of 18B installs. It sees impressive engagement with 100M monthly installs and 7M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. FNB Banking App was first released July 19, 2011, and has been continually updated, with the latest update rolled out just September 17, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. With 51234 reviews, FNB Banking App maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

TymeBank No paperwork. No monthly fees. No stress. Just smart, simple, low-cost banking that gives you a clear picture of every cent you earn and spend. Transact online, on your phone, or at more than 1000 Boxer, Pick n Pay and TFG stores across the country. You've got this.

Here’s just some of the features you can look forward to:

Buy with MoreTyme by TymeBank
Forget store account interest. Forget waiting on lay-by. With MoreTyme, you can get what you need now, and pay for it in 3 interest-free installments (subject to approval).

SendMoney to a cellphone number
What if you need to send money to someone who doesn’t have a bank account? No problem. The TymeBank app allows you to SendMoney to anyone with a valid South African cell number.

Build up your savings with GoalSave
Enjoy one of the best interest savings rates in Msanzi (up to 10%). Watch it grow with your money across as many as 10 different GoalSave accounts.

Easily pay your accounts
Pay the accounts you have with all kinds of service providers like broadcasters, stores, credit cards, municipalities and educational institutions. All you need is your account number as the reference.

There’s more to discover in the app. So go ahead and download it now to open your account. It’s free! TymeBank , a leading app in the Finance Apps category, boasts a robust user base with a total of 10B installs. It sees impressive engagement with 200M monthly installs and 8M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. TymeBank was first released November 02, 2018, and has been continually updated, with the latest update rolled out just September 15, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 2.25.0. With 35513 reviews, TymeBank maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Capitec Bank Do all your banking with SA's Best Digital Bank (SITEisfaction 2021 report)

The Capitec Bank app is secure and easy to use. You pay no data charges on most major SA networks when using it.

We've cut the cost of banking by using innovative technology. This means lower transaction fees when you use our app – putting the value back in your pocket.

Transact

• Open a Capitec account simply by taking a few selfies and scanning your ID
• Get your card delivered to your door at a fee, or collect it at a branch for free
• Reset your forgotten Remote app PIN without visiting a branch
• Buy and sell shares and save 20% on brokerage fees across all trades with EasyEquities
• With Pay me, you can generate your personalised QR code to accept payments from Capitec clients
• Scan to pay all the major QR codes straight from the app
• Get free transaction updates with in-app Money In/Money Out messages
• Keep track of how you're spending your money
• Send cash to friends and family to collect at selected retailers and Capitec ATMs
• Update your card withdrawal and purchase limits
• Manage contactless card transactions by turning tap to pay on and off
• Update your tap to pay limit
• Stop lost or stolen cards immediately
• Manage your debit orders and DebiCheck mandates
• Email electronically stamped statements
• Pay people and accounts
• Make immediate payments to other banks in SA
• Pay DStv, SARS eFiling or TV licence immediately
• Pay Capitec clients using only their verified cellphone numbers
• Buy prepaid electricity, airtime, data and SMS bundles
• Manage your Internet banking by turning it on and off

Save

• Open, personalise and manage 4 additional savings plans
• Fix your savings plans to earn higher interest

Insure

• Get a free estimate on the app
• Get your funeral plan and manage it 24/7

Credit

• Get a free personalised credit estimate
• Manage your credit on the app

Once you've registered and activated the app, remember to keep your:

• Remote PlN secret
• Cellphone safe and in your possession at all times Capitec Bank , a leading app in the Finance Apps category, boasts a robust user base with a total of 36B installs. It sees impressive engagement with 300M monthly installs and 17M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Capitec Bank was first released September 25, 2019, and has been continually updated, with the latest update rolled out just September 10, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 3.8.10. With 60191 reviews, Capitec Bank maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

PayJustNow South Africa’s risk-free, #zerointerest payment solution. PayJustNow offers you 3 equal interest-free instalments and gives you a rad new way to pay - today! PayJustNow , a leading app in the Finance Apps category, boasts a robust user base with a total of 2B installs. It sees impressive engagement with 100M monthly installs and 2M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. PayJustNow was first released November 13, 2020, and has been continually updated, with the latest update rolled out just September 16, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 3.2.5. With 791 reviews, PayJustNow maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.