22seven: Budget, Track & Save

22seven

About this app

22seven is South Africa's best budgeting app. We support over 120 financial institutions including major banks like Absa, Capitec, FNB, Nedbank, Standard Bank, TymeBank, Discovery Bank and more. With backing by Next176 and Old Mutual- one of South Africa's most trusted financial institutions- you're in safe hands!

Here's how it works:

See all your money in one place.


Link bank accounts, credit and store cards, investments, loans, rewards and more from over 120 South African financial institutions. Get a full picture of your net worth and watch it grow as you make small changes.


Track your spending across different categories and merchants.


View transactions, create filters and learn about your spending habits at a glance.



Set budgets you can stick to.

Planning where your money will go helps you prioritise what's important and reduces impulse shopping. See exactly how much you spend on what each month. Know what you've already spent and have left to spend. Activate spending alerts and we'll let you know when you're getting close to reaching your budget.


Get personalised insights, regularly.

Our Nudges are hints and observations about your money and how your spending compares to other people like you. See things you didn't know or hadn't considered, and use your money better.



We take security very seriously.

Most importantly, 22seven is safe, secure, private and insured. We use the best security - the same measures as banks, governments and the military. The information you share is always encrypted and never seen by human eyes. Your info remains yours - always. So we won't sell your data to third parties. That's why over 580 000 South Africans use 22seven to boss their money.Some more features you may find useful:



No more separate statements or slips.

Your income and expense transactions are gathered and updated whenever you log in. See them all in one place and see all transaction history since you joined, for free! You can also add notes, visualise or export your spending data at any time.



Doing your tax return is made so much easier.

All your income and expenses are categorised and exportable to Excel. So you can also use your transactions in 22seven to rock your tax return.



Get really good support from real, live people.

Our support team, the Svens, are on hand to answer your questions from 8am to 8pm every day of the week via email and live chat.

Ratings and reviews

This app is literally life (and lifestyle) changing. It has never been easier to keep track of transactions, spending habits and actually applying the informative and wealth health articles to my finances! Unlike any other budgeting app, 22seven actually has the user in mind with accurate info and the nudges feature has changed my outlook on my spending. I cannot recommend this app more for any person looking to better their finances, debt education and overall how to better us as consumers.

Used to be useful, now it's so buggy it's next to useless: Subtotals don't update when the Category or Spending Group changes unless the app is restarted. Split button no longer opens the edit window. The website app main menu is unresponsive so only the initial Accounts page is usable. Other features that used to work fine are no longer available. I've held on as long as I can but I'm switching to a different app now.

I am excited to start using the app but I cannot link my bank because it's not on the list. Is it possible to link my Capitec account on the app or is it in the works? I desperately need to start using this app. It would help me tremendously and lessen my stress if I can track all my expenses in one place.

What's new

We're excited to introduce our brand new Financial Health Score, a powerful feature designed to give you a comprehensive overview of your financial wellbeing. We'll show you how you're doing in areas like planning, saving, borrowing and investing and we'll provide you with tips on how to improve so that you can set yourself up for financial success!