Collect helps savings groups organize members, record contributions, review reconciled group activity, and prepare credit-readiness records.
Members can view the approved beneficiary, IBAN, BIC, exact Collect reference, and amount before opening Revolut or another banking app. Collect does not initiate, authorize, process, or custody a bank transfer. The user selects the beneficiary and authorizes the transfer entirely in their banking app.
Incoming bank notification SMS and email are treated only as candidate evidence. A contribution becomes confirmed, changes a balance, and posts to the group ledger only after governed bank-statement reconciliation. The public Google Play app does not request SMS or Call Log permissions.
Collect keeps account support and deletion controls accessible in the app and is operated by IKANISA for group savings, support, and credit-readiness workflows.
Group savings, contribution records, and credit-readiness support.