22seven: Budget, Track & Save

22seven

About this app

Manage your money easily with the free 22seven app from Old Mutual.

Here’s how it works:

#1 - See all your money in one place.
All your accounts. All your transactions. All together. Link bank accounts, credit and store cards, investments, loans and rewards from over 120 South African financial institutions.

#2 - Set budgets and we’ll help you stick to them.
See exactly how much you spend on what each month. Know what you‘ve already spent and have left to spend, and find more money. Activate spending alerts and we’ll let you know when you’re getting close to reaching your budget.

#3 - Find relevant insights, regularly.
Nudges are hints and observations about your money. See things you didn’t know or hadn’t considered, and use your money better.

#4 - 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.


Want to know more? Keep reading:

22seven (sometimes referred to as 227) is South Africa’s best budgeting app. We support over 120 South African financial institutions. This includes all major banks like Absa, Capitec, FNB, Nedbank, Standard Bank, TymeBank, Discovery Bank and more. The app is backed by Old Mutual - one of South Africa’s most trusted financial institutions.


The app lets you:

#1 - View all your balances and transactions in one place so you can track them easily.
Once you link your accounts from over 120 South African companies, you’ll get to see all your money in one place for the first time. The app automatically sorts all your transactions into categories for you, like Groceries, Eating Out & Takeouts, Rent and more. So you can track exactly where you’re spending and find new ways to save.

#2 - Create a budget to effectively manage your spending.
The app will create a budget for you based on your real, average spend. But if you want to challenge yourself to spend less, setting your own budget is easy. And when you’re done, activate spending alerts so we can let you know when you reach 50%, 80% and 100% of your budget so you don’t overspend.

#3 - See how much you can safely spend each day.
Every day, 22seven will let you know how much you can safely spend while still sticking to your monthly budget. As you use the app, you’ll start to receive other ‘Nudges’ - little bits of information about how you’re spending and how your behaviour compares to other 22seven customers.


Here are some other features:

#1 - No more separate statements or slips.
Your income and expense transactions are gathered and updated whenever you log in. You can also add notes, visualise or export your spending data at any time.

#2 - 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.

#3 - 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

App crashing has been fixed for now but the ongoing issue with not being able to connect with 10x - with whom I have most of my net worth invested - is absurd. According to another review it has been over 7 months that 10x accounts have not updated. As a free app I guess you can only expect so much with these things. I recommend that 10x customers don't bother with 22seven.

Nice app, easy to understand and customize. I had some technical difficulties when I first installed it. I emailed the support staff and they were very quick to reply and immediately helped me solve the problem. 10/10 for the support staff!

22seven is the best thing to happen to my budget. It is a local product for South Africans. It is highly customisable. There are nifty features like splitting a transaction, eg. clothing and groceries bought together. It takes some playing around to find all the features, but it is time well spent as you also get to think about what changes you should be making in your budget. The cusomer service staff are amazing! I also use the web page, especially if I want to get a larger overview.

What's new

We've fixed an issue that was causing crashes for some customers and made some updates to our live chat functionality, for a smoother experience!

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