22seven: Budget, Track & Save

3.89K reviews
Content rating
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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 100 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 420 000 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 100 South African financial institutions. This includes all major banks like ABSA, Capitec, FNB, Nedbank, Standard Bank, TymeBank 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 100 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.
Updated on
Jun 10, 2022

Data safety

Developers can show information here about how their app collects and uses your data. Learn more about data safety
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3.89K reviews
Matt Chris
May 27, 2022
It is a great app, and far beats the ones I have tried (and I have tried a few)... there are many glitches (like the glitch where the budget doesn't update as it should), but it is still a good start. Will keep using it in the hopes of it improving! Edit: A few days after writing the review, the update glitch was fixed as well as one or two minor bugs, well done devs! 👍😁
4 people found this review helpful
Did you find this helpful?
May 27, 2022
Hi Matt! We appreciate your feedback. You're welcome to send us an email at thesvens@22seven.com with details of the glitches you're experiencing so we can have a look.
Lauren October
May 4, 2022
This app has been great. The nudges have become more useful and the categorisation has improved. Its helps to keep track of your overall finances as well as to plan for the future. I never thought holistically about improving my net wealth until I started to get organised with this app. Been using it for 3 years now and I've never found another app that had the same purpose with 22sevens user friendliness.
1 person found this review helpful
Did you find this helpful?
May 9, 2022
Hi Lauren, thank you for taking the time to leave positive feedback. We are very happy to hear 22seven can help in your financial journey :)
Matt Jenje
May 24, 2022
Good idea but execution is lacking somewhat. For the last month there's been a bug where every day I get a notification saying "we've automatically categorized 100% of your transactions" and the notification takes you nowhere, and happens again the next day. Putting me on the edge of uninstalling
Did you find this helpful?
May 27, 2022
Hi Matt, we're sorry you're experiencing some frustration with this. We're aware of the issue and we're working to resolve it. If you have any further questions you're welcome to send us an email at thesvens@22seven.com

What's new

We regularly release new versions of our app in an effort to fight the good fight against bugs and other pesky gremlins trying to ruin your 22seven experience.

Questions? Comments? Funny jokes? Mail thesvens@22seven.com