Franc: Save & Invest

Franc Group Pty Ltd

About this app

Want to build wealth, but don’t know where to start?

Franc helps you take control of your money with simple, goal-based saving and investing – no jargon, no guesswork, and no experience needed.

Backed by trusted funds from Allan Gray, Sygnia and Satrix, regulated by the FSCA, and loved by thousands of South Africans.

Here are some of the features to help you build wealth with confidence:

START WITH A GOAL, GET A RECOMMENDED INVESTMENT STRATEGY
Set a clear savings or investing goal and we'll recommend the right mix of funds for you, including cash and inflation-beating ETFs.

START INVESTING WITH AS LITTLE AS R10
There are no minimums to start investing with Franc. Start small and work your way up.

WITHDRAW AT ANY TIME
All Franc investors get 4 free withdrawals every year.

GET FULL VISIBILITY OF YOUR PORTFOLIO PERFORMANCE
See exactly how your money’s performing, where it’s invested, and what you’re paying.

SAFE, SIMPLE AND IN YOUR CONTROL
No paperwork. No confusing terms. Just smart investing made for real people.

BUILD MOMENTUM WITH STREAKS
Build habits that stick. Get rewarded for every contribution with streaks and nudges to keep going.

STAY MOTIVATED WITH BOOSTS
Join challenges and complete actions to earn real rewards and build momentum with your money.

LEARN AS YOU GROW
Bite-size tips, explainers and coaching built right into the app, so you understand where your money’s going and why.

Available to citizens of South Africa.
Franc is a registered Financial Services Provider (FSP no. 49998).

[Minimum supported app version: 5.2.0]

Ratings and reviews

The app is great for what it offers, but the UI definitely needs a fresh polish. Right now, the navigation feels cluttered because the "available" account types are mixed in with the accounts I already have. It would be much smoother if these were separated. ​A dark mode "facelift" would also be a game-changer the current white interface is a bit much. Even though the brand is orange, a black and orange theme would look incredibly sleek. Looking forward to a more modern update!

At first, I was really impressed with this app because my investments were growing steadily. However, I was disappointed to discover that monthly fees were being deducted without me fully realizing it. I noticed R19 missing this morning, and that’s when I understood what was happening. It’s discouraging to see fees reduce the returns you’re trying to build. For that reason, I’ve decided to opt out

Would give zero stars if possible. Monthly starter account fee is charged DESPITE regular monthly deposit. I have my deposits on a scheduled payment from my bank - this app only shows payments processed up to 2 weeks later! their support staff even acknowledge that their own statement in-app does not reflect real world timing. Support argues with me and tell me I don't deposit every month yet their own transaction list shows it, right after they conveniently take their fee - this is theft!

What’s new

Franc helps you save and invest your money towards your real life goals – from next year's family holiday to your long-term wealth.

In this latest release, we've made some important back-end adjustments to increase security, improved your transaction statement experience so you know exactly where your money is allocated, and squashed some pesky UX bugs.