🚀The future of Stokvel banking

Institutional power. Built for your Stokvel.

Stop managing your group's money through personal accounts. Open a secure, regulated collective treasury in 5 minutes.

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Trusted by 10,000+ South Africans

TOTAL BALANCE

R15,000.00

Stokapp

**** **** **** ****

Family Circle

RECENT ACTIVITY

S

Sipho N.

Monthly Contribution

+ R 2,500

T

Thabo K.

Grocery Fund

+ R 1,500

✨ Deposit received

Bank-grade security. Rooted in Ubuntu.

Real Banking

Dedicated routing and account numbers for your group. Never mix personal and community funds again.

Immutable Trust

Every member has app access to the live ledger. Absolute transparency powered by real-time banking data.

True Independence

Gain financial independence with physical and virtual Stokapp debit cards for immediate, fee-free purchasing power.

How it works

1

Open the Account

Register your savings or burial stokvel in minutes. No branch visits, no endless paperwork. Simply verify your identity and your group's vault is active immediately.

KYC Approved

Vault Active

2

Set the Treasury Rules

Define your payout rotation and monthly collection target. The math is baked into the smart contract-style logic, eliminating any human disputes.

Treasury Settings

Monthly Limit

R 1,000 / mo

Sequence Rotation

Sequential
3

Automated Collections

Members deposit directly into the group's Stokapp vault via EFT or card. Real-time updates mean everyone sees who has paid and who is lagging immediately.

Live Ledger

SN

Sipho Ndlovu

Paid
LD

Lerato Dlamini

Paid
TK

Thabo Khumalo

Pending
4

Frictionless Payouts

When it's your turn, funds are instantly available on your Stokapp debit card. No withdrawal fees, no delays—just pure purchasing power.

Payout Executed

Today, 09:00 AM

Amount Received

R 20,000

Available instantly on card

Built for every
financial stage

Image Asset Area

Young Professionals

25–35

Pool capital for property deposits or investments using a secure, formal financial vehicle.

Image Asset Area

Mothers & Families

35–49

Automate January school fees and December groceries with absolute certainty and zero banking fees.

Image Asset Area

Burial Societies

Elders+

Guaranteed, instant liquidity when tragedy strikes. Dignified tracking without the intimidating bank jargon.

The ultimate
financial toolkit

STOKAPP

Stokapp Debit Cards

Issue group-controlled virtual and physical cards for secure, immediate spending.

Total BalanceR 50,000

Live Tracking

View real, regulated bank statements directly from your phone.

Approved

Flexible Voting

Approve large group expenditures digitally.

Stokvel Vault

Smart Deposits

Link payroll directly to your Stokvel obligations.

Monthly Fee
TotalR 0.00

Zero Unfair Fees

Traditional banks exploit stokvels. We don't.

Scam & Fraud Protection

24/7 proactive monitoring and 256-bit encryption ensuring airtight treasury security.

Institutional power.Community control.

For centuries, traditional banks have excluded us and engineered strictly for the South African Stokvel economy.

Regulated BaaS

Protected structure matching institutional bank standards.

Instant Liquidity

Cash out your verified funds 24/7 without delays.

Credit Builder

Your group history dynamically builds personal credit.

24/7 Fraud Monitoring

Relentless cyber-protection and real-time ledger audits.

R0

MAINTENANCE FEES

256-bit

ENCRYPTION

ZA

BUILT FOR SOUTH AFRICA

"As a woman building my financial independence, Stokapp gives our savings group the professional structure we always needed."

Zanele M.

"We used to argue over who missed a payment in December. With Stokapp, the ledger is undeniable. Total peace of mind."

Kagiso T.

"It’s so easy to use. Even our older members can log in and see exactly how much the group has saved for our burial fund."

Mama Joy