22seven: Budget, track & save 4+

Manage your money better


    • 4.6 • 45 Ratings
    • Free



22seven is South Africa’s best budgeting app. We support over 120 financial institutions including major banks like Absa, Capitec, FNB, Nedbank, Standard Bank, TymeBank, Discovery Bank and more. With backing by Next176 and Old Mutual- one of South Africa’s most trusted financial institutions- you're in safe hands!

Here’s how it works:

See all your money in one place.

Link bank accounts, credit and store cards, investments, loans, rewards and more from over 120 South African financial institutions. Get a full picture of your net worth and watch it grow as you make small changes.

Track your spending across different categories and merchants.

View transactions, create filters and learn about your spending habits at a glance.

Set budgets you can stick to.

Planning where your money will go helps you prioritise what's important and reduces impulse shopping. See exactly how much you spend on what each month. Know what you‘ve already spent and have left to spend. Activate spending alerts and we’ll let you know when you’re getting close to reaching your budget.

Get personalised insights, regularly.

Our Nudges are hints and observations about your money and how your spending compares to other people like you. See things you didn’t know or hadn’t considered, and use your money better.

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.Some more features you may find useful:

No more separate statements or slips.

Your income and expense transactions are gathered and updated whenever you log in. See them all in one place and see all transaction history since you joined, for free! You can also add notes, visualise or export your spending data at any time.

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.

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.

What’s New

Version 5.3.0

Fresh New Widgets:

We've added new widgets to give you quick access to your finances right from your dashboard!

Bug Fixes and Improvements:

This update includes various bug fixes and performance improvements, making 22seven even more reliable and user-friendly.

Ratings and Reviews

4.6 out of 5
45 Ratings

45 Ratings

LordMelchy ,

One of my top 5 most used apps

I remember the skepticism that this app was greeted with when it first came out, by users, the banks and even some in the press. And it was all to do with the fact that you have to login to financial institutions within the app, thus the fear that info this would be misused by the developer. Well, it’s a few years on and not one data breach via this app and/or site. I just wanted to express my gratitude to the team that seems to work tirelessly to ensure that we as its users have all the support we need. My only gripe would be that there’s yet to be an iPad-compatible version of the app. But otherwise, onwards and upwards!

DaneDoubell ,

From 20Twenty to 22Seven

Back in 2001 when I got my 20Twenty card delivered in the most amazing packaging from a company that delivered exquisite service & respect, I didn’t even know that I would never have a problem with the card or miscellaneous hidden charges right up until they closed down. Now, the creators of that brilliant pre-Facebook era online card company ask me to let them use technology to evaluate my spending habits & automagically classify my expenses and watch for double-charges as well as see all my wealth across banks in one spot… there is really no way I can say no.

Developer Response ,

Thanks for the great review! We're glad you said yes!

CreativeSoul29 ,

Brilliant and easy

I’ve been using this app since 2015 and I look at it everyday. It quickly became my ‘go to’ for checking account balances, transactions and budgets.
I’ve never had any security breach with regards to linking my bank accounts. The app is completely safe. I can hardly believe it’s free.

There is no better way to track spending of small amounts and things like bank fees and charges and what you’re paying in interest if you have debt. It’s a great motivator to reduce debt when you can see exactly what the interest is costing you.

You can even create your own categories if need and break them down any way you want to.
This app shows me what my real spending and saving actually looks like. I couldn’t live without it.

Developer Response ,

Hi there! What an amazing reivew. We are very happy to hear 22seven is making a difference in your financial journey. Thank you for the feeback.

App Privacy

The developer, 22seven, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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