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Manage your money easily and invest in your life goals 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 - Invest in your life goals and reach them sooner.

Putting money towards your future can be a pain. But the right planning can change that. Set, track and invest in your life goals, tax free, from as little as R250.

#5 - 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 220 000 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.

#4 - Invest in your life goals so you can reach them sooner.

Saving money in your bank account or a fixed deposit account may be familiar. But investing can be so much better. Create your life goals in 22seven and invest in them so you can reach them sooner. You’re able to choose from 4 Old Mutual unit trust investment funds, where you can safely store your money and track how it grows.

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. And get a 25% discount with TaxTim.

#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, live chat or phone.

What’s New

Version 3.4.1

Introducing the Dashboard! It shows you some cool insights at a glance, like how your net worth has changed over the last 30 days and how much is currently left in your bank accounts. There's more to to come in future. Log in to check it out and vote for new insights.

Ratings and Reviews

4.6 out of 5
27 Ratings

27 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!

Hdennen ,

Financially irresponsible not to have this

I thought I was organized with my budget in excel but the level of financial visibility this app gives you is incredibly useful. My credit cards are actually going down now and I can’t imagine not using 22Seven at this point.

Sardine1737 ,

Great app

This is one of those apps that I only realized how good it is after using it for a while. I have already identified and sorted out two double payment issues because of the info from it. Their support is excellent too. Highly recommended.

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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