🇿🇦Qoyla · South Africa

Every rand, accounted for.

Whether you bank with Standard Bank or Capitec, Qoyla adds the advisory layer: safe-to-spend after debit orders, plans that hold, and a record behind every number.

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Built on the rails you already use

Major banks, one layerWorks across South African banks, accounts and debit orders stay exactly where they are.Standard Bank · Capitec
Debit-order literateRecurring debits mapped and protected, no more month-end ambushes.
Fraud pressure, metInstant freeze and dispute flows built for SA’s fraud reality.

What it looks like here

After-debits clarity

What’s truly yours to spend once every debit order is accounted for.

Stokvel, recorded

Group savings with contributions and payouts sealed for every member.

Rands that grow

Idle balances matched to regulated options, matured to your date.

Through institutions you know

Delivered with South African institutions. Consent-scoped reads, reasoned proposals, explicit approvals, sealed records, the same spine everywhere Qoyla runs.

Your money, clearer this month

Connect through your bank and see your first safe-to-spend in minutes.

Get startedHow pricing works