Are you living within your budget?
Managing your cash starts with spending less than you earn. It's the most important money discipline and the only way to work towards a healthy financial future.
If you've lost control of your money, it's necessary to:
What's left to spend or save after all known debts are paid. A quick glance reveals if you have enough funds to make it until the next deposit into your account.
Based on your known debits, we calculate if you are in an 'Available Cash', 'Running Low' or 'Shortfall' situation. Don't panic if you're in a 'Shortfall'. Tough months can happen and we've got your back. Check out our 'help me make it' functions for available options to manage your cash flow.
We assess various data, including credit bureau info, to rate your credit fitness across seven indicators. This credit risk scale impacts your financial future so it is good to understand your strengths and weaknesses.
With some analysis revealing a two-year history, your credit fitness is not a quick-fix. It's why positive credit behaviour is so important.
Note. Your scale rating reflects credit behaviour only and is not an indication of a response to a credit request.
Use this nifty tool on the Banking App to start saving for that special event, alterations to your home, a much needed holiday for the family and much more. Starting today, your savings goal will enable you to manage and monitor the progress so you can realise your dream in your own time.
How to set up a savings goal
Once logged into your profile, you can set up a goal based on a current need, set up a monthly scheduled transfer and thereafter control the journey with smart notifications and reminders.
