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Dreamer

Round up everypurchase. Investthe change.

Get the app
Dreamer links to your bank, rounds up what you spend and every Friday invests the difference into dreams you name and date.
<1%
All-in fees a year, on every fund. Membership from R99 a month.

Every fund on Dreamer is run by a managerSouth Africans already invest with.

Ninety OneCoronationSatrixSygnia ItrixFNB / Ashburton1nvest10XAbsa (NewGold)

Your spare change,hard at work in dreamsyou name, numberand date.

Nothing to trade, nothing to time. Set it up once and your purchases do the rest.

See how it works
How it grows

Three ways in,all of them automatic

Coffee

Card purchase

R50.00

Paid R47.20

+R2.80 to Tuscany 2027

Round-ups on every purchase

A R47.20 coffee becomes R50.00. The R2.80 goes to a dream, collected every Friday.

Dreams with a name and a date

Every rand is attached to something you want, and you can see plainly whether it is on pace.

Tuscany 2027

Example · by Sep 2027

66%

R31 680.40 of R48 000

On pace

A weekly Dream Report

Every Sunday: what came in, where it sits and what it cost.

…and a few more things it does

  • A recurring amount

    Every week, two weeks or month. Skip, pause or stop it any time.

  • Once-off boosts

    A bonus or a refund, straight to a dream in one tap.

  • Tax-free dreams

    Up to R46 000 a year with no tax on the growth.

  • Withdraw anytime

    Free, and usually in your bank within two business days.

  • Bring what you have

    Transfer existing holdings in, including a tax-free account.

Why it works

Investing that runson its own

Your Round-Up Jar · 3 purchases

Friday

R11.35

This week's purchases

3
  • CCoffeeR47.20 → R50.00+R2.80
  • GGroceriesR412.35 → R420.00+R7.65
  • FFuelR689.10 → R690.00+R0.90

Collects R11.35 on Friday

Automatic, every week

Save without deciding to save, every single week

Round-ups add up quietly all week and collect in one line on your statement every Friday. Add a recurring amount or a boost only when you want to.
  • One collection a week, not fifty
  • Pause, cap or change it any time

What it costs, a year

  • 0.5%

    Platform, a year

  • ≤0.39%

    Fund manager, most funds

  • ≤0.89%

    All-in, a year

Dreamer is an authorised financial services provider. Your capital is at risk.

Fees you can read

Every fee shown, and all of it under 1%

A 0.5% platform fee and at most 0.39% to the fund manager. Past R150 000 invested, the monthly membership falls away.
  • Each fund's fee shown before you choose
  • Fund fees step down as you grow
The whole fee story

Your money, your name

Held in your name. Never by Dreamer.

Your investments sit with a licensed investment partner in your name. The bank link is read-only, and your ID number is encrypted the moment you tap Verify.
  • We can see transactions, never move money
  • Disconnect the bank link any time
How your money stays yours
The numbers

Small change,plain numbers

R2.80From one R47.20 coffee, rounded to R50.00
0.89%The most you pay all-in, a year. Always under 1%.
R0To withdraw. It usually lands within two business days.
How it works

From zero to collectingin about ten minutes

Example, from the app. Not a live account.

  1. 1

    Connect your bank

    You sign in at your own bank and come straight back. The link is read-only: Dreamer sees transactions and can never move money.

  2. 2

    Name a dream

    A name, a number and a date. Tuscany 2027, the emergency cushion, a first home. As many dreams as you like.

  3. 3

    Pick how it grows

    Every fund is open to you, fees shown up front. You choose; Dreamer never recommends one.

  4. 4

    Set the rhythm

    Round to the nearest R10, add a recurring amount if you like. The change collects every Friday.

Pricing

One membership.Every feature, every fund.

1 linked bank account

Most popular

R99/month

Dreamer

Every feature, every fund. One linked bank account.

  • 1 linked bank account
  • Auto round-up investing on every transaction
  • Auto lump-sum boosts
  • Unlimited Dreams with target dates
  • Weekly Dream Reports
  • Priority support
Get the app

Up to 3 linked accounts

R199/month

Big Dreamer

Every feature, every fund. Link up to 3 bank accounts.

  • Up to 3 linked accounts
  • Auto round-up investing on every transaction
  • Auto lump-sum boosts
  • Unlimited Dreams with target dates
  • Weekly Dream Reports
  • Priority support
Get the app

Up to 6 linked accounts

R399/month

Family Dreams

Every feature, every fund. Link up to 6 bank accounts.

  • Up to 6 linked accounts
  • Auto round-up investing on every transaction
  • Auto lump-sum boosts
  • Unlimited Dreams with target dates
  • Weekly Dream Reports
  • Priority support
Get the app

Plus all-in investment fees of at most 0.89% a year. Past R150 000 invested, the monthly membership falls away entirely. Cancel any time.

Dreams

Every purchase buildsyour dreams

Example dreams. Yours will have your name on them.

Questions

Questions,answered plainly

How does Dreamer make money?

Two things, both in the open: your membership, and a 0.5% yearly platform fee on what you invest - that keeps the automation, the bank feeds and the reports running. The fund manager charges at most 0.39%, so everything you pay is at most 0.89% a year - always under 1%, nothing hidden. And it shrinks as you grow: fund fees step down as your balance rises, and past R150 000 the monthly subscription falls away entirely.

Can I get my money out?

Anytime, free. Withdrawals usually land within two business days.

Is my money safe?

Your investments are held with a regulated custodian in your name. Dreamer never holds your money.

What happens if I cancel?

You keep access until the end of the period you've paid for. Your money stays invested until you withdraw it.

Every question we get asked

Every tap buildsyour dream.Start this Friday.

Download Dreamer, link a bank, name a dream. R99 a month, all-in fees under 1% a year, cancel any time.
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