Coffee
Card purchase
R50.00
Paid R47.20
+R2.80 to Tax-Free Savings
Round-ups on every purchase
A R47.20 coffee becomes R50.00. The R2.80 is invested in a dream every Friday, where it can compound.
Round up everypurchase. Investthe change.Automatically.
Dreamer links to your bank, rounds up what you spend and automatically invests the change every Friday. Not saved in a jar: invested, so it can compound in dreams you name and date.
<1%
All-in fees a year, on every fund. Membership from R99 a month.
The biggest, most trusted funds in South Africa.All on Dreamer.
Ninety OneCoronationSatrixSygnia ItrixFNB / Ashburton1nvest10XAbsa (NewGold)
Your spare change,hard at work,compounding automatically.
Invested, growth earns growth of its own. Set it up once and your purchases do the rest.
How it grows
Round-ups, dreamsand a weekly report
Every purchase rounds up, every rand goes to a dream, and every Sunday you see what it did. All of it automatic.
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.
Tax-Free Savings
Example · by Sep 2027
66%
R330 000.00 of R500 000
On paceA weekly Dream Report
Every Sunday: what came in, where it sits and what it cost.
Be first in
Join the waitlist…plus all your traditional investment options
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
FridayR11.35
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
R450 a month, for 30 years
- You put in
- Growth on top
At 10% growth a year, about 9% after all fees. R661 834 of the total is growth.
Projections are estimates based on your current contributions, not guarantees. Your capital is at risk.
| Year | Put in | Could be worth |
|---|---|---|
| 5 | R27 000 | R33 941 |
| 10 | R54 000 | R87 081 |
| 15 | R81 000 | R170 283 |
| 20 | R108 000 | R300 549 |
| 25 | R135 000 | R504 505 |
| 30 | R162 000 | R823 834 |
Invested, not saved
Small change, compounding for years
Change in a jar stays change. Invested, it earns growth, and that growth earns growth of its own. In the app's own example, R450 a month for 30 years is R162 000 put in and R823 834 at the end.
- Starts with your very first round-up
- Time matters more than amount, so starting early counts
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 see and actually understand
Every fee shown, and all of it under 1%
A 0.5% platform fee and at most 0.39% to the fund manager. Fees compound too, so keeping them low leaves more of the growth with you.
- Each fund's fee shown before you choose
- Fund fees step down as you grow
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
The numbers
Small change,big results
R2.80From one R47.20 coffee, rounded to R50.00
R823 834What R450 a month could grow to in 30 years at 10% growth a year. R162 000 put in; the rest is compounding.
Projections are estimates based on your current contributions, not guarantees. Your capital is at risk.
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 investingin a few taps
No paperwork and no branch visit. Your ID is verified in the app, your bank links through its own sign-in, and you are set up.
Example, from the app. Not a live account.
- 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
Name a dream
A name, a number and a date. A tax-free savings account, the emergency cushion, a first home. As many dreams as you like.
- 3
Pick how it grows
Every fund is open to you, fees shown up front. You choose; Dreamer never recommends one.
- 4
Set the rhythm
Round to the nearest R10, add a recurring amount if you like. The change is invested every Friday, and left to compound.
Pricing
One membership.Every feature, every fund.
1 linked bank account
Most popularR99/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
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
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
Plus all-in investment fees of at most 0.89% a year. 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 fund fees step down as your balance rises.
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 tap buildsyour dream.Be first in.
Join the waitlist and be first in when Dreamer opens. Your change, invested every Friday and left to compound. R99 a month, all-in fees under 1% a year.