From R99 a month.All-in fees under 1%.
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. Past R150 000 invested, the monthly membership falls away entirely. Cancel any time.
Compare memberships
Every membership
- Auto round-up investing on every transaction
- Auto lump-sum boosts
- Unlimited Dreams with target dates
- Weekly Dream Reports
- Priority support
Accounts
- Linked bank accounts1Up to 3Up to 6
Fees
- Platform fee, a year0.5%0.5%0.5%
- Fund manager, a year≤0.39%≤0.39%≤0.39%
- All-in, a year≤0.89%≤0.89%≤0.89%
- Membership past R150 000Falls awayFalls awayFalls away
- Withdraw, pause or leaveFreeFreeFree
Pricing
- MonthlyR99R199R399
How Dreamermakes money
What it costs, a year
0.5%
Platform fee, a year, on what you invest
≤0.39%
Fund manager, a year, on most funds
≤0.89%
All-in, a year. Always under 1%.
Each fund's own fee is shown before you choose it, and on the funds page.
Dreamer is an authorised financial services provider. Your capital is at risk.
Two fees, both in the open
Everything you pay is at most 0.89% a year
- Plus the membership: R99 a month.
- Fund fees step down as your balance rises.
- Fees compound too. Under 1% leaves more of the growth with you.
- Past R150 000, the monthly membership falls away entirely.
- No withdrawal fee. No fee to pause. No fee to leave.
Paying for it
The membership is billed monthly to a card you add in the app. Card details are handled on a hosted payment page and never reach Dreamer's servers. Cancel anytime: you keep access until the end of the period you've paid for, and your money stays invested until you withdraw it.
Pricingquestions
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.