Your money stays yours

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

Regulated custodianRead-only bank linkAES-256 encryptionTwo-step on money out

Investment account

Account holder

You

Held by: Regulated custodian
Via: Licensed partner
Held by Dreamer: Nothing

Custody

Held in your name

Dreamer does not hold your money. It sits in an account in your name with our licensed investment partner, held by a regulated custodian. If Dreamer disappeared tomorrow, your investments would still be yours, where they are.

An account in your own name
Held by a regulated custodian

With a linked account, Dreamer can

See the transactions on the account you linked
Calculate round-ups from what you spent
Show you the week in the app and the report

With a linked account, Dreamer cannot

Move money out of it
See or store your bank username or password
Keep the link after you disconnect it

Your bank link

We can see your transactions. We can never move money.

The bank link is read-only, via a licensed open-banking provider. You are securely redirected to your bank's own sign-in — bank-grade security end to end — and brought straight back to Dreamer. We never see or hold your bank credentials. Disconnect any time.

Identity

Identity, verified once

Your ID number is encrypted the moment you tap Verify — AES-256, never shown back to anyone. It is checked, not stored in the clear: we keep a hash and the last four digits. Documents are encrypted at rest.

AES-256, the moment you tap Verify
A hash and the last four digits, nothing more

Enter your code

Sent to your phone

Illustration of the sign-in step

Signing in and moving money

Two steps before money leaves

Sign-in uses a one-time code to your phone. Two-step verification stays on for money leaving your account. Face ID or fingerprint can unlock the app on your device. Withdrawals go only to a verified bank account in your own name.

One-time codes to your phone
Withdrawals only to your own verified bank account

Dreamer

···· ···· ···· ····

Card

Held by the payment provider, not Dreamer

Payments

Cards, handled elsewhere

Membership and boosts are paid from a card you add on a hosted payment page. Card numbers never reach Dreamer's servers.

A hosted payment page
Card numbers never reach Dreamer

Report a problem,we will answer

If something about your account looks wrong, or you have found a security issue, write to support@dreamer.money. Every error screen in the app carries a support code you can copy and send with your message.

How data is handled: the privacy policy

Regulation

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

Licensing and risk are set out in the risk disclosure.

Security issues

support@dreamer.money

In the app

Copy the support code on any error screen

Your money

Held in your name with a regulated custodian

Questions

Account questions,answered plainly

How do I get my money out?

Withdraw to a verified bank account in your own name, anytime, free. Withdrawals usually land within two business days.

How is my account protected?

Sign-in uses one-time codes. Two-step verification stays on for any money leaving your account. Your ID number is stored as a hash and the last four digits only, and documents are encrypted at rest.

Who is behind Dreamer?

Dreamer is a product of Cedar Digital, a South African software company. Your investments are held with a regulated custodian in your name; Dreamer never holds your money.

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.