The savings app built for South African stokvels.
Stokvel, mogodisano, umgalelo, gooi-gooi, letsema — whatever your group calls it, Stok-Vel keeps every contribution, payout and member balance in one shared book the whole group can see. Free for every member. Your savings never leave your stokvel’s own bank account.
Group total (recorded)
R 248 500
Held in the stokvel’s own bank account.
My savings
R 18 000
Available to draw
This month
14 / 14 paid
Meeting reconciled
The book is fragile. Trust shouldn’t be.
The treasurer’s notebook can be lost, disputed, or quietly changed. Members can’t easily see where they stand — and the honest treasurer carries the blame for every doubt. Stok-Vel makes the record shared, permanent, and tamper-evident, so members don’t have to trust the book — they can see it. Without changing how you save.
Six tools. One stokvel. Every month.
Most groups run on a patchwork — and every hand-over between tools is where money stops matching the book.
Saving with peace of mind
How it works
Meet and pay as always
Members bring cash to the monthly meeting; an admin records who paid what — in seconds.
Everyone sees the truth
Members see their own savings and the live group total; loans are shared; every entry is timestamped.
Close the year with confidence
In December, savings go back to each member and bank interest is shared — calculated, not argued.
Everything the book should be
Private member wallets + live group total
Each member sees their own savings and the group's running total in real time.
Public loan board
Early withdrawals against your own savings are visible to the group — fair and transparent.
Three-admin model + floor rep
Treasurer, coordinator, secretary — with an optional floor representative overseeing them.
Announcements & replies
A group feed for meetings, reminders, and decisions — with threaded replies.
Monthly & year-end statements
Clean, printable statements — each member's own data, on demand.
Tamper-evident audit trail
Every admin action is timestamped, attributed, and visible to your floor rep.
One app. Two experiences.
Every member signs into the same Stok-Vel app — what they see depends on their role. Members manage their own participation; admins get the tools to run the whole stokvel.
Tap the poster to view it full size.
Built for trust
We never hold or move money. Your bank account stays yours; cash keeps changing hands at meetings exactly as before.
Members see only their own data plus group totals. Loans are shared on purpose — everything else is private.
Every admin action is logged and visible to your floor representative — a tamper-evident trail.
Bank-grade security with mandatory two-factor for admins. Built for South African stokvels, POPIA-minded.
Whatever your community calls it, it’s built for you
Any group of 5 to 200+ that pools and saves together — in any language, in any province.
And the same tradition lives across the continent — we’re building for all of it:
Invite us to your stokvel
Meeting this weekend? Invite us along. We come out to stokvels anywhere in South Africa — weekends included, because that is when most groups meet. We assign your group an agent, show every member how the app works on their own phone, answer whatever you want to ask, and bring something for the members. It costs nothing, and you are under no obligation to sign up.
Questions, answered plainly
Do you hold our money?
No. You keep your own bank account — we only keep the records. The app never receives, holds, or moves your savings.
Do we change how we run meetings?
No. Keep meeting and paying cash exactly as you do. We just replace the paper book.
Can members see each other's savings?
No — only your own, plus the group total. Loans are shared on purpose, because they affect the group pot.