Membership & rules
Save. Keep your word.
Save all year, stay on track with your membership, and on your birthday you'll have your full savings waiting for you. Here's how it works.
Membership & rules
Save all year, stay on track with your membership, and on your birthday you'll have your full savings waiting for you. Here's how it works.
It holds your savings and keeps your standing with the club. Stay on track, and your birthday's the day the answer is yes.
You choose how much and how often. The app helps you set an amount you can afford, it's auto-deducted from your bank account, held securely, and returned to you in full on your birthday.
This is your own money — you pick the amount and the schedule, we help you keep it affordable, and it's set aside for your birthday.
No credit check. No hidden rules. Just you and your savings until your birthday.
Plain English. No fine-print games.
Your savings lock until your birthday. It's the whole point — you can't dip in, so it's always there when you need it.
Your membership is drafted each month. Life happens — you're allowed to skip, but a skip carries a penalty.
Missed payments come with a penalty. Settle it anytime to stay in good standing and keep your membership active.
Your birthday arrives, your full savings arrive as a digital Visa in Apple Wallet or Google Pay. Spend it anywhere.
Honest details, verified ID, active membership. Standard stuff that keeps everyone safe.
Even if you miss payments, on your birthday you receive your full savings as a digital Visa. The membership fee is separate.
No lock-outs for life. Miss one, pick a path — and buy your way back anytime.
Missed a payment? That's fine. Leave it, and you keep saving toward your birthday — you'll still get your full balance on the day.
Accept and pay the penalty fee for the missed payment, and your membership stays clean. Good standing keeps everything smooth.
Ask us to total your outstanding penalties and settle them whenever you like. Clear the balance and you're back in good standing.
On your birthday, your full accumulated balance arrives as a digital Visa — yours to spend anywhere. Whether you kept every payment on track or skipped a few, you receive what you saved. Simple.
You've kept your membership active and on track. On your birthday your full savings arrive as a digital Visa in your wallet. No questions, no surprises. Just your money on the day it matters.
Sign up, pick your amount, done.
Da Birthday Club membership is $11.11 per month (NZD) — this is the only fee you pay us, and it is separate from your savings. You choose how much to save and how often (weekly, fortnightly or monthly); the app helps you set an amount you can comfortably afford based on your income, and that amount is automatically deducted from your own bank account each cycle. The money you choose to save is your own; it is held in a safeguarded account with our licensed payments partner, separately from our own funds, and is not lent out or invested. On your birthday your full savings balance issues to you as a digital Visa card — returned in full, no interest, ever. The savings lock-in: by joining, you agree your savings stay set aside until your birthday and are not available for early withdrawal — this lock is the point of the club and is what sets it apart from an everyday account. Genuine hardship: if you experience genuine financial hardship, you may request an early release and we will assess it fairly. You may cancel your membership at any time, and on cancellation your saved balance is returned to you.
You may miss or skip a monthly membership payment. A penalty fee applies to each missed payment. You can settle outstanding penalties at any time to keep your membership in good standing. Penalty amounts are disclosed in your account and in your membership agreement.
Da Birthday Club is a New Zealand company operating on regulated payment rails. The Visa card is issued by our licensed card-issuing partner and is subject to the issuer's cardholder terms. This page is a summary only — full terms are in your membership agreement. It is not financial advice.
No. Anyone 18+ and resident in New Zealand can join and save — there's no credit check to become a member, ever.
You're allowed to. A penalty fee applies to the missed payment. You can settle outstanding penalties at any time to keep your membership in good standing.
If you need to cancel or pause, you can. Your saved balance is returned to you. If you cancel before your birthday, a fair cancellation fee may apply — that lock-in is what makes the savings work.
You still get every dollar you saved, issued as a digital Visa on your birthday — your money is always guaranteed to come back to you.
Anywhere Visa is accepted — in store, online, through Apple Wallet or Google Pay.
Yes, from within the app. A fair cancellation fee may apply if you cancel before your birthday — that lock-in is what makes the savings discipline work.