Choose an amount. We hold it until your birthday. Then we hand it back as a Visa card — ready to spend anywhere. Simple as that.
Or back the launch → and get founding perks.
Set it up once. Forget about it. Celebrate.
Create your account and verify your ID. Two minutes. One time.
Choose how much to save each month. We draft it on your payday.
Your savings sit safely locked until your birthday comes around.
On your birthday morning, your Visa card lands in Apple Wallet. Spend it anywhere Visa is accepted.
Anyone with a birthday. Especially the person who says every year "this time I'll save" and never quite does.
Into a regulated savings account, held by our licensed partner iGoDirect — a Visa Principal Member registered with ASIC. On your birthday, the full balance issues to you as a digital Visa card, minus a small processing fee.
Yes. Cancel in the app whenever you like. If you cancel before your birthday, a fair cancellation fee applies — that's the lock-in that makes the whole thing work.
Anywhere Visa is accepted. Online, in store, through Apple Wallet, through Google Pay. Your card stays valid for 36 months.
New Zealand first, in the coming months. Waitlist members get early access and bonus perks on their first birthday payout.
Australia next. Rest of the world after that. The waitlist opens country by country.
A year of quiet deposits builds something real. Here's what members are actually saving toward — and why the balance can change a whole year.
The typical NZ used-car market sits between $6k and $30k. A year of steady deposits can buy a clean runabout outright, or land a serious deposit on something newer. Members run a Motochek vehicle history report before any handover.
50cc mopeds start under a grand on Trade Me; a tidy second-hand bike sits in the low thousands. Cheaper commute, real freedom — and a Motochek before you sign.
Nine-night sailings from Auckland to Fiji start around $1,400 interior, $1,950 balcony, per person twin share. Suva, Lautoka, Dravuni Island — a real birthday week.
Budget travellers spend $200–$300 a day in NZ — petrol, ferry, accom, every flat white in between. A week on the road, all you.
Return flights from Auckland from $130. Add two nights mid-range hotel and dinners that don't pretend to be cheap, and your birthday weekend is paid for.
The watch. The bag. The ring. The thing you've been putting off because next year. This is next year.
We'll email you the moment membership opens. No spam. Ever.