01 — Save
Put a bit aside each month.
You pick the amount. We hold it safe — no interest, no games. It's your money.
How it works →Save a little each month. On your birthday it's a Visa card in your wallet. Spend it anywhere. Stay on track and unlock finance too.
Save monthly.
Get it back on your birthday.
Spend it anywhere.
Every year, the same promise: this birthday will be different. This year I'll save. Then it arrives — and you're broke. Again.
That ends now.
You pick the amount. We hold it safe — no interest, no games. It's your money.
How it works →
A Visa card in Apple Wallet and Google Pay. Spend it anywhere — in store or online.
Apply now →Sign up and verify your ID. Two minutes.
Choose what to save each month. We draft it.
We hold it safe until your birthday.
Your Visa lands in your wallet. Spend it anywhere.
No catch. Your birthday money comes from one of two clearly separate places.
Your own money, set aside each month. Held safely — never lent out, never invested, no interest games. Back to you on your birthday as a Visa, minus one flat $11.11 fee.
Extra money on top of your savings — from $2,000 up to $100,000, subject to approval. A privilege you earn by never missing a payment. A loan from our licensed partner, one clear fixed fee.
Stay on track all year and your birthday can unlock finance from $2,000 up to $100,000 — even when the banks say no.
See who qualifies →"I'm the one who says 'this year I'll save' every January and never does. Locking it away until my birthday is the only thing that's ever actually worked."
"My birthday money landed straight in Apple Wallet as a Visa I could spend anywhere. Exactly what's been missing."
"Simple, honest, and built here in Aotearoa. I put a bit aside each month and I always know what my birthday looks like."
"Stayed on track all year and got a yes on my birthday when my bank said no. That meant everything."
Sign up, pick your amount, done.