Your personal
financial fitness
assistant.
Tell us what you're working towards.
We'll get you there.
The Financial Fitness Assistant™ is built around one idea: your goals. Buying a home, clearing debt, retiring early, protecting your family. You tell us the goal; we personalise every conversation, Power Tool and recommendation to close the gap between where you are and where you want to be — faster. The more you share, the sharper the plan.
Everything you need to know about
your money. Just ask.
Your advisor connects to your accounts, cards, loans, and investments — turning every question into a personalised, data-driven answer.
Spending Intelligence
See every transaction automatically categorised. Know exactly where your money goes — dining, groceries, fuel, subscriptions — and get alerts when you're overspending.
Knows your life, not just your balance.
Your Assistant remembers context — that you bought your first home 3 months ago, that you're expecting a child, that your salary just increased. Answers are shaped by where you are in life.
Investment Tracking
Monitor unit trusts, tax-free savings, and share trading performance in real time. Get AI insights on your portfolio allocation.
Smart Budgets
AI builds a budget from your real transaction history and tracks it all month.
Financial Health Score
Your real-time financial fitness rating — based on spending, savings, debt, and goals. Track progress as you improve.
Loan Simulator
Model the impact of extra payments on your home loan, compare vehicle finance options, and see how different terms affect your total cost.
Goal Planning
Set savings goals — holiday, emergency fund, education — and get a personalised plan to reach them.
Six specialists,
working on your goals.
Each tool is an expert at one thing — and they all talk to each other, orchestrated around the goals you set. Your budget knows your targets. Your loan simulator knows your credit score. Your wealth planner knows your personality. The more you share, the smarter every answer — and the faster you hit the goal.
A living score measured from your real accounts and updated every day — not a form you fill in once. Pinpoints the three focus areas that will move you towards your goals fastest.
A 2-minute conversation to understand your money style — saver, spender, investor, avoider. Every other tool adapts its tone and defaults to fit you.
Your real credit score, continuously monitored. Flags changes before they hurt you, shows what's dragging your score, and tells you exactly what to do to improve it.
Builds a budget from your actual transactions — not a template. Routes surplus to your goals, warns you before you overspend, and adapts every month.
Models your wealth over 5, 10, 20 years based on real contributions. Recommends where to invest — guided by your Fitness Check priorities and Money Personality.
See what you can actually afford — based on your real budget, credit score, and life goals. Compare scenarios before you commit to a car, a home, or a personal loan.
One goal. Six agents, quietly working on it.
You tell us what you're working towards. Behind every answer the agents swap context with each other — credit, cash flow, personality, protection, wealth — so what comes back is the best move for your goal in your situation. You don't have to stitch it together. Just say the goal.
Every financial fitness promise
finally delivered.
Other banks give you articles, calculators, and webinars. We give you an assistant that does the work with you — every day, in real time, based on your actual money.
“I had my whole bank in an app. I still couldn't find what I needed when I needed it — and half the time I didn't even know what to ask for.”
- ✕ Articles you have to read
- ✕ One-off calculators you run yourself
- ✕ Static scores, measured once
- ✕ Generic tips for “everyone”
- ✕ You track the numbers
- A partner that acts with you
- Tools that run automatically, continuously
- A living score that tracks with your life
- Guidance built from your own data
- We watch the numbers, you live your life
Every debt, prioritised automatically.
We don't hand you a “how to prioritise debt” article. We look at every loan, card and overdraft you hold — their rates, balances, and maturities — and rank them for you in order of what to clear first. Ask “what should I pay down next?” and you get a ranked plan with the exact rand impact of each option.
A savings plan that adjusts as you live.
A goal calculator tells you what to save. We tell you if you're on track — today, tomorrow, after that unexpected expense. Set a goal once, and we watch it: rebalancing the monthly target as your cash flow changes, nudging you when you're falling behind, and flagging shortcuts — unused TFSA room, UCount points, better-rate accounts.
A budget that builds itself.
No spreadsheet to fill in. No planner to download. Your transactions become your budget — we categorise every spend, set realistic limits based on your actual habits, and alert you when you're drifting. You don't learn how to budget, you just have one — and it keeps working while you don't think about it.
Retirement isn't a quiz. It's a trajectory.
A one-time retirement calculator gives you a number. We give you the path. The Assistant projects where you'll land based on your real contributions today, models what life events do to the trajectory (promotion, baby, home loan paid off), and shows the smallest change that gets you on course. Ask once, watch it update forever.
Guidance that finds you, not the other way round.
You shouldn’t need to search for "what to do if struggling with rent" or "how to save on energy." When your account is heading that way, we tell you — and give you three actions specific to your situation, not a generic article. The Assistant raises its hand before things become a problem.
Answers about your money, not about money.
“Rising cost of living.” “Fraud and security.” “Financial education.” Other banks publish guides. We answer the only question that matters: how does this apply to me? When living costs climb, we show exactly what in your budget is driving it. When there's a fraud pattern, we check your accounts for exposure. When you want to learn, we teach using your own money as the example.
One living score. Not a one-off check.
Other banks ask you to fill in a form to calculate your financial fitness score. Ours is already there — measured from your real accounts, updated every day, and tied to the actions that move it. Your score goes up when your debt goes down, when your savings grow, when your cash flow stabilises. You don't check your fitness. You live it.
Feels like talking to
a private banker.
Your financial fitness assistant knows your accounts, credit cards, investments, insurance, and loans. It doesn't just give generic advice — it gives answers grounded in your actual data.
Connected to all your accounts
3 bank accounts, 2 credit cards, and linked investments — all synced in real time.
Insurance coverage review
Analyses your life, disability, and home cover against your actual liabilities and dependants.
Forex & Shyft integration
Get real-time guidance on the best time to convert ZAR to USD, EUR, or GBP.
Conversation history
Pick up where you left off. Your previous analyses, plans, and insights are always available.
Backed by Africa's most
trusted bank.
Your financial data is protected by the same security infrastructure that serves 19 million clients across 20 countries.
Not sure where to start?
Try one of these.
From the everyday to the life-changing — every question answered with your real account data.
Tell us what you're working towards.
We'll help you get there.
Connect your Standard Bank accounts, state your goals, and meet the Financial Fitness Assistant™. The more you share, the faster we close the gap between where you are and where you want to be.