Your money
Shared goal.
Individual money.
Kiti brings the community together. An approved savings partner powers the savings — every contribution stays individually attributable to the member who made it.
Kiti is a modern digital platform for discovering and forming goal-based stokvel communities. Kiti brings people together around a shared goal; an approved savings partner handles contributions, individual balances, interest and withdrawals.
See how it worksThe money journey
- 1
Join a Kiti community
Agree the goal, contribution and timeline
- 2
Community forms
Once enough members join, saving begins
- 3
Save through the approved savings partner
Your contribution is processed and recorded
- 4
Your money, your name
Individually attributable, earning up to 6.25% p.a.*
- 5
Follow shared progress
Everyone sees the community total on Kiti
- 6
Withdraw individually
Per the applicable cash-out rules
One shared goal. Individual money.
*Applicable to eligible partner savings products. Rates may change. Partner terms apply.
Who does what
Kiti powers the community.
the approved savings partner powers the savings.
Kiti
Kiti helps members:
- discover people with similar goals
- form communities
- agree on community rules
- communicate
- vote
- track the journey
- build reputation
- follow shared progress
an approved savings partner
the approved savings partner provides the savings infrastructure for:
- member contributions
- individual savings records
- balances
- transaction history
- interest
- verified withdrawals
- payout processing
Kiti is not a bank and does not hold or pool members' savings.
Contributions
Every contribution.
Clearly recorded.
Contribute via the approved savings partner — top up using EFT and track your community progress through Kiti.
Community total
Wimbledon 2028
Community goal
R420,000
Community progress
R240,000
Everyone's contributions combined.
This is the group's shared progress — not the amount any one member owns.
My money
Your savings record
Your contributions
R30,000
Interest earned
R1,847
Your balance
R31,847
Recorded against your own individual savings profile.
Earn interest
Up to 6.25% p.a.*
Your savings can keep earning interest while the community works towards its goal.
*an approved savings partner current advertised rate. Rates may change. Partner terms apply.
Is everyone's money pooled?
Together towards one goal.
Individually allocated savings.
A community works towards one shared target, while each member's contributions are recorded against their own individual savings profile.
Community
Wimbledon 2028
Total community progress
R240,000
Member
Your balance
R31,847
Your contributions R30,000
Interest R1,847
Community progress and your own savings are two different things — shared progress never means shared ownership of your balance.
Withdrawals
Your savings.
Your withdrawal.
Where the applicable cash-out rules allow it, members can withdraw their available savings individually.
Available balance
R31,847
How much would you like to withdraw?
Availability depends on the community's applicable cash-out rules.
Payout method
Your savings
R31,847Interest
+ applicable interestpartner cash-out fee
Shown before confirmationBefore you withdraw
You will see any applicable partner cash-out fee before confirming your withdrawal.
Withdrawals are processed by an approved savings partner to your verified bank account.
Individual withdrawals
Does everyone have to withdraw together?
No.
Members can withdraw their available savings individually, subject to the applicable community cash-out rules.
Thabo
Withdraws R15,000
Lerato
Keeps saving
Amanda
Withdraws R5,000
Sipho
Transfers savings to another goal
One member withdrawing does not automatically require the whole community to withdraw.
Member control
Can an administrator just take everyone's money?
No.
Community administration does not mean unrestricted access to members' money. Where an Administrator Goal Fund is used, administrator payouts require member approval per the applicable partner cash-out process.
Admin requests payout
Member 1
Approve
Member 2
Approve
Member 3
Approve
Member 4
Approve
Payout authorised
No administrator has unilateral control over another member's individual savings.
Interest
Your money
doesn't just sit there.
While you work towards your goal, eligible savings held through an approved savings partner can earn up to 6.25% p.a.*
You contributed
R30,000
Interest earned
R1,847
Illustrative example
Your balance
R31,847
Save
Make contributions towards your goal.
Earn
Eligible savings through an approved savings partner can earn up to 6.25% p.a.*
Grow
Track your savings and interest as you move towards your goal.
Your savings can earn up to 6.25% p.a.* Interest is provided through an approved savings partner, not by Kiti, and applies to your own individual savings — not to the community total.
*Rates are determined by an approved savings partner and may change. Applicable to eligible partner savings products.
Fees
Simple fees.
No surprises.
The Kiti administration fee and the approved partner's savings fees are separate charges.
What does it cost?
01
Joining Kiti
R0
No fee to discover or apply to communities.
02
Kiti administration
R99
Once-off Kiti administration fee when your community forms and is ready to begin.
03
Contributions
R0 Kiti fee
Standard EFT contributions through the approved savings partner are not subject to a Kiti contribution fee.
04
Cashing out
Partner fee may apply
An approved savings partner may charge a once-off fee when savings are cashed out, shown before you confirm.
Kiti administration
R99 once-off
Charged once your community has formed and is ready to begin. No monthly Kiti membership fee.
Charged by KitiSavings & cash-out fees
an approved savings partner
- No monthly savings account fee.
- No setup fee for the partner savings account.
- A once-off cash-out/transaction fee may apply when savings are withdrawn, depending on the applicable the approved savings partner fee structure.
- The applicable fee is shown before the member confirms the transaction.
Partner fees are charged by the approved savings partner, not Kiti.
Who charges what?
Kiti
R99 once-off administration fee
An approved savings partner
Savings provider. Applicable cash-out/transaction fees may apply.
Bank
Your bank's normal banking charges may apply where relevant.
You
An approved savings partner
Your savings / community savings
Goal or target date
Cash out
Kiti administers the community experience. An approved savings partner powers the savings.
What happens if I pause?
Life happens.
Lost my job
You can pause contributions. Money you've already saved stays recorded against your own profile.
Extra money this month
You can make an additional contribution at any time.
Need to leave early
Early access depends on the community's applicable cash-out rules. Where permitted, you can cash out your available savings and leave.
The end of a goal
What happens when the goal ends?
Goal completed
Community closes
Your balance moves to your the approved savings partner pocket
You choose
Withdraw
Save again
Move to another club
Start a personal goal
Trust
Your money shouldn't require blind trust.
Individual records
Every member has their own contribution history.
Verified payouts
Withdrawals go to verified member bank accounts.
Visible progress
Members can see community progress.
Member control
You retain control over your own savings, subject to the applicable cash-out rules.
Questions
Money questions, answered.
Your contribution is processed through an approved savings partner and recorded against your own individual savings profile.
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