Help

hello@stash.co.za

What is Stash?

Stash is an app that invests your spare change. Simple. Every time you swipe your card, Stash detects the transaction, rounds it up to the nearest R10 and invests your spare change. This spare change - small amounts of money - is invested in SA’s Top 40 Biggest Companies. As these companies grow, so does your Stash.

Stash helps you stash small amounts every day in a tax-free investment. Just download the free app and tell us which bank card you use the most.

Every time you swipe that bank card, you pay for your goods, and stash your spare change. It’s just as if you’d paid with hard cash and the change has been stashed away in a piggy bank.

Your Stash is tucked away in South Africa’s biggest companies. So now South Africa’s brightest business brains are working for you.

Give your friends R10, on us, by referring them to Stash.

Currently, R33 000 from 1 March to the end of February each year. Exceed this, by investing in more than one tax-free savings account elsewhere, and SARS will ask for 40% of the amount you go over by.

Yes. Stash uses state-of-the-art security measures. Your personal information is anonymised, encrypted and securely stored. Stash is backed and operated by Liberty who’ve been creating new ways for South Africans to insure, save and invest for over 50 years.
Any debit, credit or cheque card from FNB, Standard Bank, Absa, Nedbank, Investec, RMB, Capitec and DiscoveryCard (VISA and MasterCard).
Stash is absolutely FREE! You will see ‘Hello Stash’ transactions on your bank statement, but these are just transfers to and from your Stash.

Starting your Stash?

After you install the free Stash app, all you’ll need to start stashing is:

  1. Your first name
  2. Your cell phone number
  3. A photo of your bank card – which we don’t store.
No. Stash has no minimum account balance. In fact, we’ll add a R10 to your Stash, just for signing up. Every time a friend of yours starts their own Stash, we’ll add R10 to your Stash too. We’ll stash all your spare change – all of it, from the first cent.
Your Stash is safe if you delete the app or get a new phone. Your Stash is not saved on your phone.
When you refer a friend, from your app, and they start their own Stash, we’ll give them R10. You’ll get R10 added to your Stash too. The maximum loot that can be added to your Stash from referrals is R1,000 (100 friends).
Yes. To do this, you need to send us an email. Uninstalling Stash does not close your account.

My Stash

Swipe your card often or change the digital bank notes you ‘use’ to pay for each transaction, e.g. stash the spare change that’s left over from paying with R20 notes instead of R10 notes.

Activating Sunny Money will stash R5 on a sunny day and Sweat stashes 5c for every 100 steps you take.

You'll also get R10 for each referred friend that signs up.

Yes! Your Stash’s growth includes dividends, interest and capital gains.

Stashing and cashing out

Yes. Simply tap the little pencil next to your current card.

30 hours, at most. By 2pm each day, your spare change from the past 24 hours get tallied up and the money is taken from your bank account. It’s invested at 8pm every day that the stock market is open. If your round up is R0.01, it’ll still get stashed. Every cent matters.

None. As long as Stash is your only tax-free savings account you won’t pay any capital gains tax, dividends tax or tax on your interest. If you have another tax-free savings account, make sure you don’t invest more than R33 000 between your Stash and other tax-free savings accounts or else you’ll pay a penalty to SARS. In May, we’ll send you a tax certificate (it’s nothing special really), so that you can tell the tax man about your Stash.
You get a tax-free savings allowance of R33 000 from 1 March to 28 February each year and R500 000 for the rest of your life. The key thing to consider is that whatever you cash out is irreplaceable. So, if you cash out R30 000, your tax-free allowance would be R470 000, i.e. you could only contribute R470 000 to a tax-free savings account for the rest of your life.

Yes, you can cash out of Stash at any time.

Download the Transfer Request Form in Important Docs in Help. Fill in the form, sign it, and send it to the product provider you wish to transfer to and ask them to fill out Section B. Then, email the completed form to transfers@stash.co.za. Make sure that the receiving product provider knows to look out for your transfer request. They may have their own requirements before you can start a transfer. Once we've received the completed form, we will process the transfer. We will send the money directly to the receiving product provider -- it won't be paid into your bank account.
Up to 10 business days from the day we receive your completed (Transfer Request Form)
Once we receive your transfer request, you won't be able to invest or cash out while we process the transfer. Your transfer is a full transfer which means that your Stash balance will be zero when the transfer happens. Your estimated transfer value will change between the day you request the transfer, and the day that the transfer is processed. This change is because of market fluctuations. Once you start the transfer, it cannot be stopped. You can transfer up to two times in a tax year (starting on 1 March).
Contact your existing provider and ask them for the Transfer Request Form. Fill it in, sign it, and send it to us. We'll send the completed form back to you. Once we've accepted the transfer, your existing provider will send the money directly to us -- it won't be paid into your bank account.

Security

With a PIN and your fingerprint (if your phone supports it).
Your personal data is always encrypted. We encrypt all communication between Stash servers and all third-party partners. Stash is backed and operated by Liberty who’ve been creating new ways for South Africans to insure, save and invest for over 50 years.

Spare change

When you swipe your bank card, we pretend that you paid with hard cash. If you choose to ‘pay’ with R10 notes, then

  1. we’ll pretend that you paid with R10 notes,
  2. your bank will pay the merchant and
  3. your bank will give us the spare change which we’ll add to your Stash.
The round-up comes from the card you linked to your Stash. You can see the spare change transaction on your bank statements by looking for ‘Hello Stash’.
Yes. The spare change will be a whole bank note then. So, for example, if you’ve set Stash to pretend that you paid with R10 notes, and your bill comes to R200.00, your bank will pay the merchant R200.00 and give us R10 to stash too.

Sunny Money

It’s a feature that stashes money every day that it’s sunny in your area.

Every morning, Stash checks the weather in your area. If it’s sunny, you stash money. You can choose to stash R5, R10, R20 or maximum temperature of that day (in Rands).

Before 1pm each day, you can stop Sunny Money from getting stashed on a sunny day.

You can also set a monthly limit to the amount that gets stashed.

It requires access to your device’s location to work. When you activate the feature, Stash asks for your permission.

We get our weather data from Open Weather Map. When they describe that day’s weather as either ‘Clear Sky’ or ‘Few Clouds’, then you’ll stash.

Sweat to Stash

It’s a feature that stashes money based on your fitness data. Daily, for each of 100 steps, 100 meters, 20 calories and 20 seconds of activity, you’ll collect one drop. One drop stashes 5c.

By 1pm each day, Sweat will be stashed.

You can also set a monthly limit to the amount that gets stashed.

Stash uses Google Fit to work out how much to stash based on your fitness data. Download Google Fit in the Play Store.

Fitness devices and apps from Strava, Withings, Runtastic, Runkeeper, Noom Coach, Android Wear, Nike+, MyFitnessPal, Lifesum, Basis, Sleep as Android and Xiaomi Mi bands can connect with Google Fit to show all of your data in one place.

Remember, the fitness data in Google Fit belongs to you. You can grant apps access to use the data and add to it, and at any time revoke that access from the Google Settings app. You can also delete the data stored in Google Fit at any time.

Smart Deposits

It’s a feature that stashes money when it’s ‘safe to save’. Every day, Stash works out whether money is safe to save by comparing your spending behaviour this month to last month. If you’ve spent less money this month than you did last month, you’ll stash R5.

Before 1pm each day, you can stop Smart Deposits from getting stashed.

You can also set a monthly limit to the amount that gets stashed.

It uses the same data as the rest of the app. It collects data for a month to establish your spending patterns. The longer you have a Stash, the smarter Smart Deposits becomes.

No. That’s part of the reason it’s so smart.

Location

Yes. As long as you have a South African ID number.

FICA

To help the government fight money laundering and terrorism we need to make sure you are who you say you are. To do this, email hello@stash.co.za a copy of an identity document and proof of address.

  • South African green bar-coded ID book, or
  • South African ID smart-card, or
  • South African driving license card
Any of these documents with your name on them will work:
Issued in the last 3 months
  • Bank statement
  • Cellphone bill
  • Utility bill
  • Levy statement
  • Retail account statement
  • DStv statement
Issued in the last year
  • Lease agreement
  • Vehicle licence
  • SARS document
  • Insurance or investment document

Contact

We don’t have a phone number because our customer support is optimised for in-app chat and email. We read and respond to every single customer query we receive. It really is the best way to get in touch with us. We're here to help, so email us at help@stash.co.za if you have a question.