Moneyclub
Fees & earnings

What it costs, and what you earn.

Running your clubs and goals is free. Here’s how your money earns while it waits, and the few things that carry a fee — always shown before you confirm.

Free

Saving together costs nothing to run.

  • Downloading the app or using Moneyclub on the web
  • Starting, joining and running a club or goal
  • Inviting members by link, WhatsApp or QR
  • Seeing every contribution and payout, live
  • Moving cashback into a savings pocket
How it earns

Every product earns — in its own way.

Rates move with the market, so we don’t print them here. The current rate for each product shows in the app before you start.

Savings ClubInterestOn the pot while it waits for payout day.
Goal SaveInterestOn your balance while you save toward your goal.
Rotating stokvelMonthly cashbackPaid into your rewards pocket every month.
Goal FundMonthly cashbackPaid into your rewards pocket every month.
Group GiftMonthly cashbackPaid into your rewards pocket every month.
Shari’ah club & goalProfit shareA Shari’ah profit share. Never interest.
Moving money out

Fast or standard — you choose.

Instant payout to your bank

Arrives in your bank account within minutes. It carries a fee, and you’ll see it before you confirm.

Standard EFT to your bank

Arrives in 1–2 business days. Any fee is shown before you confirm. Shari’ah savings always pay out by standard EFT.

To your Moneyclub Pocket

Keep it in Moneyclub instead: payouts can land in your Pocket, ready to pay into your next club or goal, or to withdraw later.
Through your employer

Earned wage access.

If your employer partners with Floatpays, you can draw wages you’ve already earned before payday, or buy airtime, data and electricity with them. Each withdrawal has a fee, shown before you confirm. The full terms are in our Terms & Conditions.

Question about a fee?

Ask us before you start. We’ll tell you exactly what applies to your club or goal.

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