We move your money. So you don't have to.
No budgeting. No spreadsheets. Nothing to keep up.
Works with New Zealand's major banks
Connected through Akahu, New Zealand's open banking network.
Wealth that happens to you.
Reallo is a New Zealand automatic saving and investing app. It reads your everyday cashflow, works out what you can spare that week, and moves it to the savings, KiwiSaver or investment account you choose. You set the pace, Chill, Steady or Eager. Reallo works out the amount.
Investing intentions rarely fail because of the investments. They fail earlier.
Most people never get past deciding how much to move.
Even when they do, they forget to move it.
So money sits in their account, doing nothing.
Reallo solves all of it, automatically.
How it works
Spend less, move more.
That's the catch: when a week's spending is lighter than usual, the difference moves before it becomes next week's spending money.
Have a quiet week on the takeaways and Reallo notices. That's money you didn't miss, so it moves toward your future instead of quietly disappearing. Have a big week and the catch moves nothing; what your cashflow can spare still does.
Just waiting for everything to settle, your move lands Wednesday night.
This week so far, you're $32 under your usual, and all $32 moves Wednesday.
Illustrative only. Not financial advice.
You're never left short.
Illustrative only.
- Reallo never crosses your safety buffer.
- You stay comfortable, whatever the month.
The thing we protect above all
We never hold your money.
Yes, Reallo moves money for you. Every move goes straight from your bank to a destination set up in Reallo, never into ours. For KiwiSaver and investing that is the provider's own account, sent with your reference. Switch it off anytime, in one tap.
Akahu is New Zealand's open banking network. It's the secure bridge between your bank and apps like Reallo, so we never see or store your bank login.
See how we keep your money safeSecurity you can check, not just trust.
Before launch we gave phew, an independent CREST ANZ-approved firm, our source code and live credentials, and asked them to break in. Every finding was fixed and re-tested.
Independently penetration tested by phew, a CREST ANZ-approved security firm.
- Grey-box test: full source code + credentials
- OWASP Top 10, Testing Guide v4
Your money stays yours. Be first when we launch.
A look inside the app
You choose where it goes. Reallo does the moving.
Your journey
Illustrative only. Not financial advice.
Here's what moved Wednesday.
Illustrative only. Not financial advice.
Your future builds itself.
In the example above, that adds up to
a year
About $101.70 in a steady week: what your cashflow could spare, the catch and round-ups, moved before you miss it.
Illustrative only. Not financial advice.
Why we built Reallo.
We're Oscar and Joe. We've each been investing for eight years, and the hardest part was never choosing investments. It was consistently moving the money. Every week there was a reason to put it off, so it didn't happen. We wanted something that would just move the money for us, every single week, without either of us having to think about it. So we built the tool we wanted for ourselves.
Oscar Salmond and Joe Kelsey · Founders
Questions, answered.
How does Reallo work?
You connect your bank through Akahu and set your pace, Chill, Steady or Eager. Every Wednesday Reallo works out what your cashflow can spare and moves it, along with the difference in any week you spend under your usual (the catch) and the change from every purchase as round-ups. It all lands in the savings, KiwiSaver or investment account you choose. If a week is tight, Reallo holds back the extras and still moves what your cashflow can spare. It only holds off entirely when even that would take you under your buffer. Nothing to keep up.
How much does Reallo move?
You never pick the amount, and that is the point. Reallo reads your cashflow and works out what you can spare each week. What you choose is the pace: Chill moves less, Steady is the middle, Eager moves more. On top of that the catch moves the difference in any week you spend under your usual, and round-ups move the change from each purchase. Change your pace or pause any time.
Does Reallo hold my money?
No. Reallo never holds your money. Every move goes straight from your bank to a destination set up in Reallo, and you can stop the whole thing in one tap. For cash that is one of your own connected accounts. For KiwiSaver and investing the payee is the provider's own account (Inland Revenue for KiwiSaver, the platform's deposit account for investing), and your IRD number or account reference tells them it is yours.
What does it cost?
We'll share pricing before launch, and waitlist members will hear first.
Which banks are supported?
Reallo works with New Zealand's major banks, including ANZ, ASB, BNZ, Kiwibank, Westpac, TSB, SBS and Heartland, powered by Akahu. ANZ, ASB, BNZ, Kiwibank and Westpac connect through NZ's official open banking APIs, and the others through Akahu's own secure integrations.
Where can the money go?
Savings for anything a couple of years away, investing for goals with three or more years of runway, or KiwiSaver, which the law locks until retirement or a first home, so Reallo won't route a holiday or car goal there. You can use one or split across them. You pick the destination; Reallo does the moving.
Spend normally. Reallo handles the rest.
No budgeting. No spreadsheets. Nothing to keep up.
Connected securely through Akahu open banking. You choose where every dollar goes, and Reallo never holds your money.