Building wealth happens to you, not by you.
Reallo works out what your cashflow can spare, moves it automatically, and never leaves you short.
Illustrative only. Not financial advice.
Works with New Zealand's major banks
Connected through Akahu, New Zealand's open banking network.
Wealth that happens to you.
Investing intentions rarely fail because of the investments. They fail earlier.
Most people don't know how much they can safely invest.
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.
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 it eases off.
Just waiting for everything to settle, your move lands Tuesday night.
This week so far, you're $32 under your usual. That's what moves Tuesday.
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 runs straight from your bank to a destination you set up yourself, and never into ours. You can 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 safeYour money stays yours. Be first when we launch.
A look inside
You choose where it goes. Reallo does the moving.
YOUR JOURNEYYour future builds while you do nothing.
What Reallo could move toward your future in three years
A little every week, landing where you chose, quietly stacking up.
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 worked out what we could afford and did the moving for us, automatically. So we built the tool we wanted for ourselves.
Oscar Salmond and Joe Kelsey · Founders
Questions, answered.
How does Reallo work?
Reallo connects to your bank, works out what your cashflow can spare without leaving you short, and moves that amount into your KiwiSaver, investments or savings, automatically. Every move shows you where it came from. No budgets, no transfers, nothing to remember.
Can I stop anytime?
Yes. You can pause Reallo or disconnect your bank at any time, in one tap. You stay in control of every account.
Does Reallo hold my money?
No. Reallo never holds your money. Every move runs straight from your bank to a destination you set up yourself, and you can stop the whole thing in one tap.
How does it decide how much to move?
Reallo looks at your cashflow and works out what you can genuinely spare each cycle, once your everyday essentials are covered. It keeps a safety buffer it never crosses, and only ever moves what's free above it. You never choose an amount or do the maths.
What happens during expensive months?
Reallo moves less. On a tight week it moves a little, and on a very tight one it pauses entirely. It only ever moves what's free above your everyday needs, so a costly month never leaves you short.
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 connect through Akahu's own secure integrations.
Where can the money go?
You choose the destination: savings for short-term goals, KiwiSaver for retirement and first-home goals, or investing for long-term wealth. Reallo simply does the moving.
Spend normally. Reallo handles the rest.
No budgeting. No transfers. No setup.
Connected securely through Akahu open banking. You choose where every dollar goes, and Reallo never holds your money.