We watch. We catch. We move.
Reallo is a New Zealand automatic-savings app. Here is exactly how it works: it connects to your bank, watches your everyday spending, and moves the money that naturally eases off to wherever you chose.
Connect your bank
Connect your NZ bank in under 90 seconds through Akahu, the regulated open banking platform. Read-only access, and your credentials never touch our servers.
We catch what eases off
Reallo watches each category against its usual level. When something naturally drops, a quieter week, a takeaway you skipped, a sub you forgot, that is money you won't miss, and Reallo catches it. No budgets, no cutting back.
We move it where you chose
Every dollar Reallo catches goes to the destination you picked once: cash, KiwiSaver, or investing. You don't transfer, you don't decide each time. It just happens.
Six tools. One flow.
Each one plays a part in the watch, catch, move flow. Together they turn the money you stop spending into your future.
Live Bank Sync
Your money, live.
Connect any major NZ bank in 90 seconds through Akahu's regulated open banking. Read-only and encrypted, always up to date.
Spending watch
It notices what eases off.
Reallo watches each category against its recent baseline. When your spending naturally drops, Reallo spots the dip. That dip is the money it catches.
Forgotten subscriptions
The ones you don't miss.
Reallo surfaces the recurring charges you've forgotten, plus duplicates and overlaps. Whatever you stop paying for, Reallo catches and moves.
Never left short
Your essentials stay put.
Reallo learns what your everyday spending needs and never moves money below that line. Only the slack on top ever moves, so you stay comfortable every week.
Reallo moves it
You do nothing.
Every dollar Reallo catches goes to the destination you chose, automatically, every cycle. You never transfer, you never decide each time.
A reason for every move
Always a clear why.
Every dollar comes with the reason Reallo found it. Plus a running tally, this month and last, so you can feel the pace.
It catches the money you won't miss.
Reallo learns each spending category's usual level. When something naturally drops, a quieter week, a takeaway you skipped, a sub you forgot, that dip is money you won't miss, and Reallo catches it. No budgets, no cutting back.
You're never left short.
Reallo learns what your everyday spending needs and treats that as a line it never crosses. Only the slack on top ever moves. On a tight week there's less slack, so Reallo moves less or nothing, and the money you need for the essentials is never the money that moves.
Illustrative only.
Money that moves with a reason.
Every dollar comes with the reason Reallo found it, because takeaways eased off, because a quieter week, plus a running tally of this month and last. Money moving on its own never feels random.
Ready to see what Reallo would catch for you?
Join the waitlist and we'll be in touch as soon as Reallo is open.
Join the waitlistBank-grade encryption · Read-only access · NZ owned and operated