You set the pace. Reallo works out the rest.
Connect your bank, pick your pace and choose where the money goes. Reallo works out what your cashflow can spare and moves it every Wednesday.
Three steps to set it up
Connect your bank
Connect your NZ bank through Akahu, New Zealand's open banking platform. Works with ANZ, ASB, BNZ, Kiwibank, Westpac, TSB, SBS and Heartland.
You set the pace
Pick Chill, Steady or Eager. That is your appetite, not an amount. Reallo works out what you can spare that week, your pace scales it, and if a week is tight, it keeps the extras in your account and still moves what you can spare. It only holds off entirely when even that would take you under your buffer.
We move it where you chose
Every dollar Reallo moves goes to the destination you picked once: savings, KiwiSaver or investments. You don't transfer, you don't decide each time. It just happens.
Built to run on its own.
Connect once, set your pace, and Reallo moves what you can spare automatically, every Wednesday.
Live Bank Sync
Your money, live.
Connect your bank through Akahu's secure open banking connection. Encrypted, in your control, and refreshed through the day.
Forgotten subscriptions
Spot what you've stopped using.
Reallo surfaces the recurring charges you've forgotten, plus duplicates and overlaps. Cancel one and that's less going out, so there's more room for the catch to pick up.
Reallo moves it
You do nothing.
Every dollar Reallo moves goes to the destination you chose, automatically, every cycle. You never transfer, you never decide each time.
The engine
Three rules, one move.
What your cashflow can spare moves at the pace you set. The catch moves the difference whenever a week's spending is lighter than usual, up to twice what your cashflow can spare. Round-ups move the change from every purchase. All three land together on Wednesday.
One week
$101.70
- What you can spare$62Worked out from your cashflow, at your pace.
- The catch$32The difference in a week lighter than usual.
- Round-ups$7.70The change from every purchase.
The why
Money that moves with a reason.
Every dollar comes with the reason it moved, in plain English, alongside a running tally of this month and last. Money moving on its own never feels random.
A reason for every move
Moved Wednesday
Before that
- Wed 2 SepDrinks & Bars was quiet
- Wed 26 AugShopping came in under
- Wed 19 AugA lighter week overall
Every move, 12 months back.
Illustrative only. Not financial advice.
Read the whole thing in five minutes
Ready to let Reallo build your future?
Join the waitlist and we'll be in touch as soon as Reallo is open.
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