How Reallo actually works.
Reallo is a New Zealand automatic-savings app. No budgets, no transfers, no willpower. Here's the whole idea, and honest answers to the questions everyone asks.
The whole idea
Connect
Reallo connects to your bank through Akahu and reads your everyday cashflow, securely and without ever seeing your login.
Work out
Reallo works out what your cashflow can genuinely spare this cycle, once your essentials are covered, keeping a buffer it never crosses.
Move
Every dollar Reallo moves goes to the destination you chose: cash, KiwiSaver, or investing. You do nothing.
Honest answers
Yes. You connect through Akahu, New Zealand's open banking platform. Reallo can see your transactions and move money to a destination you set up yourself, but it never sees your login, never holds your money, and you can disconnect any time.
It won't. Reallo learns what your everyday spending needs and never moves money below that line. It only ever moves the slack sitting on top, so you're never left short.
No, that's the whole point. You spend normally. Reallo works out what your cashflow can spare and moves that. No budgets, no cutting back, no willpower.
Wherever you choose: cash, KiwiSaver, investing, or a split. You pick the destination once, and every dollar Reallo moves lands there.
Only what your cashflow can spare, scaled by a keenness dial you control. Some months that's a lot, some months barely anything. It's worked out from your cashflow, never a number you have to commit to.
We'll share pricing before launch, and waitlist members will hear first.
We're launching in New Zealand in 2026. Join the waitlist and you'll be among the first in.
Ready to let Reallo do the work?
Join the waitlist and we'll be in touch as soon as Reallo is open.
Join the waitlistBank-grade encryption · Never holds your money · NZ owned and operated