We only move the money you've already stopped spending.
A skipped takeaway. A forgotten subscription. A quieter weekend. Reallo catches the difference and moves it for you. You're never left short.
Works with every major NZ bank
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Wealth that happens to you.
Reallo is a New Zealand automatic-savings app. It watches your everyday spending, finds the money that naturally eases off, a skipped takeaway, a forgotten subscription, a quieter week, and moves it into your KiwiSaver, investments or savings. No budgets, no transfers, nothing to remember.
It finds money you won't miss
Reallo watches your spending and catches what naturally eases off: a quieter week, a takeaway you skipped, a subscription you forgot. Then it tells you exactly why. No budgets, no cutting back, just the slack you didn't know you had.
It never leaves you short
Reallo learns what your everyday spending needs and treats that as a line it never crosses. It only ever moves the slack sitting on top. On a tight week there's less slack, so it moves less or nothing, and the money you need for rent, petrol and groceries is never the money that moves.
Illustrative only.
Your future builds while you do nothing
Every dollar lands where you chose (cash, KiwiSaver, or investing) and quietly stacks up. You don't budget, you don't transfer, you don't decide each time. You just watch it add up.
Up and running in about two minutes.
Link your bank in under two minutes through Akahu, New Zealand's regulated open banking. Read-only, and we never see your login.
Reallo watches your spending, catches what naturally eases off, and moves it to where you chose. You do nothing.
Your money. Your data. Your control.
Reallo never holds your money and never makes investment choices for you. Every move goes to an account you've added yourself, and you can stop the whole thing in one tap.
Saving never sticks. So we removed the saving.
You've meant to save for years. It never stuck, because saving asks you to fight yourself every day, and present-you always wins. Reallo doesn't ask you to fight anything. We watch your spending, catch what eases off, and move it for you. No budgets. No transfers. No discipline required.
Questions, answered.
What is Reallo?
Reallo is a New Zealand automatic-savings app. It watches your everyday spending, finds the money that naturally eases off, a skipped takeaway, a forgotten subscription, a quieter week, and moves it into your KiwiSaver, investments or savings. No budgets, no transfers, nothing to remember.
How does Reallo find money to move?
Reallo analyses your recent spending and spots where it's quietly eased off, categories like eating out, shopping, subscriptions or coffee where you've naturally spent less. It treats the slack sitting on top of your everyday needs as money you won't miss, and shows you exactly why each dollar moved.
Will Reallo ever leave me short?
No. Reallo learns what your everyday spending needs (rent, groceries, power, petrol) and treats that as a line it never crosses. It only ever moves the slack on top. On a tight week there's less slack, so it moves less, or nothing.
Does Reallo hold my money?
No. Reallo never holds your money. Every move goes between your own accounts, to a destination you've added yourself, and you can stop the whole thing in one tap.
Is Reallo safe?
Reallo connects through Akahu, New Zealand's regulated open-banking provider, using a read-only link and bank-grade encryption. Reallo never sees your bank login and can't move money anywhere except accounts you've added yourself.
Which banks does Reallo work with?
Reallo works with every major New Zealand bank, ANZ, ASB, BNZ, Kiwibank, Westpac, TSB, SBS and Heartland, through official NZ open-banking APIs, powered by Akahu.
Does Reallo make investment decisions for me?
No. Reallo never makes investment choices. You pick where your money goes, KiwiSaver, investing or savings, and Reallo simply moves it there.
Is Reallo a budgeting app?
No. Reallo doesn't ask you to budget, set limits or cut back. You spend normally; Reallo catches what you've already stopped spending and moves it for you.
How do I set up Reallo?
Connect your bank in about two minutes through Akahu, choose where your money should go, and Reallo handles the rest. The connection is read-only, Reallo never sees your login.
Can I disconnect Reallo whenever I want?
Yes. You can disconnect your bank and stop Reallo at any time, in one tap.
Spend normally. Reallo handles the rest.
Your future builds quietly in the background.
Connected securely through Akahu. Reallo only ever moves money to accounts you've added yourself.