MaliUP
MONEY GUIDANCE FOR REAL LIFE

Bills. Debt. Savings.What comes
first?

When your money has to cover so much, it can be hard to know your next move. We’re building MaliUP to help you understand your situation, explore your options, and take your next step — in plain language.

See an example

Your money. Your move.

A South African shop owner takes a moment to plan her expenses with a phone, notebook and receipts at her shop counter
A QUESTION FROM EVERYDAY LIFE

“My income changes every month.
How do I plan?”

Built for South Africa Your circumstances come first Guidance in plain language

WHEN YOUR MONEY HAS TO DO SO MUCH

You’re carrying a lot.
Your money questions matter.

Changing income. Repayments. People who count on you.
You deserve space to work through what comes next.

An everyday South African scene accompanying a question about changing income

My income changes every month. How do I plan?

Planning is harder when what comes in changes. Understanding your income across different months and the expenses you need to cover can help you see your situation more clearly.

MEET MALIUP

Start with your life.
Then your next move.

We’re building a financial companion for the decisions you face every day — with guidance shaped around your income, responsibilities and goals. Here’s how a conversation could begin.

  • Make sense of competing priorities
  • Explore choices and their trade-offs
  • Work towards a next step that fits your life
Try your money question
A young woman learning about money in a welcoming home setting

The bills. The people. The plans.
Your whole life belongs in the picture.

A conversation could start here INTERACTIVE PREVIEW
MaliUPYour money companion

Hey there
What money decision is on your mind?

My income changes every month. How do I plan?
Let’s start with the month you actually have.

Some months bring in more than others. Start with the costs that still need to be covered, including the people who depend on you. Your responsibilities belong in the picture too.

What expenses do you need to cover every month?

Example responses · General financial education

THE EXPERIENCE WE’RE BUILDING

From a real question to a next step.

Guidance that starts with your circumstances and leaves the decision with you.

A man learning about his finances from the comfort of his home
01

Understand

Start with your income, responsibilities and the decision in front of you. Make sense of the whole picture.

A young entrepreneur exploring options while managing her neighbourhood shop
02

Explore

Work through your options. Understand the costs, trade-offs and questions to ask before you decide.

A family at their kitchen table planning a meaningful future goal together
03

Move forward

Choose a manageable next step. Revisit your plan as your income, responsibilities and goals change.

A CLEAR STARTING POINT

Support, with you
in control.

Getting guidance should give you more understanding of your choices. Your decisions stay yours.

Start with a question.

Try the preview without connecting accounts or sharing bank logins. No ID number or account balance is needed to explore the examples.

Know what you’re seeing.

These conversations are prepared examples. Personal guidance, account connections and goal tracking are part of the experience we’re working towards.

Keep the final say.

Explore explanations and questions to ask. This preview doesn’t recommend a financial product or assess your individual finances.

SMALL GUIDES FOR REAL-LIFE QUESTIONS

Understand the things
behind your next decision.

OUR REASON FOR BEING

Financial guidance
shouldn’t be a privilege.

Everyone deserves a place to ask money questions, whatever their income, education or starting point.

We’re building MaliUP for everyday South Africans: people earning a salary, running a small business, supporting a household, or finding their feet. Your everyday decisions deserve attention.

Guidance that makes room for your life.
South Africans of different generations pursuing their goals in a warm, welcoming neighbourhood

YOUR NEXT CHAPTER

Your future is
yours to build.

You don’t have to work through every money question alone. Be part of the MaliUP we’re building.

Made for real life. Made for you.