Introducing
InstaPay Gini

The FREE savings app that give you up to 6% interest!

InstaPay Gini is more than Just an App - it's your everyday financial companion designed to help you save, earn, and spend smarter.

With zero monthly fees and above-inflation interest of up to 6%* on your savings, you get rewarded simply for keeping your money safe. Plus, you’ll earn instant cashback from participating retailers, get exclusive merchant offers, and enjoy all the daily essentials like buying electricity, airtime and data - right from your phone.

* Terms and Conditions apply

Download the InstaPay Gini App

How Gini Works?

InstaPay Gini is described as a “wallet” for simplicity, but it’s actually an investment administration account managed by a licensed Category III Financial Services Provider. Your funds are securely held in your name in segregated nominee accounts with top South African banks.

Key Features — At a Glance

Digital Onboarding

Create your account in under 5 minutes!

FREE Application

Zero Monthly Fees.

High Interest

Interest up to 6% that BEATS inflation!

Simple Terms

Simple and transparent terms with no hidden fees.

What can you do with InstaPay Gini?

Save More, Worry Less

Traditional Savings

Offers lower interest rates and may not keep up with inflation

InstaPay Gini

Provides higher interest rates and real growth potential

InstaPay Gini offers interest rates designed to beat inflation, and pays you interest of up to 6%* on your positive balance, meaning your money grows in real terms.

Get Rewarded When You Spend

Get Instant Cashbacks from these participating retailers

Do More With Your Money

Airtime and Data

Purchase airtime and data from major networks.

Bill Payment

Pay electricity and municipal bills easily.

Gift Cards

Purchase gift cards and digital vouchers.

Money Transfer

Transfer money to friends and family.

Ready to Gini?

Download the InstaPay Gini App
Create your Account
Sign-up for Gini in under 3 minutes!
Set your Preferences
Choose your theme, set-up your quick actions, and personalise your account.
Start Saving and Transacting!s
Whether you want to save, make or receive payments, you are now ready to start doing just that!

Start Saving Now

We're here to support you every step of the way.
Still need more info?

If you have questions or need more information about how InstaPay can help your money grow, our team of experts is ready to assist you. Don't hesitate to contact us with your inquiries. We're here to provide you with all the details you need to put the best foot forward for your business!

See Our Frequently Asked Questions

Legal Note: While InstaPay Gini is described in marketing as a “wallet,” it is not a wallet in the regulatory sense, nor a transactional bank account. InstaPay Gini represents an investment administration account structure managed by a licensed Financial Services Provider (Category III) in terms of the Financial Advisory and Intermediary Services Act (FAIS). Customer funds are held under a nominee structure in segregated accounts with South Africa’s major banks. All instructions (deposit, transfer, redemption) are processed straight-through to the fund administrator via Omnea’s integration hub. Omnea itself does not hold customer funds, nor does any payer have a claim against Omnea; claims are always against the beneficiary institution. This structure provides customers with immediate access to their funds while ensuring full compliance with South African financial sector regulation.

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Introducing
InstaPay Gini