Setld is now on the App Store, free. Get the app
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Split bills.
Settle debts.
Move on.

Setld tracks every cent your mates owe, reads receipts with AI and settles the lot in one tap. No bank details, ever.

Download the app See how it works
No bank detailsReady in 60 secondsBuilt in South Africa
Accounts
Setld home screen showing a net position of R 252.50
Zero
bank details shared
60 sec
from download to first split
R 0
monthly fee, in beta
1 tap
to settle up

Everything you need to stay debt-free, and nothing you don’t.

Track debts instantly

Add a debt in two taps. Sarah owes you R 240 for the surfboard hire, and both of you can see it. No screenshots, no group-chat archaeology.

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Smart net settlement

You owe Thabo, Thabo owes Lerato, Lerato owes you. Setld cancels the loop and leaves one payment standing.

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AI receipt splitter

Photograph the bill. Setld itemises every line, assigns it to a face and totals per person, live, at the table.

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See all features

Up and running in 60 seconds flat.

01
Sign up with your number
No forms, no ID documents, no credit checks. Your phone number is your account.
Start
02
Add friends & debts
Pull in your contacts, log what’s owed, or drop a receipt into the scanner.
03
Settle with one tap
Top up your Setld wallet and clear the balance. The chase ends here.
Read the full walkthrough
Setld for venues

Run a restaurant, bar or coffee shop?

Your customers pay their share from their phones, in parallel, whenever they’re ready. You get the table back ten minutes sooner, and the numbers you never had. Works alongside the POS you already use.

Setld for venues
Stop chasing. Start settling.

Settled between peers.

Join the South Africans who’ve made awkward money conversations a thing of the past.

Download the app

No bank details · Works with any South African phone number