Stop chasing friends for money. Setld tracks who owes whom, splits receipts with AI, and settles up with a single tap. No bank details, no drama.
You've been there. The WhatsApp message you dread sending. The debt that's been sitting in your notes app for three weeks.
Built for the way South Africans actually spend money together.
Add a debt in seconds. Who owes whom, how much, and for what. Your full ledger with every friend, always up to date and accessible.
Thabo owes you R200, you owe Thabo R80? Setld automatically offsets cross-debts. You only transfer the net difference. One tap, done.
Photograph any receipt: restaurant, Woolies, wherever. Our AI reads it, identifies every item, and splits it between friends exactly as ordered.
Top up your Setld wallet and settle up with one tap. Money moves instantly between friends. No bank details, no EFT reference numbers, no delays.
No lengthy sign-up. No ID documents. Just your phone number and you're in.
Create your account with your phone number in under a minute. No lengthy forms, no credit checks, no bank linking required.
Invite friends via phone number. Log debts as they happen: at the braai, the restaurant, or anytime the question "who's paying?" comes up.
Setld calculates the exact net amount and pays it instantly from your wallet. No awkward conversations. No forgotten debts. Just settled.
Finally! No more awkward "did you send?" texts. Our friend group uses it every weekend and our braais have never been more stress-free.
The AI receipt splitter is a game changer. Went out for birthday dinner with 8 friends. Everyone got charged exactly what they ordered. First time ever.
Living with 3 flatmates. Setld has genuinely saved our friendship. We used to argue about money every month. Now it's just sorted automatically.
Add your friends, log your first debt, and settle up, all in under two minutes.
Stop chasing. Start settling.
Join South Africans who've made awkward money conversations a thing of the past.
Get started freeFree forever · No bank details · Works on any South African phone number