How it works

Up and running in 60 seconds flat.

Three steps from downloading the app to clearing your first debt. No forms, no bank linking, nothing to photograph.

Sign up with your number.

No forms, no ID documents, no credit checks. Your phone number is your account and you are in under a minute. Nothing to photograph, no bank to link before you can see how it works.

Add your people, then the money.

Pull in your contacts and log what is owed, or drop a receipt into the scanner and let Setld do the itemising. Every debt you add shows up on the other person’s phone too, so there is one version of the truth.

Settle with one tap.

Top up your Setld wallet, clear the balance and the debt disappears from both sides. Money moves between Setld accounts instantly, which is why nobody needs to send an account number around a group chat.

Setld activity screen showing a settled payment

Questions people actually ask.

Do I have to give Setld my bank details?

No. You settle from a Setld wallet, and money moves between Setld accounts. Nobody in your group ever sees an account number.

How long does signing up take?

Under a minute. Your phone number is your account. There are no forms, no ID documents and no credit checks.

What if my friends are not on Setld yet?

You can still log the debt and keep track of it. They see it as soon as they join with the same number.

Does it work with any South African phone number?

Yes. Setld is built in South Africa, for South African numbers.

Can I split a bill by item instead of evenly?

Yes. Photograph the receipt and Setld itemises it. Tap an item to assign it to a person, or split the whole thing evenly if that is faster.

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