Investment & Savings Apps

EasyEquities is South Africa's most popular micro-investment platform. Not a side hustle in the traditional sense — you invest money rather than earn it from tasks. But with fractional shares starting from R1 and a R50 referral bonus per friend you sign up, it's a legitimate way to grow your money. Included here because many SA students use the referral program as a beermoney source.

Franc is a South African investment app that lets you put money into unit trusts and money market funds from as little as R10. It is FSCA-regulated (FSP No. 49998) and charges a transparent 1% annual platform fee on top of the underlying fund's cost. The app is designed for people who find traditional investment accounts intimidating — you pick a goal, choose a risk level, and Franc builds a fund strategy. Returns depend on your fund choice: money market accounts currently yield roughly 7-8% per year, while equity-heavy portfolios track the JSE/S&P 500 for higher long-term growth.