How it works

• Kivvo is a goal-based savings app. You set goals, contribute toward them, and follow your progress.
• You can set a weekly, fortnightly, or monthly contribution schedule — whatever fits your budget.
• Kivvo doesn't move or hold your money. Funds are handled by our payment provider, Stripe. Kivvo never takes custody of your funds.
• Cashback is currently limited to Kivvo+ members who also meet a minimum contribution threshold and maintain a 6.5-week streak. It is not available to all users yet.
• Kivvo is not a bank, not a wallet, and not an investment platform. See our Financial Services Disclosures for detail.

Decide what you want to save for. A trip, a laptop, a deposit, a gift, a buffer — anything that matters to you.

Give it a name, set a target amount, and (optionally) a target date. You can always edit these later.

Choose a contribution amount and schedule that fits your budget. You can contribute:

• Weekly — minimum $50 per week
• Fortnightly (bi-weekly) — minimum $100 every two weeks
• Monthly — minimum $200 per month
• One-off — $10 per day, whenever you want to add extra

You can adjust your plan as life changes.

Kivvo initiates contributions through our payment provider, Stripe. Funds flow from your linked payment method toward your goal.

Kivvo doesn't hold your money. Funds are handled by Stripe under their terms. Kivvo never takes custody of your funds.

A contribution fee applies to each contribution. The exact amount is shown before you confirm a payment.

See how much you've saved and how far you are from your goal. Kivvo shows:

• Amount saved vs. target
• Percentage complete
• Contribution history
• Estimated completion pace
• Any streak progress

Cashback is a reward for consistent saving. It is currently limited to Kivvo+ members who also meet a minimum contribution threshold and maintain a 6.5-week contribution streak.

Cashback is credited to your Kivvo account at the end of a payout period, subject to eligibility. It is not available to all users yet.

See our Payouts Policy for full details.

• A goal-based savings app
• A tool for planning contributions and tracking progress
• A service that helps you stay consistent with your saving

• A bank, wallet, or deposit-taking institution
• An investment platform
• A financial adviser
• A service that holds your money

Funds are handled by our payment processor (Stripe), not held by Kivvo. Your balance does not earn interest. Our tools are not financial advice.

For more detail, see our Financial Services Disclosures.

Choose something meaningful, name it, and set an optional target amount and date. See Savings Goals for the walkthrough.

Plan a weekly, fortnightly, or monthly contribution that works for your budget. You can change your plan at any time — the new schedule applies from the next contribution.

Kivvo records contributions and shows your progress, history, streaks, and estimated completion pace in one place.

When you reach your goal, you decide what happens next. Kivvo doesn't purchase or ship items for you. What you do with the money once you've saved it is up to you.

Cashback is currently limited to Kivvo+ members who meet a minimum monthly contribution threshold and maintain a 6.5-week contribution streak. It is not available to all users yet. Payout amounts, timing, and eligibility may change before general release.

See our Payouts Policy for how cashback works, and use the Payouts Calculator to explore what a payout could look like.

Fees are shown before you confirm a payment. Kivvo's current contribution fee is:

• $2.00 flat fee per contribution, plus
• 8% of the contribution amount, capped at $15.00

Kivvo does not charge interest on balances. See our Fees & Charges for full details.

Kivvo is not a bank and does not provide financial advice.

• Payment and card details are handled by our payment provider. Kivvo does not display or store your full card details.
• Bank payments use Stripe BECS Direct Debit, when that setup is available.
• Kivvo does not take custody of your funds. Funds are held and moved by Stripe under their terms.

For more detail, see our Security, Trust & Safety, and Bank Payments & Cards pages.

The current Kivvo experience includes:

• Savings goals
• Contribution records
• Progress views and analytics
• Account tools
• Support via tickets

Cashback payouts are currently limited to Kivvo+ members who meet the eligibility criteria. Additional integrations may be planned or in development.

Yes. Kivvo Free lets you create up to 5 savings goals and track contributions. Kivvo+ is an optional paid plan with more goals and extra tools. Cashback is currently limited to eligible Kivvo+ members.

Payment funds are handled by Stripe. Kivvo does not directly hold or control those funds. See our Terms of Service and Financial Services Disclosures for the full details.

$2.00 flat fee per contribution, plus 8% of the contribution amount, capped at $15.00. The exact amount is shown before you confirm a payment.

Withdrawals return funds to the original payment method, subject to the applicable terms of your account. See our Payouts Policy for more detail.

Cashback is a reward for consistent saving. It's currently limited to Kivvo+ members who meet the minimum contribution threshold and maintain the 6.5-week contribution streak. See our Payouts Policy.

Yes. You can adjust a goal's contribution amount and schedule at any time. Kivvo+ billing plans can be managed through your account.

Anything you want. A trip, a purchase, a deposit, a gift — you set the goal and the target.

Set your first goal and see how a little progress adds up.

Start your first goal →

For more information, see:

• Savings Goals — how to create and manage goals
• Contribution Terms — how contributions work
• Fees & Charges — what Kivvo charges for
• Payouts Policy — how cashback works
• Kivvo+ Membership Terms — the terms of the Kivvo+ subscription
• Financial Services Disclosures — Kivvo's regulatory position
• Security — how Kivvo approaches security

If you have a question that isn't answered here, please submit a support ticket via the Support page. We don't use email for support.

This page was last reviewed on 5 October 2026.