Where Piggy Banks Grow Up.^™

CubVest is a parent-guided financial-learning platform for South African families. Kids learn to earn, save, spend, give and invest with four wallets, missions, goals and bite-sized learning, while you set the boundaries from your parent dashboard. CubVest is a product of AdGawk (Pty) Ltd.

CubVest is designed for children aged 5–17. An age-based Growth Path adapts the learning to each stage of their financial understanding.

Only if you choose it. Starter is practice money only. Plus and Premium add parent-controlled real-money wallets, CubCard and Scan-to-Pay, and every real-money feature sits behind your parent controls and approvals.

Not for Starter, which uses practice money only. On Plus and Premium, parents fund their CubVest wallet through Paystack. We’ll confirm exactly what’s needed for real-money features before CubVest launches.

No. CubVest is a financial-learning platform, not a bank, and it doesn’t offer investment advice or real investment products. Real-money payments are processed by third-party payment providers: Paystack for wallet funding, subscriptions and withdrawals, and iKhokha for Scan-to-Pay.

Yes. Starter is free forever and runs entirely on practice money, so your Cub can learn with missions, goals, the four wallets, CubGuide and the Learning Library before real money enters the picture.

Starter supports one Cub. Plus and Premium are one family plan for up to four Cubs, all managed from one parent account.

Starter is the learning and practice plan: the Digital Chore Board, missions, goals, four practice-money wallets, the parent dashboard and controls, CubGuide, the Money Lab, the Learning Library, the Growth Path, achievements and XP, FutureScore and a manual allowance ledger. FutureScore is an in-app indicator of money habits, not a credit score. Starter doesn’t include any real-money features.

Everything in Starter, plus the real-money family experience: parent-controlled real-money wallets, wallet funding, transfers to your Cubs, real-money Spend, Save and Give, CubCard, Scan-to-Pay, recurring allowances, parent approvals and wallet controls, activity history and transaction notifications, for up to four Cubs.

Everything in Plus, plus deeper financial education: the Investment Playground with simulated money, lessons on risk, diversification and compound growth, advanced parent insights, financial literacy challenges and quizzes, deeper progress tracking and Priority Family Support, for up to four Cubs.

Scan-to-Pay is part of Plus and Premium. It lets your Cub pay supported merchants from their Spend wallet, within the controls and approvals you set. Scan-to-Pay is powered by iKhokha, a third-party payment provider. We’ll share the full details of how it works before launch.

The Investment Playground is part of Premium. Kids build and follow practice portfolios with simulated money, so they can see how risk, diversification and compound growth work without risking real rands.

No. Money in the Investment Playground is simulated. Simulated gains aren’t real money, aren’t real investment returns and can’t be withdrawn.

CubVest is designed around parental control and privacy. We aim to collect only the information needed to provide the service, and children’s information is processed with a parent or guardian’s consent. CubVest is designed to process personal information in accordance with applicable South African data-protection requirements, including POPIA. Read our Privacy Notice for details.

CubVest is built around parent control. Children use CubVest through a parent’s account, real-money features sit behind parent controls and approvals, giving to friends is limited to friends you approve, and the Investment Playground uses simulated money only. No platform can remove every risk, which is why CubVest keeps you involved.

Starter is free forever for one Cub. Plus is R59 a month and Premium is R99 a month, each as one family plan for up to four Cubs. These are launch prices.

You can cancel a paid subscription at any time. Cancelling stops future renewals, subject to the subscription terms in our Terms of Use. If you cancel within 14 days of a payment, you can also ask for a refund under our 14-day money-back guarantee.

You may request a refund within 14 calendar days of a paid subscription payment, subject to the final CubVest refund terms and applicable South African law. After the 14-day period, cancelling prevents future renewals, subject to the applicable subscription terms. The guarantee doesn’t replace any consumer rights you have by law.

CubVest is in final development and testing with early families. We’re deliberately taking the time to make sure the complete experience works properly before we open the doors. Join the waiting list and we’ll let you know when CubVest is ready.