For Community Savings
Your Stokvel Isn’t Changing. It’s Just Getting Easier to Run.
Keep the spirit of your circle, but lose the stress. Zeturi helps you track who paid, whose turn it is, and how much is in the pot.
Why “The Book” isn’t Enough
Paper records get lost. WhatsApp messages get deleted. You need a permanent record.
Treasurer’s book gets lost — months of records gone.
Arguments about who paid what in January.
No one agrees on whose turn it is.
Every payment is recorded in a shared ledger with a clear audit trail.
Every member can verify their own history at any time.
Rotation queue is visible to everyone — no disputes.
Zeturi vs the Book and the Group Chat
The same job, done in a way that every member can check and no one can lose.
What You Actually Get
The features that solve the arguments before they start.
Transparent Pot
Stop the “Trust Me” conversations. Every member can log in and see the total balance, full transaction history, and exactly whose turn is next. One record. One source of truth.
Visible Rotations
Running a ROSCA? The system tracks the queue. Everyone knows whose turn is next and exactly how much they will receive.
Clear Exit Records
When a member leaves, see exactly what they contributed and what they have already received. No disputes about who is owed what.
Member Loans
Offer emergency loans to members with guarantor tracking and repayment schedules. Set interest rates and manage collections inside the same ledger.
Governance Decisions
Vote on rule changes, expense approvals, and member actions. Every decision is recorded with who voted and when.
Also Included
Member Statements
Every member can download a statement of their contributions and payouts — no screenshots, no disputes.
Who’s Paid This Month
See at a glance who has paid and who is behind, so the treasurer can follow up early.
Audit Trail
Every contribution, payout, and change is logged and can’t be quietly edited away.
SMS Notifications
Members get an SMS when their payment is recorded, so everyone stays in the loop.
How to Move Online
Create
The Chairperson sets up the circle and chooses the rules — Rotation or Savings.
Invite
Send a link to your members. They join and see the dashboard instantly.
Record
When money comes in, the Treasurer records it. Members get an SMS confirmation.
Rotate
When it’s payout time, the system highlights who is next in line.
Need a Constitution for the Bank?
Generate a free, bank-ready PDF for your stokvel. You’ll need it to open a group account.
How Much Will Each Member Get?
Use our free calculator to work out payouts, rotation schedules, and savings totals.
Stokvel Questions, Answered
What is a stokvel?
A stokvel is a South African savings club where members contribute a fixed amount regularly. In a rotation stokvel the pot is paid to each member in turn; in a savings stokvel it builds up and is shared at the end of a cycle.
Does Zeturi hold our stokvel's money?
No. Zeturi is a bookkeeper, not a bank. Your stokvel keeps its own bank account and pays members directly. Zeturi records and reconciles every contribution and payout so the whole group works from one shared record.
How much does it cost to run a stokvel on Zeturi?
Setting up is free. Stokvels run on the Basic plan from R 149 per month per scheme, paid from the group's pot rather than by each member. You can try the free stokvel calculator and constitution generator first.
Bring Your Stokvel Online
Start with your current rules. Your members see the same record you do.
Free to set up · No credit card · Start with your current rules
Most stokvels run on the Basic plan from R 149 per month — view pricing