What you get for R100/month
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Instant access to all products
Emergency Savings Funds, Tax-Free Savings Accounts, and Investment Accounts with curated, top-performing local and global funds.
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Organise money by purpose
Set up separate accounts for retirement, house deposits, education, holidays - whatever you're working toward. Each gets its own space with a dedicated strategy and tracking.
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Invest on autopilot
Tell Fynbos how much to invest and where. Set it once, and contributions happen automatically. Consistent investing without thinking about it.
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Cover your whole family
Create unlimited investment accounts for yourself and your kids, all managed from a single dashboard. One fee covers everyone.
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Cancel anytime, hassle-free
One click to cancel, no questions asked, no penalties. We want you to stay because Fynbos works for you, not because you're stuck.
Protea costs R 100/month
R 0 - Under 18
100% off - completely free until their 18th birthday. Give your kids a head start.
R 50 - Under 30
50% off - half price until your 30th birthday. Build the habit early.
R 1000 /year
~R83/month, billed annually
Protea for employers
Sponsor your team's financial wellness. Employees get full Protea access at no personal cost. Billed post-paid per active member.
Why flat fees change everything
Most investment platforms charge a fee based on the amount you invest, known as an AUM fee (Assets Under Management). These fees seem small, but they compound against you, quietly eroding hundreds of thousands in potential wealth.
Here's what that actually costs you:
Scenario: R 500 000 portfolio starting value, R 5 000 monthly contributions, growing at 10% annually over 20 years
Fynbos Protea
Monthly/Annual Fee
R 100/month (or R 1 200/year)
Total platform cost
R 27 263.73
Final Portfolio Value
R 3 392 787.96
Traditional Platform
Monthly/Annual Fee
1% of portfolio value
Total platform cost
R 779 645.32
Final Portfolio Value
R 2 640 406.37
You keep R 752 381.59 more with Fynbos.
Not ready to subscribe? Start free
Emergency savings
A high-yield savings account backed by the Allan Gray Money Market Fund. Currently earning 7.57% per year.
Tax-free investing
A TFSA with your choice of one of five curated funds, for maximum growth over a long period of time.
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Never forget to invest
Create automation rules that split your contributions across accounts automatically. Set it once, invest consistently forever.
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Track your progress
Personalised target setting and recurring contributions based on your financial situation.
Every fee, explained
We believe in absolute transparency. Here's every cost you'll encounter investing with Fynbos.
Your Fynbos subscription
R 100/month - Covers platform access, all features, unlimited accounts for you and your family.
R 0/month - When you start with our free option.
Brokerage fees
We charge zero markup.
You only pay the underlying statutory costs - exchange fees, settlement charges, STRATE fees.
By batching trades daily, we share these costs across users keeping your fee to around 0.08% per transaction - among the lowest in South Africa.
Fund management fees
All funds charge their own annual fees - typically 0.10% - 0.40%.
These are set by the fund managers, not Fynbos, and are deducted directly from your fund, so you won't see them as line items on your statement.
You can view each fund's fees on the funds fact sheet.
Retirement annuity withdrawal fees
RA withdrawals include provider and regulatory fees. These are charged by the investment provider - not Fynbos fees.
Processing fee: R350
Tax directive fee: R28.75
We charge zero markup - you pay the exact costs only.
That's it. No hidden fees. No surprises.