Where Piggy Banks Grow Up
Teaching children real money skills through hands-on digital experience.
What is CubVest?
CubVest is a money learning wallet for children aged 5 to 17. Parents set up the account, send pocket money, approve spending and follow progress, while children learn to Spend, Save, Invest and Give — in their own words, at their own pace.
How It Works
1. A parent or guardian creates an account 2. Add each child's profile with a username and PIN 3. Send pocket money into their wallets 4. Children log in and manage their four wallets 5. Parents approve purchases, assign missions and follow progress
Choose What Your Money Does
Every child has four wallets, and chooses what each part of their money does: • 💸 Spend — money for things I need or want now • 🏦 Save — money I keep for a goal or something I may need later • 📈 Invest — money I learn to grow over time, understanding risk and patience • 💝 Give — money I choose to share to help someone or support a cause
Practice Money First
The free Starter plan is a complete practice experience. Children learn the whole journey — earning, saving toward a goal, allocating across wallets and watching a simulated investment grow — without any real money involved. Practice balances are clearly labelled as practice and are kept separate from any real-money records.
Parent Controls
Parents and guardians stay in control: • Set spending limits • Approve or decline purchase requests • Assign missions and chores with rewards • Set up allowances on a schedule • See every transaction in one place • Reset a child's PIN at any time
CubGuide
CubGuide is the in-app learning companion. It answers money questions in language suited to the child's age, and it works in three different ways: • Ask — a direct, age-appropriate answer • Teach Me — a step-by-step explanation, an example and a quick check • Help Me Think — guided questions that help the child reach their own decision CubGuide explains and encourages. It can never move money, change limits or make decisions for a child.
Money Lab
The Learning Library holds short money lessons to read. The Money Lab is different — it holds hands-on experiments where children make a decision and see what happens. Everything in the Money Lab is practice: it never touches a child's real wallet.
The Investment Playground
A simulated investing space where children learn how markets move, what risk means and why patience matters. It is a simulation: the portfolios are fictional, the price movements are generated by CubVest, and no real shares, metals or funds are ever bought. Simulated gains are learning material, not real returns.
FutureScore and Growth Path
FutureScore reflects how a child is building money habits — completing lessons, saving consistently, finishing missions and making thoughtful decisions. It is never based on how much money a child has. The Growth Path shows the stage they have reached and what comes next as they grow up.
Plans
• Starter — free — 1 child, the full practice experience • Plus — R59 per month — up to 4 children, missions, goals, approvals and family tools • Premium — R99 per month — adds the simulated Investment Playground and advanced reports Paid plans are billed monthly and can be changed at any time.
Coming as CubVest Grows
CubScan and CubCard are designed to let a child pay in shops with parent-set limits. They are built, but they depend on real-money payment approvals that are not yet in place, so they are not switched on for families today. We will only enable real-money features once the payment provider, safeguarding and verification requirements are fully met — and we will tell you before anything changes.
Growing Up at 18
CubVest is built for children aged 5 to 17. A young person's profile remains a child profile until they turn 18. At 18 the child account is not automatically moved anywhere, because a separate adult service does not exist yet. We are designing a graduation experience that celebrates what they have learned, explains clearly what changes and preserves their history. Until that is built, families can close a profile at any time and CubVest will explain exactly what happens to the records.
Privacy and Safety
A child's money data belongs to their family. Children only ever see their own wallets and activity; each adult sees only the families they belong to. Nothing is shared with other families. CubGuide never asks for passwords or personal details, and never encourages a child to hide anything from a parent or guardian.
CubVest is a financial learning product. It is not a bank, and it does not provide financial advice. Practice balances and simulated investments are educational only.