Value unlock
Trust earns more
Every tier is opt-in and reversible. What we see, what we can act on, and what you get in return — always explicit.
You
Tier
Guest
Anonymous, aggregated context from a single connected account. Useful from minute one.
What we can see
- Transaction categories
- Salary rhythm
- Upcoming debit orders
What you unlock
- Cash-flow warnings before the money runs out
- Duplicate subscription alerts
- Basic budgeting across categories
Retail media
How to reach it: Connect any South African bank in under 60 seconds.
Tier
Explorer
Full picture across your banks, plus Receipt Vault. We can advise with real evidence.
What we can see
- Line-item spend across accounts
- Merchant loyalty & rewards
- Warranties and product receipts
- Recurring commitments
What you unlock
- Price-drop refunds executed for you
- Warranty concierge on every purchase
- Smart switching: medical, insurance, connectivity
- Anniversary and life-moment anticipation
Partner commissionInsurance commissionRetail media
How to reach it: Verify identity, connect a second bank — or upload 5 receipts.
Tier
Primary
Anticipatory Bank is your day-to-day account. We can act — not just advise.
What we can see
- Everything above
- Salary deposit on our rails
- Card-present spend in real time
- Full receipt & warranty ledger
What you unlock
- Automated surplus sweeps into goal pockets
- Pre-approved credit at the point of need
- Concierge-executed bookings (travel, gifts, services)
- White-glove life-moment orchestration
- Priority remittance rails at wholesale FX
Payments & interchangePartner commissionEcosystem marginInsurance commissionRetail media
How to reach it: Move your primary income to Anticipatory Bank.
You are currently
Guest tier
Next up: Explorer — Verify identity, connect a second bank — or upload 5 receipts.