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Get rewarded for managing your money well with Vitality Money

As a shared-value bank, Discovery Bank is designed to share the value you create by managing your money well back with you through unprecedented interest rates and rewards.

We do this through Vitality Money. The better you do, the higher your Vitality Money status and the better your rewards.

The Vitality Money behaviours

When you join Discovery Bank, we'll help you review your financial health based on five key financial behaviours:

Having enough savings

Managing short-term debt

Having the right types of insurance

Being on track for retirement

Managing property investments

Your Vitality Money status

Your Vitality Money status is a measure of how well you perform in all five financial behaviours. It gives you a good idea of how well you're managing your finances.

Find out your Vitality Money status

Your Vitality Money status is also directly linked to the rewards you can earn. The higher your status, the better your rewards. That's why we show you the steps to improve your status and give you the tools to become financially stronger.

How to improve your Vitality Money status

Take control of your rewards by managing your money well

We believe that rewards are personal and that they need to match how well you manage your finances for the future. That's why you control your personalised shared-value stack of rewards. Manage your money better, improve your Vitality Money status, and get better rewards.

Here are the rewards you can earn with Discovery Bank and Vitality Money:

Dynamic lifestyle rewards

HealthyLiving rewards

Up to   75%

back on HealthyFood items at Pick n Pay or Woolworths

Up to   50%

back on HealthyCare items at Clicks or Dis-Chem
 

Rewards for getting active

Up to  75%
off your next fitness device, Nike performance footwear and apparel
Up to  100%
savings on gym memberships
 

Travel rewards

Up to   75%
off local flights
Up to  75%
off an international flight with British Airways, Emirates and Qantas
Up to   20%
back in Discovery Miles on your fuel spend and Uber rides

Behavioural rewards

Vitality Money members can earn up to 1 Discovery Mile for every Vitality fitness point or Vitality Drive point that they earn. Every week, you can get up to 100% of your fitness or driving points back in Discovery Miles!
 

Discovery Miles

Discovery Miles is our rewards currency that you can earn for getting healthier, driving well and spending responsibly. Spend your Discovery Miles just about anywhere. Plus, get up to 20% off at our Discovery Miles partners, and on prepaid products and services in the Discovery Bank app. And on Miles -Day, we double your Discovery Miles discount so you can save between 10% and 40% at in-store and online retail partners, for 24 hours on the 15th of every month.
 

Take control of your money with the Vitality Money Financial Analyser

Our Vitality Money Financial Analyser can help you improve your spending. Through advanced analytics, we can create budgets for you based on your spend trends or you can create your own. You can also set spend alerts and see when you're overspending. Plus, you get rewarded for managing your money well.

More on Vitality Money Financial Analyser
 

Dynamic Interest Rates

Wouldn't it be great if your bank gave you better interest rates when you manage your money well?

Discovery Bank does just that! Now, for the first time, you're in control with Dynamic Interest Rates. Improve your Vitality Money status and you can improve your interest rates to save more and pay less.

Up to 3.5% interest on your positive balances in your everyday accounts.

Up to 4.25% interest on demand savings accounts.

Up to 6% less on your optional single credit facility.

Why Vitality Money?

Discovery has done the research, and it boils down to this:

We as individuals and as a nation need to change how we manage our money. Reducing our levels of debt and creating a savings culture in South Africa are major socioeconomic challenges we all face.

Despite the complexity of these challenges, the good news is that each one of us can address them by making simple behaviour changes. This is why we created the Vitality Money programme.

 
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