Behavioural Banking

Check out our collection of lifestyle articles that will explain exactly what behavioural banking is and how Discovery Bank uses Vitality Money and other innovative tools and benefits to guide and motivate you to improve your financial health... and the range of rewards you can earn for managing your money better.

Find a financial ally in our flexible credit options

We don't know what financial goals you may have this New Year, but we do know our easily accessible, flexible credit options could help get you there faster! In 2024, explore the potential of Discovery Bank's credit offerings, where simplicity meets financial freedom.

Safer and simpler - more banking features you'll love

Discovery Bank offers MORE than just banking. We prioritise your safety with robust app features, including the power of virtual cards, Live Assist for personalised support 24/7/365, and many other convenient tools. Managing your finances better starts with a tap in your app!

Tap into MORE TRAVEL REWARDS in 2024

If "not travelling more" is a 2023 regret, then January's the month to make "travel more" your 2024 ambition! Turn regret into reward with Vitality Travel, which makes your travel goals simpler to achieve, easier to afford, and more memorable than ever.

Tap into more with Discovery Bank's Simple and Convenient Payment Solutions

Real life can be messy, but your banking shouldn't be! From real-time payments starting at just R1 to seamless global transactions and effortless everyday payments - discover how your Discovery Bank app makes simple and convenient banking a happy reality.

More Discovery portfolio features - all from in your banking app

Want easy access to info on all your Discovery products? You can now link directly to the new Discovery Health app for a host of on-demand features, and to the Discovery app for detailed life insurance info

More digital banking features to help you go paperless in 2024

You can now download three months' worth of certified bank statements as a single attachment for one or multiple banking products. Learn how to access this feature and more in your app to sail into 2024 without a flutter of paperwork in your wake!

Tap into MORE DISCOUNTS with Discovery Bank

If there's one month you inevitably wish you had more savings for, it's January. But fear not - here are FOUR ways to get MORE discounts, not just this month but for the rest of the year!

5 banking features to get you more money

Finances feeling a little tight this month? Discovery Bank's smart solutions can help you boost your savings, take control of your interest rates, and revolutionise your budgeting. Here are five innovative features to bump you closer to earning and saving more money this year.

5 ways to safeguard your finances with the Discovery Bank app

Whether you're homebound or exploring new destinations this holiday season, safeguarding your finances, data, and personal information has never been easier. In five simple steps, you can fortify your financial security using the powerful tools within your Discovery Bank app.

Low on –iscovery Miles? 8 ways to earn more

Your –iscovery Miles are already more valuable than cash, and if you plan to use all yours up by Black Friday, here are eight handy ideas to top up your –iscovery Miles tank!

Shop without stress by staying on top of your spending

Worried Black Friday mania might have you overspending this month? We have your back! Use your personalised and super-helpful banking and budgeting tools to plan well, manage your expenses, meet your financial goals, and enjoy Black Friday responsibly.

Tap, type, call or come visit - whatever the case, we're here to help

This year's Orange Index ranked our service best on both human and digital channels. And we have a lot of each! No matter where you are, what support you need and how you prefer to engage - we have an option to suit your needs.

Do your banking from literally anywhere in your Discovery Bank app

Physical banking is so 2019. You can manage everything about your banking - and then some - with your Discovery Bank app. Plus, it's safe, secure, convenient and available 24/7/365. Let's get you started.

Stay informed with Discovery Bank's smart app notifications

Want to stay on top of your finances? Our banking app's smart notifications feature keeps you updated on all activity on your account, offering even more levels of security, convenience and control. Here's how to make the most of smart notifications.

Invest in shares straight from your banking app, powered by EasyEquities

Want to trade and invest in shares and build your wealth? Share trading with EasyEquities is available to you through your Discovery Bank app. In just a few taps, you can open, trade, invest. Easy!

A banking app that makes saving systematic and simple

Discovery Bank is all for healthier financial habits. That's why we make opening a savings account so easy on your banking app. Add as many savings accounts as you need - one for each of your goals, even - and enjoy competitive interest rates with zero monthly fees.

Make virtual cards your new reality

Find yourself rummaging through your wallet every time you need your bank card? Tap your way to the future with a Discovery Bank virtual card and get everything your physical card offers - instantly in your app. Plus, it's safer, faster and FREE! Learn more here.

The app that loves rewarding you AND your friends

Discovery Bank loves rewarding you for managing your money well. And we love giving you more ways to earn and share rewards. That's why Friend Referral Rewards is one of the most popular app features in Discovery Bank's super-app.

Smart budgeting solutions straight from your banking app

Like many good habits, budgeting well is a practice that's easier said than done. We all want to, but let's face it - tracking expenses is complex, and a hassle! Luckily for our clients, Discovery Bank's super-smart app does all the heavy lifting - so you don't have to.

Get personalised service 24/7 with Live Assist in your Discovery Bank app

Another reason why clients like you rate the Discovery Bank app best in class? It's a bank branch in the palm of your hand, complete with a human banking expert!

Pay anyone instantly from as little as R1 in your Discovery Bank app!

You can now make real-time payments to anyone, anywhere, anytime starting from as little as R1. Plus, your Discovery Bank app is so smart, it selects the most convenient and affordable instant payment option on your behalf.

Love shopping? Get up to 30% off in store with your Discovery Miles!

Imagine getting rewarded for your healthy behaviour... and then getting a huge discount when you spend your reward at the widest range of retail partners. That's what makes Discovery Miles more valuable than cash!

Need foreign currency? Get it right there in your banking app!

With Discovery Bank's Real-Time Forex Accounts, you can buy Dollars, Euros and Pounds at some of the best rates. Available 24/7 in your banking app.

The easiest and most rewarding way to book flights

You're right! We're talking about Vitality Travel in your banking app! Just another way we're creating the super banking app of the future. Now.

The most affordable way to get prepaid

Why do Discovery Bank clients love their banking app? Because it's the most affordable way to get prepaid products and services! Just another way we're creating the super banking app of the future. Now.

Pay the easy way with Discovery Bank. Every day.

Have you heard? You can now make real-time payments to anyone, anywhere, anytime from as little as R1. Plus, your banking app is so smart, it chooses the most convenient and affordable payment option for you on demand!

Take to the skies with Vitality Travel and Discovery Miles

Save your cash and pay for your Vitality Travel booking with your Discovery Miles. Plus, get amazing discounts and deals on your travel bookings on the Vitality Travel platform.

Six simple ways to earn Discovery Miles and keep the rewards coming!

With Discovery Bank, earning Discovery Miles is as easy as spending them. Here are our top six easy ways to earn more Discovery Miles... starting today.

Where to next? Get there for less with Discovery Bank

With Discovery Bank, earning Discovery Miles is as easy as spending them. Here are our top six easy ways to earn more Discovery Miles... starting today.

Make your baby healthy and happy at half the cost!

Taking care of your little one shouldn't break the bank. Get up to 50% back in Discovery Miles on essentials for baby with Discovery Bank and Vitality.

English cucumbers at a quarter of the price? Yes, please!

With up to 75% back in Discovery Miles on your healthy food purchases at Pick n Pay or Woolworths... eating healthily has never been more affordable or more rewarding.

Want to get a month (or more) of free electricity every year?

If your answer is 'Yes', keep reading to find out how you can buy prepaid products and services in your Discovery Bank app and get amazing discounts with your Discovery Miles.

Want amazing discounts on your much-needed winter retail therapy?

Give your winter shopping a massive boost when you spend your Discovery Miles at over 40 online and in-store retail partners. Plus, double your discount on Miles –-Day on the 15th of every month.

How to use your Discovery Miles Account in your banking app (it's so easy!)

Reason #5,672,985 why we love our Discovery Bank app? You can use it to earn, shop and save with your Discovery Miles... all in one place. Plus, view your transactions, increase your discount, send them to a friend, or turn them into cash. It's that easy.

Get our Real-Time Forex Account... ForExploring. ForExcitement. ForExperience.

Are you saying bonjour Paris, how you doin' New York or London baby! this April holiday season? You must get the only Real-Time Forex Accounts for your trip... available 24/7 in your Discovery Bank app.

Do your banking from literally anywhere in your Discovery Bank app

Physical banking is so 2019. You can manage everything about your banking - and then some - with your Discovery Bank app. Plus, it's safe, secure, convenient and available 24/7/365. Let's get you started.

A budget in your banking app? Yes, please!

Taking control of your money is now easier than ever. The Vitality Money Financial Analyser is a useful budgeting tool that shows you how much you earn, spend and save. Here's how to make the most of it.

It's official! You can now book flights in your banking app

As if you needed more reasons to love Vitality Travel - with its amazing discounts and convenient all-in-one booking platform - prepare to fall in love even more now that you can literally book flights whenever, wherever in the Discovery Bank app.

Live local or go global? Win adventures with Discovery Bank

You and a partner can stand a chance to win trips galore in Discovery Bank's latest competitions. Explore the breath-taking landscapes of South Africa with free local flights for a year or score a chance to say #IWasThere at iconic football matches in the UK in May.

If you love double discounts, Discovery Bank loves you

Your Discovery Miles are already more valuable than cash. And on Miles –-Day, they're worth even more! Get ready for Wednesday, 15 February, because that's when Discovery Bank will double your Discovery Miles discount. For 24 hours only.

The power of Worth financial education

Do you want to master your finances in 2023? Start by improving your knowledge and skills with Discovery Bank's financial tools and a Worth financial education course on your banking app... available at a discounted rate for Discovery Bank clients.

How to make your Discovery Miles work for you

Forget bucket lists and impossible new year's resolutions. This year, make small, practical changes to improve your financial health... like spending your Discovery Miles on daily essentials and big-ticket items at huge discounts!

5 ways to keep your money safe on holiday

Whether you're staying home or going everywhere this holiday season, you can keep your money, data and details app-solutely safe in five simple, seamless steps.

How to stay cyber-safe on Black Friday

Finding the perfect Black Friday deal can be fun. However, criminals also take advantage of this shopping excitement. Your desire for the perfect bargain and increased time online may be exploited by fraudsters to lure you into scams.

5 tips for making the most of Black Friday

Ready for incredible deals? Black Friday is just around the corner. Here are five tips to help you spend wisely so you can make the most of it.

How to protect yourself from scammers this Black Friday

Black Friday is almost here - but how do you keep your money safe from criminals? Our security experts give answers to some important fraud and security questions.

We have the perfect savings account for your 2023 financial goals

Saving for a rainy day, a comfortable retirement or a luxury holiday? Discovery Bank has a wide range of savings accounts to help you achieve your 2023 financial goals. Plus, you get some of the best interest rates in South Africa.

How to keep track of your savings goal on the Discovery Bank app

How far are you from achieving your Vitality Money savings goal? No need to guess. Keep reading and watch a video to find out how you can easily keep track of your savings points on the Discovery Bank app.

Five tips to increase your Vitality Money status and rewards

You've activated Vitality Money. You're ready to reap the rewards of better financial health. Now what? Use our Vitality Money tips, targets and tools to improve your Vitality Money status and unlock your shared-value rewards.

Get the lowdown on Dynamic Interest Rates. Here's how it works

Get the lowdown on Dynamic Interest Rates. Here's how it works

Did you know that understanding your interest rates can put money in your pocket? In fact, you have a lot more control over how much money you can save than you think. Especially when you can take advantage of Discovery Bank's Dynamic Interest Rates.

Shopper making a payment by tapping their tap-and-go card on the pay point instead of inserting it.

Everyone has a spending and saving style. Do you know yours?

Did you know? You can shop at our extensive network of online and in-store Discovery Miles partners using your Discovery Bank app. Shopping for essentials and spoils has never been easier or more convenient.

It's time to get familiar with the only travel booking website you'll ever need

Do you find booking holiday trips hard work? Well, no more. With Vitality Travel, it couldn't be simpler or more convenient to book your next adventure. Here's a step-by-step guide to help you get the most out of Vitality Travel.

Travelling abroad? Lock in your holiday savings with a forex account

Take your money places with our new-generation forex accounts. Open a forex account in seconds for easier, more convenient international travel.

Adding a new savings or forex account in your Discovery Bank app is as simple as a few taps

Did you know you can open a free savings account with just a few taps in your Discovery Bank app? Plus, you can add as many savings accounts as you need - one for each goal, in fact.

Adding a new savings or forex account in your Discovery Bank app is as simple as a few taps

Did you know you can open a free savings account with just a few taps in your Discovery Bank app? Plus, you can add as many savings accounts as you need - one for each goal, in fact.

2022 Travel Trends you should know about

The world is open for travel again, and we're highlighting travel trends to inspire you to act on your wanderlust.

Find transactions easily with Smart Search on the Discovery Bank app

Did you know you don't have to scroll through endless documents to find that one payment? With Smart Search on your banking app, you can easily search, filter and keep track of all your transactions.

Switch your Discovery debit orders on the Discovery Bank app

You can switch your Discovery debit orders from an external bank to your Discovery Bank account in just a few taps on the Discovery Bank app.

Five reasons why Vitality Travel is the only way to travel

Discovery Bank clients can now go everywhere with Vitality Travel, the first integrated travel booking platform in South Africa. Here are five reasons why it's about to become your go-to site for all your travel needs.

Not using a tax-free savings account yet? Here's why you need one NOW

Whether you're saving for a new car or a deposit on a house, a tax-free savings account is a great way to save for your long-term goals. The new tax year starts on 1 March 2022. Here's how you can make the most of your tax-free savings today.

How to keep your account safe and stay ahead of scams

Digital scams come in so many shapes and sizes nowadays. One of the most deceptive ways is when scammers convince you to download apps that give them remote access to your valuable personal information and account details.

How to manage your spend limits on the Discovery Bank app

Did you know that you don't have to visit a bank branch to set up or change your spend limits? You can easily control your spending by managing your limits on the Discovery Bank app.

Pay on the go with Discovery Bank and your digital wallet

Discovery Bank brings you a safer, more convenient way to make contactless payments using your Apple, Fitbit, Garmin and Samsung devices. Add your Discovery Bank card to a digital wallet and start making tap-and-go payments today.

Don't lose out on saving R500 000 tax-free in your lifetime!

Time is running out! Don't miss your last chance to fund your tax-free savings account before the financial year ends on 28 February 2022.

Access our bankers and world-class servicing options 24/7/365

Discovery Bank clients can experience the future of exceptional service. Now. Access all the information, support and self-service tools you need to help you manage your accounts and reach your financial goals on your banking app.

How understanding interest rates can put more money in your pocket

You often hear about how interest rates have dropped or risen, but do you understand what this means for your pocket and how the actions you take could save or cost you money? If not, here's a guide to understanding your interest rates.

Secure your travel costs by saving in a foreign currency

In the Future of Banking, anyone can afford a foreign currency account. Plus, it adds ease and convenience when you travel internationally. Here are a few good reasons to open the only Real-Time Forex Accounts today.

Forex vs credit card - which is best for international travel?

Gone are the days of traveller's cheques (remember those?) or converting large amounts of cash at the airport. Travelling abroad is much simpler these days, especially if you have a forex or credit card. But which one is best?

Going overseas for the first time? Why you need a foreign currency account

Whether you're going abroad to work or play, with the new Discovery Bank Forex Accounts, anyone can save their money in British Pounds, Euros and US Dollars. Plus, make payments in over 60 global currencies.

What you need to know about foreign currency allowances

How much money are you allowed to spend and invest overseas? What's the difference between a Single Discretionary Allowance and a Foreign Investment Allowance or Capital Allowance? And how can you keep track of both? Keep reading to find out.

How to get and maintain a good credit score

Whether playing sports or games, a good score makes us all happy. There's one score in adult life that's very important ... your credit score. Here are five actions you can take to improve your credit score (and your life) today.

How a budget can help you reach your financial goals

What are your financial goals for the new year? Whether you want to grow your bank balance, save for retirement or pay off your debt, budgeting is one of the most effective ways to manage your money and achieve your goals.

Five behaviours that can change your financial future forever

As with health and driving behaviours that place us at risk, there are five behaviours that influence our financial health. The good news? You can always take steps towards a better financial future. Find out how.

Start the year SMART: How to set sustainable financial goals in 2022

A new year brings new ambitions, new milestones and, hopefully, a new bank balance. Do you want to set financial goals with a lasting impact? This tried-and-tested SMART technique can help you set the right goals for your future.

6 things you need to know about the new smart app notifications

Smart notifications ensure that you get instant updates on any activity on your account, and that you never miss an important update from us. Here is what you should know to make the most of smart notifications.

Be careful not to fall for money laundering scams

Money laundering is a serious financial crime done by all types of criminals, from white-collar criminals to drug dealers. Essentially, it's the illegal process of making money that comes from criminal activity appear like it comes from legitimate companies.

Save with the bank that gives you the best interest rates

As a shared-value bank, we want to help you become financially strong enough to weather any storm. Data shows that we have the best savings rates when compared to the biggest banks in South Africa, and we want you to use this to your advantage.

Keep your banking secure with a strong password

At Discovery Bank, we use cutting-edge tech to keep your money safe. With our banking app, you carry around a bank branch in the palm of your hand, so you must always have a strong password to protect your money and information.

Protect your personal information against fraudsters

We implement the latest security features to keep you safe when you use our banking app but we also want you to have the knowledge you need to stay safe when you're not using it.

Get the full travel experience with Discovery Bank

Qualifying Discovery Bank clients with Vitality Money can take advantage of all our travel benefits. Book a flight at discounted rates, skip the queues with Priority Fast Track, relax with lounge access and save on Uber rides, hotel accommodation and car hire.

How to protect yourself from scammers these holidays

Everyone loves the holidays, and retailers, restaurants and holiday destinations are ready to welcome you. We all know by now that we should take COVID19 safety precautions, but while you're making the best of the summer season, remember to also protect yourself from fraudsters.

Shopper making a payment by tapping their tap-and-go card on the pay point instead of inserting it.

Shop safely with Discovery Bank's contactless payment options this holiday season

It's the holiday season and travel, retailers, shopping malls and most services are open for you to enjoy. With COVID-19 still around, we all have to be more mindful. Fortunately, Discovery Bank makes contactless banking and payments easy.

5 ways to save money when you fly this holiday season

With flight bookings now open, don't miss your opportunity to book a well-deserved holiday or an overdue visit with family. There are many ways to stretch your travel budget and to save money on flights. Here's how...

Here are eight time-saving hacks to get through the airport FAST

You can once again travel to local and international destinations just in time for the holiday season. With airports expected to be a lot busier, you have to know how to travel safely. This checklist will help keep you organised and get you on the plane faster.

How to travel safely over the December holidays

With domestic and international travel now open, how can South Africans keep each other safe from COVID-19? Discovery Vitality's Head of Wellness, Dr Mosima Mabunda, shares top tips for safe travelling in level 1 lockdown as well as important updates to the Vitality travel benefit.

4 ways to make the most of Black Friday

Ready for some great deals? Black Friday and Cyber Monday are just around the corner and Discovery Bank is here to help you to spend wisely, so you can make the most of it. Here's how.

Is life stressing you out? Here's how an emergency savings fund can give you one less thing to worry about

Feeling stressed or anxious? Worrying about money makes it worse. That's why taking care of your money matters is just as important as keeping your body and mind in good health. Don't know where to start? Start by building an emergency savings fund.

Saving for something specific? It's easier with an account that's tailored to your goal

Whether saving for emergencies, retirement or ticking off experiences on your bucket list, saving is good for your financial wellbeing. But it isn't always easy. Set yourself up for success by choosing a bank account that's tailored to help you succeed.

5 tips to increase your Vitality Money status and rewards

With Vitality Money, you are equipped with the knowledge and tools you need to manage your money well. Use these five tips to stay on track to reach every target, improve your Vitality Money status and unlock more of the rewards of shared-value banking.

From humble beginnings to inspirational role model and Discovery Executive

Mapule Mzimba is a #WomenInMotion with many passions in life. A top priority for her as the COO of Discovery Bank is to play a role in liberating all women to achieve their highest purpose.

I believe all women are brave, creative, intelligent and tenacious

#WomenInMotion, Cheryl Ngobeni, believes that being in touch with our emotions is a strength that enables women to make a difference where it matters most. "We should stop being afraid of being sensitive or emotional. It's these traits that make it possible to empathise and develop workable solutions for our communities."

5 life hacks from Jo-Ann Strauss for better financial fitness

Women today are more financially independent than ever. Yet, how to work with money is something that we don't necessarily learn growing up, but rather from the first paycheque. We spoke to Jo-Ann about her philosophy when it comes to money.

Jo-Ann Strauss talks about what guides her to make fit financial choices

Jo-Ann Strauss is one of South Africa's most celebrated speakers and a businesswoman with a passion for entrepreneurship. A belief in lifelong learning and self-improvement has taken her life and career to great heights. She epitomises the strong spirit of a woman in motion

How to protect your savings and manage your money to withstand times of crisis

Along with other aspects of life, you may need to adjust your finances during this unprecedented time. Many were caught off-guard. It's not too late for some financial checks and adjustments to be more prepared. Akash Dowra, Head of Client Insights at Discovery Bank, shares some tips and advice.

Five things you can do for your financial health

Behavioural theory shows that we humans don't always make the most rational choices that serve us well in future. In uncertain times, we may also take more risks or make hasty decisions. Stop, take a moment and look these five behaviours and how you rate.

How to keep your money goals real and stay motivated to save

While everyone's circumstances are different, there is no doubt about the relief a financial safety net brings. Try to make financial choices that will not only help you stay afloat, but also ensure you have something set aside for when you need it most.

Don't let lockdown leave you vulnerable to cybercriminals

While self-isolation will keep you safe from the dreaded COVID-19 virus, it is up to you to keep yourself, your family and your company safe from digital scammers and hackers who will be looking for any opportunity to take advantage of you during this time.

Now is a great time to boost your financial knowledge and save big!

Discovery Bank and financial education partner, Worth, bring you an exciting learning channel to improve your financial knowledge. Why not use this time to get practical tips for better financial control every day?

Skip crowded pharmacy queues with Health Banking

Do you anticipate a hospital admission or do you just need to swing by the pharmacy to pick up your meds? Our smart Health Banking solution makes healthcare trips as 'in-and-out' as possible. Learn how to make the most of digital banking here!

Don't let lockdown leave you vulnerable to cybercriminals

While self-isolation will keep you safe from the dreaded COVID-19 virus, it is up to you to keep yourself, your family and your company safe from digital scammers and hackers who will be looking for any opportunity to take advantage of you during this time.

Why we all deserve personalised interest rates

Gone are the days when insurance premiums were decided by age, sex, vehicle type or basic information. Today, financial services rates are personalised to reflect insurance risk based on how well clients drive, they take care of their health or manage their finances.

Five behaviours can change your financial future

As with health and driving behaviours that place us at risk, there are five behaviours that influence financial health - changing these behaviours is the best move you'll make for better financial control.

Behavioural banking: a bank, rewards and more in your hands

Discovery Bank is not just a digital bank, it's a fintech evolution that gives clients market-leading features and behavioural banking tools to change their financial health and improve their lives.

What healthy finances can do for your mental health

What does the health of your bank balance do to your brain and your body? The obvious answer is that if you have your ducks in a row, your heart and head can rest easy.

Bringing science to the world of banking

Discovery Bank is not just a digital bank, it's a fintech evolution that gives clients market- South Africans who bank better, grow wealth and earn rewards. It's all possible with the science behind behavioural banking. With technology that enables behaviour change, you'll soon have a healthier financial outlook.

Understand your financial health with the Vitality Money calculator

Our fingers were the first tools we used to count and add. As maths progressed, we made way for calculators. Today, finances may leave people crossing their fingers hoping everything balances. It doesn't have to be that way.

Safe Banking this Holiday

Whether you are spending some time at home or some time away this holiday season, it is important to remain vigilant when banking, shopping or holidaying.

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