This is our shared-value banking model
As you manage your money well, you create less risk and more value for your bank. We share this value back with you through improved interest rates and rewards through our powerful Vitality Money programme. We believe that when our clients do well, we do well and society benefits too. In fact, our shared-value banking model is so powerful, it made it to Fortune's Change the World list.
Value for clients
Actively engage with the Vitality Money programme to learn how you can better manage your money and improve five key financial behaviours that make up your overall financial health. Plus, you get to experience better value, better benefits and exceptional service along the way
Value for the Bank
As you engage more with Vitality Money and improve your usage of our products, deposits increase and defaults go down, which means you become a lower risk for the Bank and create more value. This value we share back with you through improved interest rates and rewards.
Value for your society
By becoming more financially healthy, you help build a more financially resilient society - a community that has more disposable income, more long-term savings, and one which is less reliant on family and the country.
Your shared-value stack of rewards
Based on the product you choose, and your Vitality Money status - you'll unlock your own personal stack of shared-value rewards.
You can also use our interactive shared-value stack tool to see the value you could get with Discovery Bank based on your individual portfolio.
The Future of Banking. Now.
A future where your bank believes...
Anyone can be financially resilient and improve their money management. It is not about how much you earn, but how well you manage what you earn.
You should be able to bank anywhere, at any time - with convenient access to tools, knowledge and support to help you make better financial decisions.
You should be rewarded for your positive financial changes with rewards and benefits equal to the effort you put into your financial wellbeing.
Banking is about building a community of people who are managing their money well and making a meaningful impact in society.
With the Future of Banking, you can enjoy
Easy access to all your financial products
All Discovery clients now have secure access to a single view of their financial products and personalised discounts. Powered by Discovery Bank's advanced technology.
Smart tools to help you manage your money
The Vitality Money Financial Analyser helps you manage your spending and saving through personalised smart notifications.
Smart, instant, seamless ways to pay
Enjoy secure and seamless payments across our Discovery eco-system at hospitals, pharmacies and gyms without ever having to take out your wallet. Plus, pay any Discovery client instantly without needing any bank details.
The widest range of Vitality Travel benefits
Go everywhere with Vitality Travel and get 10% to 75% off local and international flights, up to 25% off accommodation and save 25% on unlimited car hire. Plus, travel like a VIP with Discovery Bank's Priority Fast Track security clearance and access to airport lounges worldwide.
Powerful rewards at your fingertips
Get rewarded for all your healthy behaviours in Discovery Miles, our powerful rewards currency that's more valuable than cash.
Plus, see all of your Vitality programmes on the Discovery Bank app and enjoy enhanced and personalised rewards with the upgraded Vitality Active Rewards.
Best rated banking app
in South Africa
All of this is brought together simply, elegantly and seamlessly in the palm of your hand, powered by the Discovery Bank app. And if you need to speak to a banker, we've got you covered too - 24/7/365.
Go to your favourite app store to download the Discovery Bank app.
More about Shared Value Banking
News and updates
We consistently drive innovation through our outstanding features and services, exceptional user interface, and seamless integration with various internal and external platforms.
Stay up to date with the latest news and updates through our news channels.
Awards and recognition
We're humbled by awards we've received. These awards are a testament to the continuous innovation and value that Discovery Bank offers our clients.
Our banking app was voted #1 digital banking app by the public at the 2023 MTN Business App of the Year Awards.
The Best New Digital Bank in SA as recognised by the Global Banking and Finance review.
For the second year in a row, Discovery Bank was voted number one in in the 2023/2024 Ask Afrika Orange Index, recognising service excellence.
MyBroadband recognises Discovery Bank as the Best Digital Bank of the Year 2023 for outstanding features, services, usability and integration.
The number one digital banking app based on ratings in SA app stores.
The only organisation in SA recognised by Fortune Magazine in their Change the World list.
Don't just take our word for it.
Curious what the Banking experience is like? Hear it directly from our customers.
The wait is over
"After a long, long, long wait I finally joined Discovery Bank. It has been a seamless transition. Absolutely loving the ease of use and the Vitality integration"
Great savings
"A great deal to save on your prepaid electricity! 15% off goes a long way each month! #discoverybank #discoverymiles"
Best bank with great benefits
"Since I have joined Discovery Bank, I have been totally satisfied. Everything they promised is what they deliver."
Discovery Bank Gold Transaction Account
"So far I find it very easy and fluent to use this bank! I have their Gold Cheque Account."
Incredible service and friendly staff
"I cannot recommend this bank enough. Fabulous service and friendly staff! I feel secure and I feel that my money is safe. The card is super pretty too!"
Great service
"Great service. I applied for my card last week Tuesday, received it Friday."