Financial products should support employees today while helping them plan for tomorrow. Picsa’s holistic approach to financial health offers both short- and long-term solutions, which creates stability for workers and a more productive workforce for employers.

Short-term savings

Save without relying on credit or payday loans. Employees can cover their needs through savings instead of turning to credit or payday loans.

Start small with no minimum deposit. Even the smallest contributions make saving possible and sustainable.

Withdraw funds on a convenient monthly date. Access to savings is simple and reliable when employees need it most.

Build stability and financial health over time. Consistent saving helps employees create a stronger foundation for the future.

Anyone can be an investor. Employees have the opportunity to grow their money for the future, no matter their income level.

Start small and build steadily. Saving is possible and accessible without the barrier of high entry amounts.

Invest in your own name. Funds remain protected and belong only to the employee.

Grow through a trusted investment fund. Contributions are invested securely to build long-term financial health.

Save on funeral cover. Employees can reduce costs by moving their funeral policy to Picsa.

Choose one of the most affordable policies available. Cover is designed to be accessible without compromising on quality.

Protect your whole family. Immediate family is included, with the option to add extended family at a low cost.

Be covered by trusted experts. All policies are underwritten by Safrican (Sanlam), which gives employees peace of mind.

Simplify your debt. A consolidation loan combines everything into one manageable monthly payment with lower fees.

Save while you borrow. Employees continue building financial health even as they repay debt.

Borrow responsibly. Only affordable amounts are approved, supported by low interest rates.

Track progress with ease. Monthly SMS updates show debt decreasing step by step.

Get rewarded for good financial choices. Employees earn rewards simply by building positive financial habits.

Earn back on fees. Up to 100% of admin and transaction fees can be returned.

Boost short-term savings. Rewards are paid directly into employees’ savings accounts once a year.

Encourage long-term progress. The programme motivates consistent, healthy financial behaviour over time.