Most money apps are easy to ignore. With Otto, you get one clear view, good habits, and a bit of fun along the way!
A few of the things you'll find when you explore the app.
Your money's probably spread across a few apps. Everyday banking in one, KiwiSaver in another, maybe some shares or a loan somewhere else. Otto pulls it all into one simple view.
Every couple of weeks, Otto checks in on your progress. Keep your balance moving the right way and your streak ticks over. Miss one, and it's easy to pick back up.
Turn those small wins into a habit to get big results over time.
Progress earns tokens. Streaks unlock surprises. Nothing automatic, nothing pushy. Just enough delight to keep you checking in when life gets busy.
After a few months, you'll notice the thing that matters: those habits are starting to stick.
Your bank, your KiwiSaver, your Sharesies, your credit card, all pulled together into one simple view. No switching apps, no spreadsheets required.
Your balance moved in the right direction. Your streak ticks up and you earn a handful of tokens. Just like that, you're on your way.
You're stacking your savings. A holiday, an emergency fund, something for later. Timeline shows where the money goes. Radar flags a subscription you'd forgotten about. Your streak ticks on.
You turned on round-ups weeks ago and forgot. But Otto didn't! With every purchase, that spare change was put toward your savings goals. Six months in, you've set aside more than you even planned for.
With Otto Plus you see everything: cash, KiwiSaver, shares, the house, the car, the loan. Your net worth is going up, month after month, because Otto's helped you build the habit.
No switching banks. No moving money. Otto connects through Akahu, New Zealand's trusted open finance provider.
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Every couple of weeks, Otto checks in. Keep your balance moving the right way and you hit your checkpoint, add to your streak, and earn tokens. The longer you keep it going, the more it pays off.
Kiwis using Otto are finding that small, regular progress adds up a lot faster than they thought!
Free covers the essentials: your accounts in one place, Quests, tokens, and plenty of fun along the way. Plus sharpens the picture: more accounts, powerful tools, and better habits.
Otto is free to join. If you want more, Otto Plus is $5 a month.
No credit card needed.
Includes a free trial. Cancel any time.
Otto's core features are completely free. Link your accounts, earn tokens, and start making progress without spending a cent. Otto Plus is $5 a month (or $48 a year) and unlocks unlimited accounts, Savings Stacks, subscription tracking, and more. Both plans come with a free trial.
Every couple of weeks, Otto checks in on your balance. Keep it moving in the right direction and you'll hit a checkpoint, earn tokens, and add to your streak. The longer you keep it going, the more you earn. A few surprises along the way too.
Tokens are how Otto rewards you for making progress. Earn them by hitting checkpoints, building streaks, and keeping your goals on track. Spend them on rewards inside the app (cash, prizes, and more) whenever you feel like it.
Otto connects your accounts through Akahu, New Zealand's trusted open finance provider. Setup takes about two minutes. Your banking login never leaves Akahu, and on Otto's side your data is encrypted in transit and at rest.
No. Otto is not a financial services provider or a financial adviser, and nothing in the app is financial advice. Otto helps you see where you stand and build better money habits. Every decision about what to do with your money is yours to make.
A Wellington-based team with 50+ years of combined experience across finance, tech, and design. We loved Bonus Bonds. When it closed, we wanted to bring that same feeling back, so we built Otto.
We're working on it! A native app for the App Store and Google Play is on the way. In the meantime, Otto works beautifully in your mobile browser. Save it to your home screen for an app-like experience.
Join the Kiwis already using Otto to get on top of their money.