Tax-Free Savings
Sygnia TFSA

Sygnia TFSA

Easy Tax-Free Savings

Reach your money goals, without the tax stress! Open your Tax-Free Savings Account — powered by Sygnia.

Key benefits

Why a TFSA makes sense

Grow Tax-Free

Grow Tax-Free

Save confidently for short- and long-term money goals without paying tax on growth, income or withdrawals.

Access When You Need It

Access When You Need It

Access your money anytime, while it grows tax-free.

Save On Your Terms

Save On Your Terms

Start with what you can, pause when you need to, or increase when the time is right.

Let your money grow

Your future

Let your money grow while you sleep.

You don't need to start big — small, regular amounts can grow into something meaningful. Stay consistent, be patient, and let time do the heavy lifting. Give your future self the powerful head start you deserve.

Features

Imagine a life where your money grows... but without the tax.

No hefty capital required. Zero investment expertise needed.

Ideal For Your Big Goals

Ideal For Your Big Goals

Whether you're building to buy your first home, planning for your child's education, or securing money for the long-term, the Tax-Free Savings Account fits all goals.

Annual Limits & Lifetime Caps

Annual Limits & Lifetime Caps

Invest up to R46,000 tax-free every tax year (1 March - end February) and up to R500,000 over your lifetime.

Start Small

Start Small

Get going with a simple once-off contribution — it's about consistency, not perfection.

You're in Control

You're in Control

Decide how your money is invested, based on what you want to achieve and how much risk feels right.

For South Africans

For South Africans

This product is available exclusively to South African residents.

Say goodbye to overwhelming investing

Tax-Free Savings Advantages

Say goodbye to overwhelming investing.

Many South Africans don't know where to begin when it comes to growing their money. We're here to make it easy!

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Let your money grow tax-free — yes, really.

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No sneaky fees. No exit penalties. No admin drag.

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You can stop or adjust your contributions anytime without being penalised.

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Choose from a wide range of funds that match your goals and comfort level.

Funds

Choose how your money grows

Not everyone invests the same way — and that's the point. You can choose a fund that matches your goals, timeline, and how comfortable you are with market changes.

Balanced Absolute

Sygnia Skeleton

Balanced Absolute

Is this suitable for me?

Individual investors seeking to maximise their returns in the long-term, while maintaining a low level of risk.

Risk profile

Risk profile: Low-medium

Equity exposure

Equity exposure under 30%

Time horizon

Time horizon: 2+ years

Balanced 60 Fund

Sygnia Skeleton

Balanced 60 Fund

Is this suitable for me?

Individual investors seeking to maximise their returns in the long-term, while maintaining a medium level of risk.

Risk profile

Risk profile: Medium-high

Equity exposure

Equity exposure under 60%

Time horizon

Time horizon: 5+ years

Balanced 70 Fund

Sygnia Skeleton

Balanced 70 Fund

Is this suitable for me?

Individual investors seeking to maximise their returns in the long-term, while maintaining a high level of risk.

Risk profile

Risk profile: Medium-high

Equity exposure

Equity exposure under 70%

Time horizon

Time horizon: 5+ years

We make tax-free savings easy

Join countless South Africans on the path to tax-free savings.

Top-ranked financial partner

Top-ranked financial partner

Our trusted partnership with Sygnia ensures unmatched investment security.

Authorised Financial Services Provider

Authorised Financial Services Provider

We prioritise your security and privacy with advanced technology.

Open your Tax-Free Savings Account

Start Saving

Open your Tax-Free Savings Account

Download the Kastelo App, available in your favourite App Store, or click below to sign up in minutes.

Step 1:

Sign up for Kastelo.

Step 2:

Get verified for secure access.

Step 3:

Open your account and start saving tax-free.

FAQs

Find answers for every Kastelo product, all in one place.

Who can open a TFSA?

Any South African adult resident can open a TFSA.

What are the advantages of a TFSA?

  • Grow your savings without any taxation.
  • Enjoy unrestricted access to your money.
  • Choose from different funds to suit your investment goals.

What are the conditions for opening my TFSA?

  • Only individual South Africans with tax numbers are eligible.
  • A regular income cannot be paid out – interest and dividends earned are automatically reinvested.
  • No protection against creditor claims.
  • A maximum of R46,000 per annum and R500,000 over your lifetime can be contributed.
View all FAQ

Contact us

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