Discovery Bank

Discovery Bank is the next generation in digital banking. The Future of Banking. Now.


Welcome to the world’s first fully digital shared-value bank. Sign up in under 5 minutes anytime, anywhere and have a bank branch in the palm of your hand.


Discovery Bank offers revolutionised digital banking and payments, advanced AI technology and SA’s best client experience to make life easier, more exciting, and more rewarding. Unlock a world of rewards with Ðiscovery Miles – the rewards currency worth more than cash – and access Vitality Travel to get up to 75% off flights.

A full bank branch at your fingertips:
o Sign up in under 5 minutes, get free virtual cards and start transacting immediately.
o Manage your cards, accounts, and rewards in one place.
o Instantly change a PIN, pause or stop cards.
o Secure your accounts with our Security Code, Panic Code and TRUST™ alerts – our smart in-app feature that checks the risk of every payment.
o With Discovery 911, emergency services like medical, roadside or home assistance are integrated into our app.
o Download certified bank statements, account confirmation letters, and tax certificates anytime.
o Get client support 24/7/365, including features like Live Assist, in-app calling and Discovery AI.


Pay anyone, anywhere, anytime:
o Make real-time payments from only R1 through Discovery Instant Pay or PayShap.
o Tap to pay with Apple Pay, Garmin Pay, Google Pay, Samsung Wallet and SwatchPAY! by adding a virtual card to your preferred digital wallet.


Unlock a world of rewards with up to:
o 75% off local and international flights
o 75% back on HealthyFood items at Checkers and Woolworths
o 50% back on HealthyCare items at Clicks and Dis-Chem
o 20% back on fuel spend at bp and select Shell stations
o 20% back on Uber rides.


Earn and spend Ðiscovery Miles:
o Earn up to 15% back in Ðiscovery Miles when you pay with your Discovery Bank card at select fashion, home and lifestyle partners.
o Get up to 15% off when spending Ðiscovery Miles in-store and online every day – this doubles to up to 30% off on Miles Ð-Day on the 15th of every month.
o Get up to 15% off airtime, data, prepaid water and electricity, as well as select entertainment vouchers.
o Earn Ðiscovery Miles every time you use your Discovery Bank virtual card.
o Earn Ðiscovery Miles through Vitality Active Rewards (when you exercise, drive well, or spend responsibly), and for Vitality lifestyle rewards.



Upgrade your travel experience:
o Get up to 75% off local and international flights, book and pay seamlessly in the app and get free international travel insurance.
o Enjoy an enhanced travel experience with Vitality Travel by Discovery Bank.
o Get exclusive access to The Lounge, by Discovery Bank and SAA, for an elevated pre-flight experience.
o Skip the queues at airport security clearance with Priority Fast Track.


Access products that enrich your life:
o Get revolving credit up to R1,000,000 with immediate access.
o Apply for a personal loan of up to R500,000 and get your money within 48 hours.
o Apply for a home loan in the app and get a preliminary offer in 5 minutes.
o Get exclusive access to Vitality Money, which helps you track and improve your financial health and rewards you when you do.
o Choose an account just right for you – from day-to-day banking, a credit card, full banking suite or open free savings accounts in minutes.
o Open forex accounts in minutes for seamless foreign currency transactions anywhere in the world.
o Buy, sell and manage over 50 crypto assets like Bitcoin and Ethereum.
o Invest in shares, ETFs, property and other investments securely and conveniently.
o Access other Discovery products like car insurance – get an instant, personalised quote and activate your cover without leaving the app.


Auth FSP. Limits (incl. fair usage), Ts&Cs apply.