Splendi vs DebitWatch

Take control of your credit journey with Splendi, South Africa’s trusted credit wellness app powered by XDS, one of the country’s leading credit bureaus. Splendi helps you understand your credit profile, improve your financial health, and make informed credit decisions with confidence. With Splendi, you can access your credit score for free, view your full credit report, and receive personalised insights to guide your financial journey. Whether you are just starting to build credit, working to repair it, or managing it carefully, Splendi gives you the tools you need to succeed. Key Features Free Credit Score Instantly access your up-to-date credit score at any time. Your score is presented clearly, helping you understand where you stand financially. Comprehensive Credit Report View a detailed breakdown of your credit report and understand what influences your score. Identify accounts, payment history, and other key factors that affect your credit health. Personalised Insights and Education Get easy-to-understand tips and articles that explain how credit works, how to improve your score, and how to avoid common mistakes. Splendi helps you make sense of your financial data in plain language. Offers and Services Explore relevant financial offers that suit your credit profile and goals. Identity Protection Stay protected against identity theft. Splendi monitors your profile for unusual activity and alerts you to potential risks, giving you peace of mind about your personal information. Why Choose Splendi Splendi is more than a credit score app. It is a complete credit wellness platform designed to help South Africans take charge of their financial futures. Backed by XDS, Splendi provides trusted and accurate information straight from one of the country’s official credit bureaus. With an easy-to-use interface and secure technology, Splendi empowers you to: • Understand what affects your credit score • Improve your credit standing over time • Discover better financial opportunities • Protect your identity and data • Build long-term financial confidence Whether you are checking your credit for the first time or keeping track of your ongoing progress, Splendi gives you the insights and tools you need to make smarter money choices. Empower your credit. Empower your future. Download Splendi today and start your journey toward financial wellness with confidence.

Most South Africans only notice a bad debit order when their balance is wrong. DebitWatch is the vault that catches it first. DebitWatch is a private watchdog for the recurring debits hitting your current account — Discovery, OUTsurance, Planet Fitness, Netflix, NAEDO collections, MOBISUB charges, the lot. It surfaces every recurring debit, flags the suspicious ones, forecasts the next 90 days of cash leaving your account, and helps you dispute or cancel anything you don't recognise. Built for all major South African bank account holders. Fully on-device. We literally cannot move your money — DebitWatch is read-only by design. WHAT IT DOES · Recurring-debit detector. Import any SA bank CSV statement — we auto-detect the columns, find the recurring patterns, and add them to your watchlist. · SA-tuned risk engine. Flags NAEDO collector hits, MOBISUB-style anonymous subscriptions, post-payday first-time charges, amount drift, and looming annual renewals. · 90-day forecast calendar. Gold dots on the days money is leaving. Pick a window of 30, 60, or 90 days. · One-tap dispute. Drafts a SARB-compliant dispute letter pre-filled with the merchant, reference, amount, and date. Opens in Mail, addressed to your bank's disputes inbox. · Vault locking. Seal a debit into the vault to stop it counting against your protection score and outflow. · Local notifications. A reminder the morning of every upcoming debit, scheduled 90 days ahead. · Vault Seals. Eight achievement seals to collect as you keep your vault clean — First Lock, Watchdog, Auditor, Disputer, Vigilant, Steel Resolve, Treasury, Vault Keeper. · Private by default. Statements never leave your phone unless you explicitly export them. No tracking. No advertising. No analytics. WHY IT EXISTS NAEDO and DebiCheck were built to make recurring debits convenient. They're also the abuse vector behind most of the unauthorised debits hitting SA current accounts every month. R200 here, R299 there, an "annual renewal" you forgot about — it adds up to thousands a year. DebitWatch gives you a single pane of glass over every recurring outflow, so you catch the silent ones early. PRIVACY POSTURE · Read-only. Cannot make a payment from your account. · On-device. Your debit history is stored in this app's sandbox only. · Optional export. Your data stays yours, in a single JSON file you can share or delete. DebitWatch is a personal vigilance tool, not a banking app. You always send any dispute or cancellation yourself, through your bank's official channels.