Join Appia Financial Services — Own a Piece of Your Community Bank
A member-owned, regulated co-operative financial institution being registered with the Prudential Authority under the Co-operative Banks Act 40 of 2007. Built by South Africans, for South Africans.
Existing members & admins — use Sign In to access your dashboard.
Built on regulated, audited infrastructure
Our Story
Two decades in the making.
Appia Financial Services is the realisation of a vision held since 2002 — born from the pioneering work of Finance 7 Seven and Appiawave, two organisations dedicated to bringing dignified, technology-led financial services to underserved South African communities.
We exist to prove that a regulated, member-owned bank can be both world-class and deeply rooted in Ubuntu. Every Rand committed by our founding members is a vote for a different kind of financial future — one where you are not a customer, you are an owner.
Chief Executive Officer
Toyese Titus Oyewo
CIBA Professional Accountant and PhD Researcher with two decades of experience building financial infrastructure for African markets.
Our Objectives
Three commitments. One institution.
Financial Inclusion
Bringing regulated, dignified banking to the South Africans most overlooked by traditional institutions.
Member Ownership
One member, one vote. Surplus returned to members. A bank that answers to the community it serves.
Technology-Powered
Modern infrastructure — PayShap, debit cards, remittance, and digital onboarding from day one.
Member Benefits
What you get as an owner.
Banking that gives back — by design, by structure, by law.
Ownership stake
Real shares in a regulated co-operative bank.
Competitive savings
Target rates of 8–10% p.a. for members.
Affordable loans
Member-rate lending via AppLend.
Earned Wage Access
Draw earned wages before payday — fairly.
Mastercard debit
Tap-and-go anywhere in the world.
PayShap payments
Instant low-cost payments across SA banks.
Mukuru remittance
Send money across the continent.
Annual surplus
Profits distributed back to members.
Deposit insurance
Available once bank status is granted.
The Process
Five steps to ownership.
- 01
Fill in your details
Personal info, ID, contact and address.
- 02
Commit to shares
Choose how many R500 shares you'll hold.
- 03
Get your certificate
Download your signed PDF membership certificate.
- 04
Make payment
EFT to Capitec Business Account 1055095543 (Finance 7 Seven).
- 05
You are a member
Welcome to Appia. Your journey begins.
Share Structure
Two classes of shares. One co-operative.
Every member holds Class A mandatory shares as a condition of membership. Class B voluntary shares are available for members who want to grow their stake — and unlock incentives.
| Share price | R500 per share |
| Voting rights | One member, one vote (regardless of shares held) |
| Maximum holding | No maximum |
| Purpose | Condition of membership |
| Minimum holding | 1 share (5 for Founding Members) |
| Interest | Non-interest-bearing unless approved by the Prudential Authority |
| Redemption | Cannot be redeemed for more than nominal value |
| Purpose | Voluntary investment above the mandatory minimum |
| Minimum holding | Optional (0 or more) |
| Incentives | Preferential interest on savings, preferential loan rates, enhanced VAS benefits, higher patronage dividend weighting |
| Eligibility | Open to all members in good standing |
Your shares are an ownership stake, not a fee. Every Rand committed — Class A or Class B — buys you equity in a regulated South African financial institution. Both classes are recorded in the member share register and the institution's constitution.
Frequently Asked Questions