Throw is a savings circle app for the Susu, Pardner, Ajo or Tontine you already run. It keeps the dates, the payout order, the reminders and the receipts. Everyone pays bank to bank, and Throw never holds the money.
In testing on iPhone now. The App Store release is coming soon.
Throw does the parts that usually land on the organiser: working out the dates, keeping the order, reminding people and keeping count. Read the full guide to how Throw works.
Give it a name, choose the amount, how often everyone pays and how many hands. Throw works out the pot and every payout date.
Share one link to your group chat. People join with the invite code, and you can see who is in before you start.
Each member approves their payment in their own banking app. It goes straight to whoever is receiving this time, and the record updates for everyone.
Everyone can see whose turn it is, who has paid and what comes next. Reminders go out before each date, so you don’t have to send them.
A Susu, a Pardner, an Ajo, a Tontine, a Committee. Pick the word your group already uses, and Throw uses it everywhere: in the reminders, the receipts and the group room.
It’s Adaeze’s turn to receive the Susu on 1 December.
Something else at home? Type your own word when you set it up.
What each tradition is, how it works, and how Throw fits in.
Most circles run on one person’s memory and a WhatsApp thread. Throw gives that person a clear record and gives everyone else a clear view.
Watch an organiser set up a Susu, invite members and start it. Under 4 minutes.
Watch a member join from an invite, pay and receive the pot. Under 4 minutes.
Throw keeps the record. Your bank moves the money.
Each contribution goes from the payer’s bank straight to the member receiving the pot. The only money paid to Throw is its own small fee.
Payments are started by Yapily Connect Ltd, authorised by the Financial Conduct Authority (FRN 827001). Throw itself is not FCA-regulated.
Every payment, who made it and its status, in a ledger the whole group shares. Nobody keeps a private version.
If someone changes the account their pot is paid into, the group is told, and people paying them see a warning for the next 7 days.
Each member pays a monthly price for the length of the circle, charged once at the start with one bank approval. No subscription and no card.
£1.49per member, per month
Everything you need to run your group without chasing anyone.
£2.49per member, per month
More control when the stakes are higher. Payments run themselves.
Organisers can be free. The organiser chooses the plan for the whole group, and can choose not to pay a fee themselves.
Example: a 10-month Pardner on Standard costs each member £14.90, paid once at the start. See plans and example costs.
No. Every contribution goes from the payer’s bank account straight to the member receiving the pot that cycle. Throw records the payment and shows its status. The only money paid to Throw is its own fee.
You approve each payment yourself, in your own banking app. Payments are started by Yapily Connect Ltd, which is authorised by the Financial Conduct Authority (FRN 827001). Throw never has access to your bank account.
A savings circle still runs on trust between its members. Throw doesn’t guarantee or insure contributions, so join circles with people you know.
Throw reminds them before the due date and tells the organiser when a payment is late. The rules your group agrees at the start decide the grace period and what happens next, and everything is recorded where the whole group can see it.
Members can ask for more time, swap turns or hand their place to someone else. Throw doesn’t cover missed payments.
£1.49 per member per month on Standard, or £2.49 on Plus, for the length of the circle. It’s charged once at the start with one bank approval, so there are no monthly charges. The organiser can run the group for free.
Most UK banks and building societies that support open banking payments. You choose your bank in Throw, then approve the payment in your banking app. For now, payments are in pounds from UK accounts.
Not yet. Throw is on iPhone first. It’s in testing through Apple’s TestFlight now, with the App Store release coming soon. Join the early access list and we’ll tell you when Android is ready.
Throw is in testing on iPhone. Tell us about your group and we’ll be in touch as places open, and when Throw is on the App Store.
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We’ll email you as soon as there’s a place for your group.