We offer a web based app which you can access from our website and then open up again anytime just like a regular website. There is no compromise on security or quality.

This decision was made intentionally so we don’t have to pay crazy high revenue fees via the App store at this early stage of growth.(Apple can charge between 17%-30%).

It is in our future, so we will keep you updated on this.

For now - Click the button ‘GET WEB APP’ . Then just pin the web address to your homescreen on your phone and voila - it’s just like any other app.

There are videos on our insta or in our LEARN section of the app to help you get set up.

As an example - Virgin Gyms have operated as a web app for over 5 years. And have just recently loved to the app store.

We have 2 levels

1. FREEMIUM

This includes educational content and the Brand Bonus feature - where if you shop with a partner brand a % of your spend gets gifted to your super.

2. PREMIUM

   Our premium subscription includes Round Ups which helps you sweep spare change from every purchase with your connected card into your super. It costs $5 a month if you pay upfront ($59 a year) or it’s $5.75 a month and you can cancel anytime. Everyone gets a 2 week free trial. This fee is a flat fee and it’s the same whether you round up $30 for the month or $70.

Yes. With one exception.

For Round ups - you can have a credit card connected. But the Primary Card you use must be a transaction account/ debit card. Then you add the credit card as a TRACKING CARD. This means the Round Ups will be TAKE OUT of the primary account 3 times a week. BUT you can TRACK the Round Ups on the credit card.

This is great for people who use a credit card for everything and pay it off at the end of the month.

The reason we have this rule is so that people don’t start having direct debits made from a credit card. That is not great money managment.

For brand bonus you can connect up to 5 cards of any kind. Debit or Credit. (We just don’t do Amex).

Right now we move the super once a month. Usually around the 10th-12th of every month - from the one previously. So on the 12th of Jan - we moved all the payments from month of December. We receive this money from our payments provider and send that direct to super.

Every time you shop with your connected card we round up to the nearest $1, $2, $3 and sweep that spare change into your super for you. So imagine you buy a coffee for $4.50. 50 cents gets rounded up. Three times a week this money gets direct debited form your account, so you hardly notice it. But over time it can have a huge impact on your super. Right now we move this money once a month into your super. As we scale we will be able to make this more frequent without raising your fees.

There are 4 simple steps.

1. Connect your card securely once in the App’s ‘Brand Bonus’ section. Then shop as usual.

2. Pay the full amount for your purchase in-store or online.

3. Receive a % of the transaction cost as a gift to your super. This is called a ‘Brand Bonus’. It’s basically just like getting a discount but instead of putting the savings in your pocket now, you’re adding it to your future wealth where it could be worth much, much more than just a few bucks.A notification will let you know what you have earned.

4. You will each Brand Bonus will be marked as ‘pending’ to begin with which means you have earned it - it’s just not been paid yet. This time frame is different for every retailers to allow for their returns period.

5. Once it’s ‘Confirmed’ we add it into your super for you. This all happens once a month alongside our Round Ups. You don’t have to do a thing. Easy.

While the wealth gap impacts women the most, it effects our whole society. So Tap the Gap is available to female, non-binary and male individuals. Men may choose to add their Brand Bonuses or Round Ups to the super account of a woman of their choice. A partner, family member or friend. Or they may keep it for their own super, if they so please. We will never stop anyone making great steps for their financial future.

Promise we won’t put you to sleep here. The super you probably know best is the money your employer pays for you. These amounts are called concessional contributions and have a limit of $30,000 each year, per person.

Tap the Gap Round Ups is known as a non-concessional contribution. Money on top of what your employer pays. You can add up to $120,000 of non-concessional contributions to your super each year. That is, ****ensuring your super balance is not over what they call the ‘general transfer balance cap’ of $1.9million. But hey, it’s pretty safe to say if you already had that much in your super, you wouldn’t be in need of Tap the Gap. And find yourself reading this FAQ. Under our AFSL, Tap the Gap Pty Ltd (ABN 70 678 735 638) (AFSL 700022) provide general advice only, meaning that we don’t consider your objectives, financial situation or personal needs.Talk to your accountant or super fund if you want the best advice on this tax and super.

Please get in touch about a corporate educational workshop and corporate app subscriptions. This empowers your staff to create change themselves everyday. And deliver on your culture and ESG metrics with easy dashboard reporting.

If you believe your biggest shoppers deserve a better outcome, let’s chat. We’d love to have you as a partner. Talk to us about the ROI of Brand Bonus campaigns, providing Tap the Gap for your own employees or doing a brand collaboration together.

We’d love to connect with your members and help you reach your engagement goals. We understand the whole long and (overly complicated) journey of super. Our founder works on a super brand for years. She gets it.

We take your privacy and security very seriously. Please see our full privacy policy and terms page.

We work with providers who ensure bank grade security and operate under strict data privacy frameworks.