See every balance, honestly
Savings, shares and loans, with what they can withdraw today, what is held and why, account by account.
Member app
Your society, in every member's pocket.
A wallet, their savings, shares and loans, and Bridge payments (transfers, bills, vouchers, escrow and offline payments) on members' phones, on the same ledger your officers run, under the same rules.
Coming The member app is on its way.
What members can do For members
Everything members ask the office for, on their phone.
The questions your officers answer every day (what's my balance, how much can I borrow, did my payment arrive) answered in the app, from the same records.
Statements on demand
Every deposit, share purchase and repayment, with principal and interest shown separately. Download a PDF any time.
Pay in
Deposits, share purchases and loan repayments by bank transfer, with their member number filled in as the reference.
Borrow
See what they could borrow and how it was worked out, get a quote with the full cost, and apply.
Guarantee a colleague
Accept or decline guarantee requests, see exactly how much of their savings would be held, and follow the loan.
Notices and the AGM
AGM invitations, agendas and society notices arrive in the app, by SMS and by email, with delivery recorded.
Dividends explained
What they earned on shares and loan interest this year, and how it was calculated.
Name a beneficiary
Nominate who receives their savings, for one account or all of them, and update it when life changes.
Member wallet
A wallet that works with the society.
Every member gets a Bridge wallet: their everyday account for receiving and paying. It sits next to their savings, shares and loans, so money moves between them in a tap, and every movement lands in your ledger.
- Its own account number, so salary or a bank transfer lands straight in it
- Loans are paid into it the moment they're disbursed
- Dividends and rebates can be paid into it at year-end
- One tap to move money into savings, shares or a loan repayment
Borrowing
Apply for a loan without a trip to the office.
Members see what they could borrow and exactly how it was worked out, get a quote with the full cost, and choose their guarantors. The application lands on your loan pipeline for the credit committee.
- Borrowing limit explained, not just stated
- Full cost shown before they apply
- Guarantors invited in the app
- Progress visible at every stage
Guarantors
Guarantors decide with the facts in front of them.
A guarantee request shows the loan, how much of the guarantor's savings would be held, and what they could still withdraw and borrow. Once they accept, they hear as the loan is repaid, and at once if it falls behind.
Lending & guarantors More from Bridge
Everyday payments, from the same wallet.
Members also get Bridge's payment services in the app, so the society becomes the place they manage all their money, not just their savings.
Transfers
Send to another member by account number, phone number or email, or pay out to any bank account. Save beneficiaries and set up recurring transfers.
Bill payments
Airtime, data, electricity, cable TV, water, school fees and more. Save a bill once, then pay it on a schedule, with a cap so a surprise bill is never paid automatically.
Vouchers
Send value as a code with a QR and a PIN: for one use, to spend in parts, or as cash to collect at an agent by someone without an account. Block a voucher at any time.
Escrow
Buying from someone you don't know? Bridge holds the money and releases it, stage by stage, only when both sides agree. Disputes go to named staff.
Offline transfers
Load an offline balance while connected, then pay phone to phone without signal (by tap, Bluetooth or QR), confirmed with a PIN. Payments settle when either phone reconnects.
Family pot
A separate pot for supporting family: record what you've promised each relative, pay them on a schedule, and see what you pledged against what you actually sent.
Salary account
A salary account to give your employer. Each pay day builds a record of income you can use, without sharing the exact amount.
For officers
One ledger. Your rules. Your approvals.
The app is a window onto the society's books, not a second system. Nothing a member does in it skips your bye-laws or your offices.
- Everything a member does in the app lands in your dashboard, in the same ledger
- Loans are still appraised and approved by your credit committee and board
- Your society chooses which features members can use
Security
Safe on a shared or lost phone.
Secure sign-in
A PIN or the phone's fingerprint or face unlock, with a one-time code on a new device.
Confirmation before money moves
Members confirm every payment, share purchase and guarantee before it is sent.
Lost phone? Locked out
An officer can sign a member out of every device from the dashboard.
Every member
Better with the app. Fine without it.
Not every member has a smartphone or wants one. The app adds a channel; it never takes one away.
Light on data
Built to work on a basic Android phone and a slow connection.
SMS still works
Members without the app keep receiving notices by SMS. Nothing is app-only.
Officers serve everyone
Members who prefer the counter, check-off or a phone call are served exactly as before.
Questions about the member app
When will the member app be available?
Soon. Societies that register now will be able to switch it on for their members as soon as it is released.
Do members pay for the app?
No. Members download it free.
Which phones does it work on?
Android and iPhone.
How do members join the app?
Your society sends each member an invitation by SMS or email. They verify their phone number and set a PIN; their accounts appear straight away.
Is the wallet the same as a savings account?
No. The wallet is the member's everyday account for paying and receiving. Savings and shares stay in the society under your bye-law rules; members move money into them from the wallet.
Does the society carry the risk of escrow, vouchers or offline payments?
Those services are run by Bridge on the member's wallet.
Can members apply for loans in the app?
Yes, if your society switches it on. Applications go through your credit committee exactly as they do today.
Set up your society on Bridge.
Register free, practise on sample data, and go live when you're ready. No sales call needed.
Free to set up and practise. You pay only once you're live.