Support

EKKO is a savings game for New Zealand. You compete with friends, hit a weekly savings target every Friday (Judgment Day), and win the prize pool. It also includes four free financial tools (Budget Builder, Savings Calculator, Real Hourly Rate, and Debt Slayer) that anyone can use without signing up.

All four tools are completely free, forever. No sign-up, no email, no payment card required. The savings game (Gold tier) has a weekly subscription fee, but the tools are always free.

Every Friday at 5:30pm NZT your Arena account balance is checked against the total you need to reach. If your balance meets or beats it, you survive. If not, a lifeline is consumed. You have three lifelines per game. Lose all three and you're eliminated.

It is the running total of every weekly target since your game started. It never goes down, even if you miss a week. Each week it climbs by that week's target. This is the number your Arena balance has to reach or beat to survive Judgment Day.

Your starting target is 5% of what you have left each week after the essentials. Each week it rises by 2%. If you miss daily check-ins during a week, it may rise a little more. What you have left is read from your connected bank through Akahu — EKKO never estimates or guesses it.

Yes. EKKO uses Akahu, a CDR-accredited open banking intermediary. You authenticate directly with your bank through Akahu's interface — EKKO never sees your bank login credentials. Your Akahu token is encrypted at rest using AES-256-GCM and is never logged or exposed to client code.

No. EKKO is non-custodial. Your money never moves into an EKKO account. Your Arena and Stash are your own bank accounts that you designate. EKKO reads the balance — it does not touch the funds.

EKKO never retains any portion of the prize pool under any outcome. The full pool is distributed to winners. The exact distribution formula is detailed in the Game Rules.

Yes. You can close your account at any time from the Account settings page. Personal information is removed within 30 days. Game history is retained for 7 years for dispute resolution as required by law.

If Akahu is unavailable at 5:30pm NZT, EKKO retries every 30 minutes for up to 4 hours. If it's still unavailable after that, the week is skipped — the total you need to reach still advances, but no lifelines are consumed. All affected players are notified.

You can cancel at any time from the Billing page inside the app. Your subscription remains active until the end of the current billing period.

Email us at chow@ekko.nz. We aim to respond within 2 working days.