You own the businesses. Regulated partners run the rails.

Stratum is not a bank. Everyday banking, investments, wealth, insurance and credit are provided by licensed partner institutions — so your money is regulated and secure while your ownership stays with the members.

Regulated rails behind your ownership

Banking on partner bank rails

Transactional accounts, cards, payments and custody are provided by our licensed partner banks. Your funds are bank secured.

Investments & wealth

Unit trusts, retirement products and wealth advisory are offered through regulated partner providers alongside your ownership units.

Insurance & lending

Home loans from 7%, in-house vehicle finance and Stratum Insure cover are underwritten with licensed partners.

Partner bank products

Every layer of your financial life

Personal

Business

Bank, invest and own in one place.

Registering is the first step. Click Register to participate, get your membership ID and start owning where you shop.