This is a account that allows you to make as many transactions as possible with low charges.


  • Access to an ATM card
  • Access to mobile banking
  • No monthly maintenance charge


  • Opening balance of Kshs. 500
  • Copy of ID/Passport
  • 2 passport photographs
  • PIN certificate

This is a savings account that allows you and your chama to save money and earn interest on the same. To open the account you will require to have a minimum of 10 members.

Tiered Interest Rates

  • Above 5,000 to 100,000 - 5% p.a
  • From 100,001 to 2,000,0000 - 6% p.a
  • Above 2,000,000 - 7 % p.a


  • A registration certificate for registered groups
  • Minutes for a joint account; for groups below 15 members
  • Group by laws/constitution
  • The account can be opened at zero balance but funded to a minimum of Kshs. 5,000 in the 6 weeks count down
  • Photos of the signatories


  • No monthly maintenance charges
  • You can borrow up to five times of the group savings, to buy an asset
  • Interest earning
  • The group can give notice if they want to withdraw