SAVE · PERSONAL · KES
Save from one shilling.Watch it earn, every day.
No minimum, no monthly fee, no lock-in. Interest accrues daily and posts to your Save; the rate is published on the dashboard before you join and every time it changes.
What you get
Minimum depositMinimum deposit: one shillingno minimum balance
Monthly feeMonthly fee: zero shillingsand no joining fee
InterestInterest: [rate] % p.a. · daily accrualdaily accrual · published on /own
Deposit from M-PesaDeposit from M-Pesa: zero shillingssettles in seconds · ref on every row
verifiable: /own › Pricing · /own › Balance sheet (member deposits)
How it works
Your number is your account
Join with your phone number and an OTP. Verify your ID in the app when you want to withdraw more than the basic limit.
Put in any amount
From M-Pesa in the app, or dial *384*7# › 1 on any phone. Every deposit gets a reference you can quote.
It earns from day one
Interest accrues daily and posts monthly, with the calculation shown line by line. Your statement is in the app on the 1st.
Take it out when you need it
To your M-Pesa in seconds. The first withdrawal to a new number waits 24 hours — a hold you can cancel, not a lock.
Rules you can hold us to
- Where does my money sit?
- With Pepea Sacco Society Ltd under SASRA rules; money in transit to and from M-Pesa sits in segregated trust accounts. Pepea Technologies Ltd never holds it. See /trust.
- Is it covered?
- Private deposit cover with [provider] up to KES [limit] per member until a statutory fund covers SACCO members. Share capital is not covered — it is ownership.
- Can the rate change?
- Yes — and only by board decision, posted on /own › Pricing with the date before it applies. Your statement shows the rate that applied each month.
- What about dollars?
- Open a USD Save beside your local one. Dollars are custodied by BacBon under its CBK VASP licence; conversion at one published spread. Nothing in local currency depends on it.