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Money market funds, SACCOs, bank and mobile savings, and government securities, with rates, minimums and how to deposit. Save doesn't rank or recommend products; sort and filter to find what suits you.

Information only, not financial advice. Rates change; confirm with the provider.

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Showing 22 of 22

  • Britam Money Market Fund

    Britam Asset Managers (Kenya) Ltd

    Money market fundRegulated by CMABeing checked
    Rate not published
    Start with
    KES 1,000
    Money out
    Not stated
    Lock-in
    None ('without long-term commitments or penalties')
    Open to
    Individuals and groups
    Details, fees and how to deposit

  • Chumz (savings app)

    Moneto Ventures Ltd (app); money invested in Nabo Capital unit trusts

    Mobile savingsRegulated by CMABeing checked
    Rate not published
    Start with
    KES 5
    Money out
    Up to 2 working days (T&C); FAQ says within 48 hours excluding weekends/public holidays
    Lock-in
    None for regular goals; optional locked savings (put in Nabo KES Fixed Income Fund; TechCabal reports the 'Vault' locks for at least 9 months)
    Open to
    Individuals and groups
    Details, fees and how to deposit

  • CIC Money Market Fund

    CIC Asset Management (CIC Insurance Group)

    Money market fundRegulated by CMABeing checked
    8.43%effective annual yield (net of fees, before 15% withholding tax)Date not statedMay be outdated
    Start with
    KES 5,000
    Money out
    'At short notice' (exact days not stated)
    Lock-in
    None
    Open to
    Individuals
    Details, fees and how to deposit

  • Equitel My Goals

    Equity Bank Kenya (Equitel)

    Mobile savingsRegulated by CBKBeing checked
    Rate not published
    Start with
    Not stated
    Money out
    Per goal type: specific day of week, specific month, or 'virtual salary' instalments
    Lock-in
    Access restricted by goal type (day-of-week, month, or virtual salary)
    Open to
    Individuals
    Details, fees and how to deposit

  • KCB M-PESA Target Savings

    KCB Bank Kenya (with Safaricom M-PESA)

    Mobile savingsRegulated by CBKBeing checked
    6.30%interest p.a. (Target and Fixed Savings)Date not statedMay be outdated
    Start with
    KES 50
    Money out
    Withdraw to M-PESA from the KCB M-PESA menu (timing not stated)
    Lock-in
    Target term 1–12 months; early withdrawal allowed (except on opening/top-up day) with interest accrued to date
    Open to
    Individuals
    Details, fees and how to deposit

  • M-Shwari Lock Savings

    NCBA Bank Kenya (with Safaricom M-PESA)

    Mobile savingsRegulated by CBKBeing checked
    6.00%interest p.a., tiered: 3% (KES 1–20,000), 5% (20,001–50,000), 6% (above 50,000); figure shown is top tierDate not statedMay be outdated
    Start with
    KES 500
    Money out
    At maturity, moved to M-Shwari account; early withdrawal paid after 48 hours
    Lock-in
    1–6 months per Safaricom FAQ (NCBA key-facts PDF says 1–12 months)
    Open to
    Individuals
    Details, fees and how to deposit

  • Mali Money Market Fund (M-PESA)

    Safaricom PLC (fund managed by Genghis Capital Ltd)

    Money market fundRegulated by CMABeing checked
    11.49%effective annual yield for FY2023 (last official figure found)As of 31 Dec 2023May be outdated
    Start with
    KES 100
    Money out
    To M-PESA (min KES 10; KES 500,000 daily limit) — current processing not confirmed
    Lock-in
    None
    Open to
    Individuals

    Status unclear: reported closed to new sign-ups since 2025. Check with Safaricom before saving here.

    Details, fees and how to deposit

  • Mwalimu National Sacco – Member Deposits

    Mwalimu National DT Sacco Society Ltd

    SACCO savingsRegulated by SASRABeing checked
    10.05%interest on member deposits (FY2025, paid 2026)As of 31 Dec 2025May be outdated
    Start with
    Not stated
    Money out
    Not stated
    Lock-in
    Membership required (common bond: TSC/education-sector employees and relatives)
    Open to
    Individuals

    Membership is for teachers and education-sector staff.

    Details, fees and how to deposit

  • Old Mutual Money Market Fund

    Old Mutual Investment Group (Kenya)

    Money market fundRegulated by CMABeing checked
    10.13%effective annual rate (daily yield 9.72%)As of 10 Apr 2026May be outdated
    Start with
    KES 1,000
    Money out
    'Within a few days' (exact days not stated)
    Lock-in
    None
    Open to
    Individuals
    Details, fees and how to deposit

  • Stima Sacco – Member Deposits (BOSA)

    Stima DT Sacco Society Ltd

    SACCO savingsRegulated by SASRABeing checked
    11.00%interest/rebate on member deposits (FY2025, paid 2026)As of 31 Dec 2025May be outdated
    Start with
    Not stated
    Money out
    Not stated
    Lock-in
    Membership required; deposit withdrawal rules not stated on official page
    Open to
    Individuals and groups
    Details, fees and how to deposit

  • Tower Sacco – Member Deposits

    Tower Sacco Society Ltd

    SACCO savingsRegulated by SASRABeing checked
    13.00%rebate/interest on member deposits (FY2025, paid 2026)As of 31 Dec 2025May be outdated
    Start with
    KES 500
    Money out
    Not stated
    Lock-in
    Membership required; Premium Deposit Account withdrawals need 60-day notice (secondary source)
    Open to
    Individuals and groups
    Details, fees and how to deposit

  • Treasury Bills (91/182/364-day) via DhowCSD

    Central Bank of Kenya (for the National Treasury)

    Government securitiesRegulated by CBKBeing checked
    8.78%91-day T-bill average interest rate at auction (182-day 8.895%, 364-day 9.043%)As of 24 Sept 2026May be outdated
    Start with
    KES 50,000
    Money out
    Paid at maturity (91, 182 or 364 days)
    Lock-in
    Fixed term: 91, 182 or 364 days
    Open to
    Individuals
    Details, fees and how to deposit

  • Treasury Bonds via DhowCSD

    Central Bank of Kenya (for the National Treasury)

    Government securitiesRegulated by CBKBeing checked
    14.24%average interest rate accepted at latest bond auction (FXD1/2026/030, 30-year)As of 16 Sept 2026May be outdated
    Start with
    Not stated
    Money out
    Coupon paid semi-annually for most bonds; principal at maturity
    Lock-in
    Fixed term 1–30 years depending on bond
    Open to
    Individuals
    Details, fees and how to deposit

  • Ziidi Money Market Fund

    Safaricom PLC (fund managed by Standard Investment Bank)

    Money market fundRegulated by CMABeing checked
    Rate not published
    Start with
    KES 100
    Money out
    Instant to M-PESA (min KES 10; M-PESA daily limits apply); locked funds available 72 hours after unlocking
    Lock-in
    None (optional lock feature)
    Open to
    Individuals
    Details, fees and how to deposit