High-yield savings & fixed deposit accounts in Kenya: earn up to 16.5% p.a.
Grow your wealth and earn up to 16.5% p.a. Deposit directly via M-Pesa, withdraw from your Stash anytime and pay zero account maintenance fees. KDIC-insured.
Different ways to grow your money
Earn up to 16.5% p.a. on a 12 month fixed deposit
Flexible daily savings stash
Earn daily interest, start from as little as Ksh 50 and make instant M-Pesa withdrawals
Fixed term deposit
Lock from Ksh 5,000 for 1 to 12 months. Earn up to 16.5% p.a. when you lock your savings for one year.
We're Licensed. Regulated. Trusted
Umba Microfinance Bank is fully licensed by the Central Bank of Kenya (CBK) and our deposits are insured by the Kenya Deposit Insurance Corporation (KDIC).
Deposits insured by
What you'll need
To access high interest savings account, you will need to have:
Frequently Asked Questions
Your savings and fixed deposit questions, answered
For our Stash account, earn up to 5% interest p.a. with no minimum balance required. You can earn up to 16.5% per annum on your Umba Savings account, starting with as little as Ksh. 5,000.
A Savings account gives you instant access to your money while it earns interest. A Fixed Deposit locks your funds for an agreed term in exchange for a higher interest rate.
Yes, you can make an early withdrawal and keep the interest accrued so far.
For the Umba Stash account there is no minimum deposit required. For the Fixed Deposit account you can start with as little as Ksh. 5,000.
Yes. Umba Kenya is fully licensed by the Central Bank of Kenya (CBK), and deposits are insured by the Kenya Deposit Insurance Corporation (KDIC).
You need your KRA PIN, a passport photo, and your National ID or international passport. You can open an account from your phone in the Umba app, with no branch visit.
Still have questions?
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