Partners & Products
Vetted, regulated financial products for Kenyans. Filter by type, or follow your personalised recommendation from the 5-question journey.
Ziidi Money Market Fund
M-PESA app or *334# — from Ksh 100, no separate onboarding
Ksh 100
min entry
Withdraw to M-PESA, no fee
liquidity
Britam Money Market Fund
Long-established fund; contribute by M-Pesa from the Britam app
Ksh 1,000
min entry
Confirm withdrawal terms with the manager
liquidity
CIC Money Market Fund
Large, established co-operative-linked fund
Ksh 5,000
min entry
Confirm withdrawal terms with the manager
liquidity
Nabo Capital Money Market Fund
Formerly Centum Asset Managers; now majority-owned by Rock Investment Bank
Confirm withdrawal terms with the manager
liquidity
ICEA Lion Money Market Fund
Pan-Africa insurer; strong institutional credentials
Confirm withdrawal terms with the manager
liquidity
Sanlam Money Market Fund
USSD access makes it easy from any phone
Ksh 2,500
min entry
Confirm withdrawal terms with the manager
liquidity
Old Mutual Money Market Fund
Backed by one of Africa's largest insurers
Ksh 1,000
min entry
Confirm withdrawal terms with the manager
liquidity
Zimele Fixed Income Fund (Savings Plan)
Low minimum entry; long-standing retail fund
Ksh 100
min entry
Confirm withdrawal terms with the manager
liquidity
Etica Capital Money Market Fund
No lock-in period; interest compounds daily
Ksh 100
min entry
Confirm withdrawal terms with the manager
liquidity
No verified sign-up link yet — search for Etica Capital Money Market Fund or ask your bank. The rate and minimum above are from the 2026-07-31 survey.
Lofty-Corban Money Market Fund
Independent manager; CMA-licensed
Ksh 1,000
min entry
Confirm withdrawal terms with the manager
liquidity
No verified sign-up link yet — search for Lofty-Corban Money Market Fund or ask your bank. The rate and minimum above are from the 2026-07-31 survey.
Cytonn Money Market Fund
Long-running fund from an independent manager
Ksh 1,000
min entry
Confirm withdrawal terms with the manager
liquidity
No verified sign-up link yet — search for Cytonn Money Market Fund or ask your bank. The rate and minimum above are from the 2026-07-31 survey.
NCBA Fixed Income Fund (Shilling)
Bank-backed; reclassified as a fixed income fund
Ksh 1,000
min entry
Confirm withdrawal terms with the manager
liquidity
No verified sign-up link yet — search for NCBA Fixed Income Fund (Shilling) or ask your bank. The rate and minimum above are from the 2026-07-31 survey.
KCB Money Market Fund
Bank-backed, with branch support countrywide
Ksh 5,000
min entry
Confirm withdrawal terms with the manager
liquidity
No verified sign-up link yet — search for KCB Money Market Fund or ask your bank. The rate and minimum above are from the 2026-07-31 survey.
Dry Associates Money Market Fund
Independent manager with a long fixed-income record
Confirm withdrawal terms with the manager
liquidity
No verified sign-up link yet — search for Dry Associates Money Market Fund or ask your bank. The rate and minimum above are from the 2026-07-31 survey.
CBK DhowCSD T-Bills
~7.7%
yield p.a.
Government-backed; competitive sovereign yield
Ksh 50,000
min entry
91 / 182 / 364-day terms
liquidity
CBK Infrastructure Bond (IFB)
Coupons are free of withholding tax
Ksh 50,000
min entry
Locked to term; secondary market available
liquidity
Stima Sacco
~13.0%
dividends p.a.
3× deposit multiplier; strong dividend history
Ksh 1,000
min entry
30–60 day notice on withdrawals
liquidity
Paid on share capital — member deposits earn a separate, lower rate.
⚠ No operational deposit guarantee — see the directory notes.
Safaricom Sacco
~11.0%
dividends p.a.
Low entry; telco-sector membership open to many
Ksh 500
min entry
30-day notice on withdrawals
liquidity
Paid on share capital — member deposits earn a separate, lower rate.
⚠ No operational deposit guarantee — see the directory notes.
Mwalimu National Sacco
~10.0%
dividends p.a.
Kenya's largest Sacco by deposits; educators and beyond
Ksh 1,000
min entry
30–60 day notice on withdrawals
liquidity
Paid on share capital — member deposits earn a separate, lower rate.
⚠ No operational deposit guarantee — see the directory notes.
Enwealth Financial Services
Individual pension plan with flexible contributions
Preserved until retirement (tax advantages)
liquidity
CPF Financial Services
One of Kenya's oldest independent pension administrators
Preserved until retirement (tax advantages)
liquidity
Britam Afya Pension
Post-retirement medical savings from an established insurer
Preserved for medical costs in retirement; withdrawals for treatment are tax-exempt
liquidity
CPF Post-Retirement Medical Scheme
Open to the self-employed, not only to employees
Preserved for medical costs in retirement; withdrawals for treatment are tax-exempt
liquidity
About this directory
- All products listed are regulated by CMA, CBK, SASRA, or RBA — always confirm current regulatory status before investing.
- Yields and dividends shown are approximate and change frequently. Verify the current rate directly with the provider before committing any funds.
- JiPange does not currently receive referral fees from any listed provider unless marked ★ Partner.
- SACCO deposits are not currently guaranteed. The Sacco Societies Act provides for a Deposit Guarantee Fund of up to Ksh 100,000 per member — on deposits, not on shares — but it is not yet operational; the Sacco Societies (Amendment) Bill 2025 seeks to activate it. Bank deposits have KDIC cover today and SACCO deposits do not, which is a difference no yield figure shows.
- SACCO dividends are declared once a year at an AGM out of a surplus that has not been earned yet, so a past rate is history rather than a rate on offer. The figures here are dated 2025-12-31 and sit inside the 8–15% range SASRA reports for the sector. Source: SASRA Supervision Annual Report and Quarterly Statistical & Soundness Reports to Q4 2025.
- This is a curated information directory — not financial advice or an endorsement.