NisSave

Getting started is simple:

1. Download the NisSave app (Google Play or App Store)
2. Register with your phone number and ID
3. Verify your account (takes 2-3 minutes)
4. Create your first savings goal
5. Start saving via M-Pesa anytime

No paperwork. No bank visits. Start in under 5 minutes.

There are no limits! Save as little as KES 50 or as much as you want. Most families start with:

• KES 500 – 2,000 per week for school fees
• KES 100 – 500 per week for emergency funds
• Custom amounts based on your goals and income

The platform grows with you—from hundreds to millions of shillings.

Yes! Your money is always accessible. Withdrawals go directly to your M-Pesa within minutes. There’s a small KES 10 withdrawal fee.

Optional commitment features: Some users choose to “lock” savings for specific periods to help them stay disciplined, but this is completely voluntary. You’re always in control.

Multiple ways to save:

• M-Pesa Paybill – Send money to your unique NisSave number anytime
• Automatic Savings – Set up scheduled transfers (daily, weekly, monthly)
• Round-Up Savings – Automatically save spare change from M-Pesa transactions
• Bulk Deposits – Add lump sums from bonuses or gifts

All deposits reflect instantly in your account.

Yes! NisSave offers competitive interest rates on all balances:

• Standard accounts: Calculated daily, paid monthly
• Premium accounts: Higher rates for members
• Locked savings: Bonus interest for voluntary commitment periods

Interest rates are transparent and clearly displayed in your account.

Absolutely! Create unlimited savings goals:

• Primary school fees
• Secondary school fees
• University fund
• Emergency fund
• School supplies
• Family events
• Business capital

Track each goal separately with individual progress bars and timelines.

A digital chama is an online savings group where:

• Members contribute via M-Pesa on their own schedule
• All transactions are automatically tracked (no notebooks!)
• Everyone sees who’s paid and current balances
• Group leaders have admin controls
• You can approve loans or withdrawals digitally
• No need for physical meetings (though you can still have them!)

It combines the accountability of traditional chamas with the convenience of digital tools.

Your account is protected:

• Login from any device with your phone number and PIN
• Two-factor authentication for security
• Biometric login (fingerprint/face ID) on new device
• Contact support immediately to secure your account
• Your money remains safe in your account

Yes! Diaspora Kenyans can:

• Download the app from anywhere in the world
• Fund accounts via international payment methods (coming soon)
• Currently: send money via M-Pesa from Kenya contacts
• Monitor family members’ education savings
• Set up savings for children/relatives back home

Full international payment integration is coming in 2025.