Personalized goals

Save towards your personal goals.

Need to pay school fees or pay off debt? Looking to take your family on holiday or purchase a new appliance? Koa lets you set your own savings goals, and helps you reach them.

Set personal goals

We make sure you reach your goal

Koa has one objective, to make sure you reach your financial goals. We have built a set of features that make it easy for you to achieve your goals.

Once they are set, we will figure out how much you need to save each day, week or month and send reminders.

View how it works

Personalized  Goals

Set personal saving goals that matter to you. You could save for an upcoming trip or a save up for a big purchase

Top-up reminders

We help you break down your goals and send you daily, weekly or monthly reminders to deposit into them.

Track goal progress

We allow you to track the progress of your goal overtime and help you get back on track if you happen to stumble.

Watch your money grow

Depending on the goals you've set, you can earn up to 10% interest per annum on each KES you save. That means you'll earn more money, just by saving it with Koa.

Grow my money

Your money is safe and secure

We use bank-level security, 256-bit encryption, and work with partners who are vetted and approved by regulatory authorities in Kenya.

Trusted partners

Our financial partners have been vetted and are regulated by the Central Bank of Kenya and the Capital Market Authority.

Guaranteed Privacy

We will never sell or share your private information with any 3rd party vendor without your consent.

Bank level Security

We are not a bank but we use the same security measures as many international banks to protect your money.

Our trusted partners

Start saving, smarter

Download the Koa app today on your Android device or your iPhone to  start saving for the things that really matter to you

Frequently asked questions

Get some quick answers to some of our frequently asked questions. if you have more questions about our product contact our support staff below.

Contact Support

How much does saving on Koa cost?

Saving on Koa is completely free!

The only cost you will incur is topping up your Koa goals with Mpesa or via Bank Transfer. We do not charge any fees on your savings, we only focus on helping you grow your money and in achieving your financial goals.

What is the minimum deposit I can make?

The minimum deposit you can make is 1000 KES. However, your first deposit will have to be a minimum of 2500 KES. You can top-up at any time. 😃

Will I have access to my money?

You will always have access to your money. If you choose to save for a specific goal and not lock your account, you can withdraw this money at any time. If you choose to lock your goal when you create one, you will need to wait until maturity to access your money. In case you urgently need your money, you can withdraw the money but will lose any interest earned on your money saved with the specific goal and will be charged a 5% processing fee.