Personal Savings Account
Earn 10% p.a. on your savings with Zimba Growth Savings. No monthly fees, 30-day disciplined lock, and your balance unlocks savings-backed loans with 0% processing fee.
Why Save with Zimba?
10% Annual Returns
With Zimba Growth Savings, your UGX 1M becomes UGX 1.1M in just 12 months. Interest is calculated daily and credited monthly.
Savings Unlock Loans
Build your Growth Savings balance and borrow up to 70% of it via Zimba Advance — 0% processing fee, declining balance interest.
30-Day Disciplined Lock
Deposits lock for 30 days — enough to build savings discipline, not enough to trap you. Early exit? You only forfeit interest earned, no extra fees.
Your Money is Safe
Bank-grade security, licensed by Uganda authorities, and backed by Ensibuuko's proven infrastructure.
Savings Options
See Your Money Grow
10% p.a. — calculated daily
Save UGX 100,000
Earn UGX 10,000/year
with Growth Savings at 10% p.a.
Save UGX 1,000,000
Earn UGX 100,000/year
That's airtime for a year! 📱
Save UGX 500,000 → borrow
Up to UGX 350,000
via Zimba Advance, 0% processing fee ⚡
How to Get Started
- 1
Download the Zimba app or join online
- 2
Complete quick verification (NIN or passport)
- 3
Deposit min UGX 5,000 via mobile money
- 4
Start earning 10% p.a. immediately!
FAQs
Is my money safe?
Yes. We're licensed and regulated, with bank-grade security.
Can I withdraw anytime?
Zimba Wallet: yes, anytime. Growth Savings: after the 30-day lock (forfeiting earned interest if early).
What's the minimum deposit?
UGX 5,000 for Zimba Growth Savings. Zimba Wallet has no minimum.
When can I get a loan?
As soon as you have a Growth Savings balance — borrow up to 70% instantly via Zimba Advance.