Zimba Growth Savings — 10% p.a., Your Savings Unlock Your Loans

Earn 10% annual returns on your savings and build the collateral you need for a Zimba Advance loan. No lock tricks, no 12-month traps — just a 30-day discipline that rewards you.

Why Zimba Growth Savings?

10% Annual Returns

While banks give you 2–3.5%, your Growth Savings earn 10% p.a. — calculated daily and credited monthly. Your UGX 1M becomes UGX 1.1M in 12 months without lifting a finger.

30-Day Disciplined Lock

Withdrawals are locked for 30 days after each deposit — enough discipline to grow your pot, not enough to trap you. Early withdrawal means you forfeit interest earned (no extra penalties).

Your Savings = Your Loan Collateral

Grow your Growth Savings balance and unlock Zimba Advance — borrow up to 70% of your balance with 0% processing fee and fair declining-balance interest. The more you save, the more you can borrow.

Safe & Regulated

Licensed, regulated, and backed by proven core banking infrastructure. Your money is protected and earning every day.

Requirements

  • Minimum deposit: UGX 5,000
  • Valid ID (NIN or Passport)
  • Active Zimba Wallet account
  • 30-day lock per deposit cycle

Your Money Working Harder

10% p.a. — interest calculated daily

Save UGX 100,000

Earn UGX 10,000

in 12 months at 10% p.a.

Save UGX 1,000,000

Earn UGX 100,000

That's airtime for a year! 📱

Save UGX 5,000,000

Earn UGX 500,000

Vacation fund unlocked ✈️

💡 Maintain your balance for 3 months to unlock a Zimba Advance loan up to 70% of your balance.

How to Open Growth Savings

  1. 1

    Open a Zimba Wallet (if you don't have one)

  2. 2

    Open the Zimba app and tap "Growth Savings"

  3. 3

    Deposit a minimum of UGX 5,000

  4. 4

    Watch your balance grow daily — and unlock loans!

FAQs

Can I withdraw before 30 days?

Yes, but you forgo the interest earned in that cycle. No extra penalty fees.

How is interest calculated?

Interest is calculated daily at 10% p.a. on your balance and posted to your account monthly.

When can I apply for a Zimba Advance loan?

As soon as you have a Growth Savings balance, you can borrow up to 70% of it via Zimba Advance.

Is there a minimum balance?

UGX 5,000 to open. No ongoing minimum — just keep depositing to grow your loan limit.