Zimba Growth Savings: 10% p.a. Your savings unlock your advance.
Earn 10% annual returns and build the balance that unlocks Zimba Advance — up to UGX 5 million when you qualify, disbursed instantly to your mobile wallet. No year-long lock-ins. Just a 30-day cycle that rewards your consistency.
Why Zimba Growth Savings?
10% Annual Returns
Most banks offer 2–3.5%. Growth Savings pays 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).
Savings Unlock Zimba Advance
Grow your Growth Savings balance and access Zimba Advance when you qualify — up to UGX 5 million, 0% processing fee, declining-balance interest. Approved advances are disbursed instantly to your Zimba Wallet. The more you save, the more you can access.
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
Zimba Advance at a glance
Backed by Growth Savings. Access up to UGX 5 million when you qualify — disbursed instantly to your Zimba Wallet.
The more you save here, the more you can access. Your available amount appears in the app before you confirm.
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
Interest for the year 📱
Save UGX 5,000,000
Earn UGX 500,000
Towards your next goal ✈️
How to Open Growth Savings
- 1
Open a Zimba Wallet (if you don't have one)
- 2
Open the Zimba app and tap "Growth Savings"
- 3
Deposit a minimum of UGX 5,000
- 4
Your balance grows daily — save more to unlock more Zimba Advance access
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 access Zimba Advance?
Once you have a Growth Savings balance, you can access Zimba Advance — up to UGX 5 million, backed by your savings and disbursed instantly to your wallet.
How quickly is Zimba Advance disbursed?
Instantly. When your application is approved in the app, funds go straight to your Zimba Wallet — no branch visit, no waiting period.
Is there a minimum balance?
UGX 5,000 to open. No ongoing minimum. Keep depositing to unlock more Zimba Advance access.