Zimba Growth Savings: 10% p.a. Your savings unlock your advance.

Earn 10% annual returns on your savings and build the collateral you need for a Zimba Advance loan. 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).

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

Interest for the year 📱

Save UGX 5,000,000

Earn UGX 500,000

Towards your next goal ✈️

💡 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

    Your balance grows daily, and your advance limit grows with it.

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.