Let’s get you the best investment
in minutes
Savings, investments, insurance and pensions in one place — every cost and every catch in plain words, kept current. No agents, no commissions. How we check
Compare like with like
All 15 comparisonsAll 96 plans
Bima Ya Mwananchi Medical Cover
BritamHealth cover. Pays hospital and clinic bills for a year at a time.
From KES 4,600/yrPays KES 75,000Dearest level: KES 15,500 for a 500,000 limitInfrastructure Bond IFB1/2019/016
Central Bank of KenyaInfrastructure bond. A government bond that funds roads, power and water. It works like any other Treasury bond except the interest is not taxed.
From KES 50,000Leave any timeInterest not taxedNone. Infrastructure bonds are exempt.Paid back early: 50% of what you lent, before maturityInfrastructure Bond IFB1/2021/018
Central Bank of KenyaInfrastructure bond. A government bond that funds roads, power and water. It works like any other Treasury bond except the interest is not taxed.
From KES 50,000Leave any timeInterest not taxedNone. Infrastructure bonds are exempt.Paid back early: 50% of what you lent, before maturityInfrastructure Bond IFB1/2021/021
Central Bank of KenyaInfrastructure bond. A government bond that funds roads, power and water. It works like any other Treasury bond except the interest is not taxed.
From KES 50,000Leave any timeInterest not taxedNone. Infrastructure bonds are exempt.Paid back early: 50% of what you lent, before maturityJ-Care Health Cover
Jubilee Health InsuranceHealth cover. Pays hospital and clinic bills for a year at a time.
From KES 21,316/yrPays KES 500,000Outpatient: KES 26,555 more, for a 50,000 limitMansa-X Special Fund (KES)
Standard Investment BankSpecial fund. Wider powers than an ordinary fund. Global markets, several asset classes, sometimes derivatives.
From KES 250,000 to startCash in 3 daysNothing back for 6 monthsYearly charge: 5%, plus 10% above a 25% returnComprehensive Car Insurance
Sanlam General InsuranceCar insurance. Covers your car and other people for a year at a time.
From KES 52,100/yrWhat it costs: 4.25% of your car's valueKES 37,500 + 6,500 AA + 8,100 courtesy carTreasury Bill, 182 days
Central Bank of KenyaTreasury bill. You lend to the government for a year or less. You buy below face value and are paid the full amount at the end; the difference is your interest.
From KES 50,000Leave any time15% tax on interestTax on the interest: 15% withholding taxTreasury Bill, 364 days
Central Bank of KenyaTreasury bill. You lend to the government for a year or less. You buy below face value and are paid the full amount at the end; the difference is your interest.
From KES 50,000Leave any time15% tax on interestTax on the interest: 15% withholding taxTreasury Bill, 91 days
Central Bank of KenyaTreasury bill. You lend to the government for a year or less. You buy below face value and are paid the full amount at the end; the difference is your interest.
From KES 50,000Leave any time15% tax on interestTax on the interest: 15% withholding taxEtica Special Multi-Asset Fund (KES)
Etica CapitalSpecial fund. Wider powers than an ordinary fund. Global markets, several asset classes, sometimes derivatives.
From KES 250,000 to startNothing back for 6 monthsEvery charge: Up to 5.40% a yearEtica Money Market Fund (KES)
Etica CapitalMoney market fund. Your money is lent out short term. Safe and easy to reach, grows slowly.
From KES 100 to startLeave any timeEvery charge: Up to 2.34% a yearLivestock Insurance
Old Mutual General Insurance KenyaLivestock cover. Pays out if insured animals die from disease, accident or drought.
From KES 3,000/yr4% to 9% of what the animal is worth, each yearKES 3,000 to 5,000, depending on the animalsMansa-X Special Fund (USD)
Standard Investment BankSpecial fund. Wider powers than an ordinary fund. Global markets, several asset classes, sometimes derivatives.
From USD 2,500 to startCash in 3 daysNothing back for 6 monthsYearly charge: 5%, plus 10% above a 15% returnSold in: US dollarsEtica Money Market Fund (USD)
Etica CapitalMoney market fund. Your money is lent out short term. Safe and easy to reach, grows slowly.
From USD 100 to startCash in 3 daysNothing back for 1 monthCharges not publishedSold in: US dollars, from USD 1006.99% in the banner, 6.26% lower down the same pageOld Mutual Balanced Fund
Old Mutual Investment GroupMixed fund. Split between shares and loans. Aims to grow faster without the biggest risks.
From KES 5,000 to startCash in 1 dayLeave any timeCharges not published35.1% net to September 2025, the latest sheet publishedGetting out: Next working day; KES 480 minimumMadison Money Market Fund
Madison Investment ManagersMoney market fund. Your money is lent out short term. Safe and easy to reach, grows slowly.
From KES 5,000 to startCash in 1 dayLeave any timeCharges not publishedBritam Bond Plus Fund
Britam Asset ManagersBond fund. Your money is lent to the government or big companies for a fixed return.
From KES 1,000 to startCash in 2 daysNothing back for 0.5 monthsCharges not publishedOld Mutual Equity Fund
Old Mutual Investment GroupShare fund. Buys shares in companies for you. Can grow a lot, can also fall a lot.
From KES 5,000 to startCash in 1 dayLeave any timeCharges not published44.8% to September 2025, the latest sheet publishedGetting out: Next working day; KES 480 minimumE.A.Cables PLC
E.A.Cables PLCShares in a listed company. You own a piece of the company. The price moves every day, and you are paid a dividend only in the years the company declares one.
Listed on: The Nairobi Securities Exchange, as CABLWhat it pays: Nothing while it is in administrationCIC Balanced Fund
CIC Asset ManagementMixed fund. Split between shares and loans. Aims to grow faster without the biggest risks.
From KES 5,000 to startCharges not publishedFahari Retirement Plan
ZamaraPersonal pension. You save for retirement in your own name, with a tax break, and cannot touch it until you retire.
Cost not publishedLeave any time5% a year, guaranteed, capital guaranteedWhat it costs: 2% a year plus VAT, off the interestGetting money out: Any time, for KES 45 to 225 a goTower Sacco Membership
Tower SaccoSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 500/moNothing back for 2 monthsCharges not published13%, proposed after the year endedPaid on shares for 2025: 20%, the same as 2024Only by leaving, on 60 days' noticeCIC Fixed Income Fund
CIC Asset ManagementBond fund. Your money is lent to the government or big companies for a fixed return.
From KES 1,000,000 to startCharges not publishedWay in: KES 1,000,000 to start, KES 100,000 a top-upYield, June 2026: 10.20%; 10.54% average over 2025Travel Insurance
Sanlam General InsuranceTravel cover. Medical bills, cancellation and lost bags while you are away from home.
Cost not publishedPays USD 500,000Charges not publishedUp to USD 500,000, or USD 80,000 on the Schengen planWho can be covered: Ages 0 to 69CIC Equity Fund
CIC Asset ManagementShare fund. Buys shares in companies for you. Can grow a lot, can also fall a lot.
From KES 5,000 to startCharges not publishedLast year: 44.94% to June 2026; 13.43% a year over fiveRisk: High, by the fact sheet's own labelKCB Money Market Fund
KCB Asset ManagementMoney market fund. Your money is lent out short term. Safe and easy to reach, grows slowly.
From KES 5,000 to startCash in 2 daysLeave any timeCharges not publishedRate last updated: July 2024, on KCB's own pageMoney out in: 2 working daysMhasibu DT Sacco Membership
Mhasibu DT Sacco Society LtdSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 3,000/moMonthly deposit: At least KES 3,000.Home Insurance
Sanlam General InsuranceHome cover. Your building and what is inside it, against fire, theft and storm damage.
Cost not publishedCharges not publishedCosts you KES 2,500. Other contents cost KES 1,000Sheria Sacco Membership
Sheria SaccoSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 20,000 to startNothing back for 2 monthsCharges not publishedPaid on deposits for 2024: 11%, up from 9.5% in 2023Paid on shares for 2024: 16%, the same as 2023Harambee Sacco Membership
Harambee DT SaccoSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 30,000 to startCharges not publishedPaid on deposits for 2024: 9%, pro rata by monthPaid on shares for 2024: 15%Every month, on top of savings: KES 300 to the sink fundHazina Sacco Membership
Hazina SaccoSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 1,000/moNothing back for 2 monthsCharges not publishedDeclared rates: Not published on the pages readEvery month, on top: KES 200 to the welfare fundKimisitu Sacco Membership
Kimisitu DT SaccoSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 2,000/moNothing back for 2 monthsCharges not publishedDeclared rates: Not published on its siteDTB Zawadi Savings Account
Diamond Trust Bank Kenya LtdBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 1,000 to startInterest credit frequency: Half-yearlyNot published on the website; bank says contact branch.Fixed Deposit Account
NCBA Bank Kenya PLCFixed deposit. You lock a lump sum away for a set period at a rate agreed on the day. You cannot add to it, and taking it out early costs you interest.
From KES 100,00015% tax on interestMinimum deposit: KES 100,000High Yield Deposit Account
NCBA Bank Kenya PLCFixed deposit. You lock a lump sum away for a set period at a rate agreed on the day. You cannot add to it, and taking it out early costs you interest.
From KES 1,000,00015% tax on interestMinimum deposit: KES 1,000,000Term options: 1, 2 or 3 yearsTujenge Account
Family Bank LimitedBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 200 to startMonthly fee: Nil monthly ledger fee.Fixed Deposit Savings Account
Absa Bank Kenya PLCFixed deposit. You lock a lump sum away for a set period at a rate agreed on the day. You cannot add to it, and taking it out early costs you interest.
From KES 50,00015% tax on interestCharges not publishedLa Riba Fixed Deposit Account
Absa Bank Kenya PLCFixed deposit. You lock a lump sum away for a set period at a rate agreed on the day. You cannot add to it, and taking it out early costs you interest.
From KES 50,00015% tax on interestCharges not publishedKenya National Police Sacco Membership
Kenya National Police DT SaccoSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 50,000 to startCharges not publishedPaid on deposits for 2024: 11%, the same as 2023Paid on shares for 2024: 17%, the same as 2023Stima Sacco Membership
Stima DT SaccoSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 25,000 to startCharges not published11%, declared after the year ended16%, declared after the year endedWaumini Sacco Membership
Waumini SaccoSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 1,000/moCharges not publishedEvery month, on top: KES 100 to the insurance risk fundDeclared rates: Not published on any page readAbsa Digital Savings Account
Absa Bank Kenya PLCBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 0 to startMonthly fee: No service charges applicable.Foreign Currency Savings Account
Absa Bank Kenya PLCBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From USD 0 to startMonthly fee: No charges applicable.DTB Just for Me Account
Diamond Trust Bank Kenya LtdBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 0 to startFree withdrawals: Up to 4 per yearDTB Savings Account
Diamond Trust Bank Kenya LtdBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 0 to startInterest credit frequency: Half-yearlyNot published on the website; bank says contact branch.Mdosi Junior Account
Family Bank LimitedBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 200 to startMonthly fee: Nil monthly ledger fee.Ardhi Sacco Membership
Ardhi Sacco Society LtdSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 3,000/moListed as a deposit-taking SACCO by SASRA for 2026At least 250 shares of KSh 20 each (minimum KSh 5,000).Nacico Sacco Membership
Nacico Sacco Society LtdSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 3,000/moJoining fee: KES 400 one-offMinimum monthly deposit: KES 3,000Benevolent fund: KES 250 per monthICEA LION Fixed Income Fund
ICEA LION Asset ManagementBond fund. Your money is lent to the government or big companies for a fixed return.
From KES 500 to startCash in 3 daysLeave any timeCharges not publishedWay in: KES 500; top up from KES 100Getting out: Any time; money within 3 business daysReturns: Not published on the pageFixed Deposit Account
The Co-operative Bank of Kenya LtdFixed deposit. You lock a lump sum away for a set period at a rate agreed on the day. You cannot add to it, and taking it out early costs you interest.
From KES 50,00015% tax on interestCharges not publishedTerm options: 1 to 12 monthsKCB M-PESA Fixed Savings
KCB Bank KenyaFixed deposit. You lock a lump sum away for a set period at a rate agreed on the day. You cannot add to it, and taking it out early costs you interest.
From KES 50015% tax on interestKCB markets “over 8.5% p.a.” (no public rate card).Absa Junior Savings Account
Absa Bank Kenya PLCBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 0 to startHekima Savings Account
The Co-operative Bank of Kenya LtdBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 0 to startInterest calculation: Calculated daily, paid quarterlyOnly one withdrawal per calendar quarterJumbo Junior (Children’s Account)
The Co-operative Bank of Kenya LtdBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 500 to startInterest: Interest rate up to 6% (tiers not published)Balances: Minimum opening/operating balance KES 500ICEA LION Balanced Fund
ICEA LION Asset ManagementMixed fund. Split between shares and loans. Aims to grow faster without the biggest risks.
From KES 500 to startLeave any timeCharges not publishedWay in: KES 500; no minimum top-upReturns: Not published on the pageAcumen DT Sacco Society Limited Membership
Acumen DT Sacco Society LimitedSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 2,000/moNothing back for 2 monthsCharges not publishedKES 2,000 per month (Deposit Savings).Unaitas Sacco Membership
Unaitas SaccoSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
Cost not publishedCharges not publishedNot stated anywhere in the report or on the pages readLivestock Cover
APA InsuranceLivestock cover. Pays out if insured animals die from disease, accident or drought.
From KES 5,000/yrCharges not publishedWhat it costs not publishedIndividual Retirement Plan
Britam Life AssurancePersonal pension. You save for retirement in your own name, with a tax break, and cannot touch it until you retire.
From KES 500/moCharges not published5% a year, compounded, and the pot cannot shrinkDTB Prime USD/EUR/GBP Savings Account
Diamond Trust Bank Kenya LtdBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
Cost not publishedPersonal Retirement Scheme
ICEA LION Life AssurancePersonal pension. You save for retirement in your own name, with a tax break, and cannot touch it until you retire.
From KES 500/moCharges not published4% a year, guaranteed, credited dailyPersonal Pension Plan
Jubilee Life InsurancePersonal pension. You save for retirement in your own name, with a tax break, and cannot touch it until you retire.
Cost not publishedCharges not published4% a year, guaranteed, with the capital guaranteed too9.5%, as cited in the scheme's own AGM minutesFixed Deposit Account
KCB Bank KenyaFixed deposit. You lock a lump sum away for a set period at a rate agreed on the day. You cannot add to it, and taking it out early costs you interest.
From KES 50,00015% tax on interestTerm options: 1 day to 12 months.If you break early you forfeit all accrued interest.Goal Savings Account
KCB Bank KenyaBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 1,000 to startSavings period: Lock savings for 6 months to 5 years.Simba Savings Account
KCB Bank KenyaBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 1,000 to startInterest: Up to 7% per year (paid on savings).Withdrawals: Only one withdrawal a month.Wanandege Sacco Membership
Wanandege Sacco Society LtdSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 50,000 to startListed as a deposit-taking SACCO by SASRA for 2026Minimum share capital: KES 50,000 to be a full memberGold Savings Account
NCBA Bank Kenya PLCBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
Cost not publishedMinimum operating balance: KES 2,000Minimum interest-earning balance: KES 5,000Junior Savings Account
NCBA Bank Kenya PLCBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
Cost not publishedMinimum operating balance: KES 2,000Minimum interest-earning balance: KES 5,000Premier Savings Account
NCBA Bank Kenya PLCBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
Cost not publishedMinimum operating balance: KES 100,0002NK Sacco Membership
2NK Sacco Society LtdSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 2,000 to startCharges not publishedKSh 2,000 — set by AGM 2024 minutesKSh 5,000 — set by AGM 2024 minutesCub Account
KCB Bank KenyaBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 1,000 to startEarn up to 7% interest per year on your savings.Jijenge Account
Equity Bank (Kenya) LimitedBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 300/moJipange Plus Pension Plan
CIC Life AssurancePersonal pension. You save for retirement in your own name, with a tax break, and cannot touch it until you retire.
Cost not publishedCharges not publishedThe least it can earn: 5% a year, guaranteedIRA, KRA and RBA, by the brochure's own wordsEazzySave Account
Equity Bank (Kenya) LimitedBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
Cost not publishedMinimum operating balance: No minimum operating balance.Ndovu Fund
Ndovu WealthMoney market fund. Your money is lent out short term. Safe and easy to reach, grows slowly.
From KES 500 to startCharges not publishedWhat the fund pays not publishedPutting money in and out: FreeSmart Save Insurance Plan
Jubilee Life InsuranceSavings plan with life cover. You save for a fixed number of years. Life cover comes bundled in.
From KES 2,000/moNothing back for 2 yearsPays KES 200,000Charges not publishedSmart Scholar
Jubilee Life InsuranceSchool fees plan. A long savings plan for school fees, with life cover attached.
From KES 2,000/moNothing back for 2 yearsPays KES 200,000Charges not publishedLa Riba Al Hadaf Savings
Absa Bank Kenya PLCBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
Cost not publishedMonthly fee: No monthly maintenance fee.La Riba Junior Savings
Absa Bank Kenya PLCBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
Cost not publishedMonthly fee: No monthly maintenance fee.Call Deposit Account
Stanbic Bank KenyaBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 20,000 to startCrop Cover
APA InsuranceCrop cover. Pays out when drought, flood, pests or disease cut a harvest.
Cost not publishedCharges not publishedWhat it costs not publishedNCBA Money Market Fund (USD)
NCBA Investment BankMoney market fund. Your money is lent out short term. Safe and easy to reach, grows slowly.
From USD 100 to startCash in 2 daysCharges not publishedSold in: US dollars, from USD 100Bandari Sacco Membership
Bandari Sacco Society LtdSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
From KES 1,500/moCharges not publishedListed as a deposit-taking SACCO by SASRA for 2026Imarisha Sacco Membership
Imarisha Sacco Society LtdSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
Cost not publishedCharges not publishedListed as a deposit-taking SACCO by SASRA for 2026Not published in SASRA's licence registerPureSave Account
Stanbic Bank KenyaBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
From KES 5,000 to startCharges not published1 over-the-counter cash withdrawal is free each monthInterest pays on balances above: KES 5,000+Mwalimu National Sacco Membership
Mwalimu National DT SaccoSACCO membership. A member-owned co-op. You buy shares and save monthly; returns are declared each year from the surplus, not promised in advance.
Cost not publishedCharges not publishedAnnual reports: Its annual-reports page lists noneICEA LION Money Market Fund
ICEA LION Asset ManagementMoney market fund. Your money is lent out short term. Safe and easy to reach, grows slowly.
From KES 500 to startCharges not publishedWhat it takes to start: KES 500NCBA Money Market Fund
NCBA Investment BankMoney market fund. Your money is lent out short term. Safe and easy to reach, grows slowly.
From KES 1,000 to startCash in 1 dayCharges not publishedTimiza Goal Savings Account
Absa Bank Kenya PLCBank savings account. Money you can add to and take out. The bank pays interest it can change at any time, and usually charges a fee each month for holding the account.
Cost not publishedCharges not published6% per year, paid quarterly into your wallet/account.Britam Money Market Fund
Britam Asset ManagersMoney market fund. Your money is lent out short term. Safe and easy to reach, grows slowly.
Cost not publishedCharges not publishedBranch International Kenya
Branch InternationalApp loan. A short loan from a phone app or USSD code, usually for days or weeks, with no security. The price is quoted as a fee rather than a rate, so it is hard to compare.
Motor Private Insurance
CIC General InsuranceCar insurance. Covers your car and other people for a year at a time.
Cost not publishedCharges not publishedWhat it costs not publishedHome Insurance (Domestic Package)
ICEA LION General InsuranceHome cover. Your building and what is inside it, against fire, theft and storm damage.
Cost not publishedCharges not publishedWhat it costs not publishedAll Risks Cover
Pioneer AssurancePhone and gadget cover. Covers phones, laptops and other portable things against damage, loss and theft.
Cost not publishedCharges not publishedWhat it costs not publishedCIC Money Market Fund
CIC Asset ManagementMoney market fund. Your money is lent out short term. Safe and easy to reach, grows slowly.
Cost not publishedCharges not published
287 more societies, listed companies and unit trust schemes appear on a Kenyan regulator's list or on the stock exchange. We can tell you they are supervised; we have not been to any of them to find out what they charge or what they pay.