Your financial
freedom, simplified
Savings interest
4% p.a.
Banking, savings, investments, and remittances - one app, via mobile, USSD, or WhatsApp.
5 min
account opening
500K+
customers served
3%
remittance fees
KSh 200
minimum daily savings
Your financial freedom,
simplified
Nawiri brings core banking, investments, remittances, Kadogo micro-tools, and a digital marketplace into one mobile-first ecosystem - available via app, USSD, and WhatsApp.
5 min
account opening
500K+
customers served
3%
remittance fees
KSh 200
minimum daily savings
Available balance
LiveKES 84,250.00
Savings interest
4% p.a.
Six pillars built for financial inclusion
Banking, investing, remittances, micro-finance tools, digital commerce, and the technology backbone - unified so you can save fees, access opportunity, and grow.
Core Banking
Open an account in minutes, pay 100+ utilities 24/7, and access AI-powered collateral-free loans (KSh 500-5M) in under 2 minutes.
Investment Arm
Start building wealth with low-entry products: micro-pensions from KSh 200/day, verified land investments from KSh 1,000, and more.
Remittances
Send money home with 3% fees and turn transfers into progress with the Remit-Invest-Save model and repayment tools (e.g., YEDF portal).
Kadogo Economy
Micro-tools built for informal work: inventory loans, rent & housing savings, and small daily health cover - accessible via USSD and WhatsApp.
E‑Commerce & Trade
A unified digital marketplace for goods, services, and logistics - with embedded finance to help individuals and SMEs buy, sell, and grow.
Technology & Integrations
Mobile app, USSD, and WhatsApp banking powered by AI/ML credit scoring and secure APIs integrating services like M‑Pesa, Ardhisasa, and NSSF.
Account setup
2 min
avg. opening time
Transfer sent
KES 5,000 · just now
Up and running in minutes
Nawiri is built for everyday Kenya - mobile-first, but accessible on any phone via USSD and WhatsApp.
Choose your channel
Use the mobile app or bank on any phone via USSD and WhatsApp - built for 24/7 access.
App + USSD + WhatsAppOpen & verify
Open an account in about 5 minutes with tiered KYC and biometric verification designed for safe, compliant onboarding.
Tiered KYC + biometricsGrow with the pillars
Bank, save, invest, remit, and access Kadogo micro-tools - then shop and trade through integrated marketplace services.
6 pillars in one ecosystemYour money is always safe
Nawiri is built with compliance and safety from day one - including tiered KYC, real-time AML screening, and secure-by-design data handling.
CBK Licensed
Licensed as a Digital Credit Provider (DCP)
Consumer Protection
Multilingual support and complaints handling
Data Protection
Aligned with Kenya's Data Protection Act (2019)
Biometric KYC
Tiered KYC with biometric verification
Security dashboard
All systems operationalBuilt for everyday Kenya
“Nawiri changed how I run my business. I can pay bills, access a quick loan decision, and manage everything on my phone - even when I'm away from the shop.”
Amina Wanjiku
SME owner, Nairobi
“I like that it's not just payments - I can save daily, invest from small amounts, and still use USSD when data is off.”
David Omondi
Developer, Kisumu
“My sister abroad remits with lower fees, and I can immediately move funds into savings and bills without visiting a branch.”
Grace Mutua
Diaspora family, Mombasa
“The AI loan decision is fast and the process is simple. It helped me restock when cash flow was tight.”
Peter Kamau
Entrepreneur, Nakuru
“USSD and WhatsApp banking makes it easy. I don't need a smartphone to manage my account.”
Fatuma Hassan
Trader, Eldoret
“Micro-savings are perfect for me. It's easier to build a habit when you can start from small daily amounts.”
James Otieno
Student, Nairobi
“I like that it's not just payments - I can save daily, invest from small amounts, and still use USSD when data is off.”
David Omondi
Developer, Kisumu
“My sister abroad remits with lower fees, and I can immediately move funds into savings and bills without visiting a branch.”
Grace Mutua
Diaspora family, Mombasa
“The AI loan decision is fast and the process is simple. It helped me restock when cash flow was tight.”
Peter Kamau
Entrepreneur, Nakuru
“USSD and WhatsApp banking makes it easy. I don't need a smartphone to manage my account.”
Fatuma Hassan
Trader, Eldoret
“Micro-savings are perfect for me. It's easier to build a habit when you can start from small daily amounts.”
James Otieno
Student, Nairobi
Bank anywhere - even without data
Use the Nawiri app when you have internet, or access key services anytime via USSD and WhatsApp banking - built for 24/7 convenience.
Prefer the web? Open an account online
