Target Savings · 120 Days

120 Days of Discipline,
A Lifetime of Reward.

Commit to 120 days of consistent saving and earn up to 15% per annum, compounded monthly. A focused savings challenge with serious returns.

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InterestUp to 15% p.a.

Duration120 Days (4 months)

Daily Min.UGX 10,000

WithdrawalsNone during challenge

Who is this for?

Savers with a specific short-term goal — school fees, rent, equipment, or a business investment. Four months of commitment, real returns.

Short-Term Savers Goal-Oriented Savers Daily Earners Small Business Owners

Eligibility Criteria

Active Kray account holder

Commitment to 120-day saving period

No withdrawals during the challenge

What you get

What you will need

How to get it

National ID

Active Kray Account

Visit any Kray branch or apply via the Kray mobile app or USSD *217#.
Carry your National ID and all required documents listed above.
A Kray loan officer will assess your application and guide you through the process.
Once approved, funds are disbursed directly to your Kray account — sometimes same day.