Savings · Flexible

Your Savings,
Earning Daily.

An interest-earning wallet that rewards your discipline while keeping your money accessible. Withdraw anytime, earn every day.

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InterestUp to 14% p.a.

AccessWithdraw Anytime

CalculationDaily

Min. BalanceUGX 200,000

Who is this for?

Self-employed individuals, business owners, salaried professionals, and SMEs who want idle money to work harder while staying accessible.

Self-Employed Business Owners Salaried Professionals SMEs Traders

Eligibility Criteria

Maintain minimum qualifying balance of UGX 200,000

Active Kray account holder

Minimum deposit per transaction: UGX 50,000

What you get

What you will need

How to get it

National ID

Active Kray Account

Minimum opening balance of UGX 200,000

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.