Hii ni Yetu — Dial *254#

Take control of your future with KNEST Every hustle counts. Build your nest egg, bit by bit. Retirement savings made simple for the informal sector.

Ukipanga chama, unaweza panga pension pia Pension ni chama ya kesho.

Unachase bag daily? Boss, chase security pia Normalize kujipanga mapema.

Uko na tools za kazi — uko na tool ya retirement? Heri kujipanga mapema.

Ukijenga nyumba ya mwingine… yako iko wapi kwa plan? Heri kujijenga mapema.

Registered by the RBA — Certificate Reg. No. 01742
Start saving now Our services
Kenyan informal-sector workers building their financial future with KNEST A group saving together, like a chama, planning for retirement A boda-boda rider securing their future A fundi with their tools, planning for retirement A builder planning their own future
Bonyeza *254# kuregister
Our services

Saving for the day you can’t hustle, made simple

From your first saving to lasting security, know exactly where every shilling goes.

  1. 01

    Enrollment

    Start your journey to financial security. Our quick and easy registration process ensures you’re set up both for short-term and long-term savings. Use our USSD code, online portal, or mobile app.

  2. 02

    Savings collection

    Save from as little as KES 50, anytime. Make regular savings with ease through flexible payment options. We ensure secure and timely collection of your savings, helping you grow your funds steadily for both short and long-term needs.

What happens next

Every saving is split automatically

The moment your savings are collected, we divide them into two protected pots — one you can dip into, one that’s locked away for the retirement only you can enjoy.

30% Accessible

Short-term savings

Your everyday safety net — free to use whenever life happens.

  • Withdrawals

    Need money for an emergency? Withdraw this portion anytime, anywhere, using the USSD code, app, or portal — simple, secure, and guided by transparent policies.
  • Statements

    Track this pot anytime with clear, detailed statements — balances and growth, always at your fingertips.
70% Locked for retirement

Pension savings

Your nest egg — held securely so the day you can’t hustle is already covered.

  • Access to pension

    This portion builds toward your retirement benefit, held and grown until you’re ready to draw it down.
  • Not eligible for withdrawal

    Protected from early withdrawal by design — this pot stays held for you, so your future stays funded.
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Recognition

Award-winning impact

Proud to be recognised for our work expanding retirement savings across Kenya’s informal sector.

  • MAIA Awards 2026 Winner — Best Non-Profit Project in a Developing Economy
    MAIA Awards · 2026

    Best Non-Profit Project in a Developing Economy

  • MAIA Awards 2026 Winner — Best For-Profit Project for Underserved Communities
    MAIA Awards · 2026

    Best For-Profit Project for Underserved Communities