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
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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 free, quick, and easy registration process ensures you’re set up for both short-term and long-term savings. Use our *254# USSD code to register.

  2. 02

    Savings

    Save from as little as KES 50, anytime. Make regular savings with ease through flexible payment options using the *254# USSD code. We ensure the secure and timely collection of your savings, helping you grow your funds steadily for both short-term 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 and 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? You can withdraw your short-term savings anytime, anywhere, using the *254# USSD code. Withdrawals are simple, secure, and guided by our transparent policies.
70% Locked for retirement

Long-term (Pension) Savings

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

  • Retirement access

    Long-term (pension) savings remain safe for your financial security until you reach the retirement age of 50 years. Your savings earn interest, growing your pension nest egg so you can retire with peace of mind.
  1. 03

    Statements

    Track your savings anytime with clear, detailed statements, using the *254# USSD code. View your long-term and short-term savings history, balances, and growth across both savings components, empowering you to stay informed and in control.

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Recognition

Award-winning impact

Two national honours recognising our work expanding retirement savings across Kenya’s informal sector.

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

    Best Non-Profit Project in a Developing Economy

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

    Best For-Profit Project for Underserved Communities

    MAIA Awards · Winner 2026