Investing your money can allow you to grow it. The Zao account is an Investment vehicle that offer members the opportunity to earn competitive rates of return.


  • Minimum earning balance KES 10,000.
  • Period 3-6 months at interest rate of 7.5 % p.a.
  • Period above 6 months at interest rate of 8.5 % p.a.
  • If withdrawn before maturity date the interest is lost.
  • Rates will be revised from time to time based on market rates.
  • Member must provide evidence of source of funds.


  • This return allows your money to build, creating wealth over time.
  • Withdrawable on request.
  • Can be used to secure loans.