# MAXIMIZE YOUR SAVINGS Earn up to 15% per Annum with Fingo Interest-Earning Savings. Start Saving Smart Today! Up to 15% AEY High-yield Savings Competitive Annual Effective Yield (AEY). The more you save, the more you earn. Fast set up Hassle-Free Open your account in just 4 minutes and start saving smart. 1% Fingo Service fee Charged at the end of each month on the gross interest. KES 100 Minimal Initial Deposit Begin your investment journey with as little as KES 100. # What IS Interest-earning Savings? An Interest-Earning Savings account allows you to deposit your money and earn interest on your balance over time. Unlike a regular savings account, the interest rates are higher, enabling your savings to grow faster. With our competitive Annual Effective Yield (AEY), you can maximize your returns while enjoying the flexibility to access your funds whenever needed. Start saving smart and watch your money work for you. # Secure Investments with sanlam We’ve partnered with Sanlam, one of Africa's most reputable financial institutions, to ensure your money is in safe hands. # CBK Regulated product POWERED BY ECOBANK Fingo is a Central Bank of Kenya regulated product and powered by Ecobank, ensuring transparency and security for all our customers. # SOUNDS GOOD? MAKE IT INTERESTING ## INTEREST CALCULATOR Use our interest calculator to see how your money can grow over time with Fingo Africa. Open your interest-earning savings effortlessly, and watch your balance expand with daily compounded interest. It’s smart money growth made simple. # UP TO # 15%* This interest rate is variable, and your returns may vary depending on the market. Enter your starting balance and a time period: Deposit Amount Interest rate in % Number of months Recurring Deposit Frequency DailyWeeklyMonthly New Balance KES 11607.55 Gross Interest KES 1607.55 Forecasts are estimates and not guarantees. Actual earnings may vary due to market fluctuations. Capital at risk. # DAILY COMPOUNDED INTEREST FOR MAXIMUM GROWTH # FLEXIBLE DEPOSITS AND WITHDRAWALS AT YOUR CONVENIENCE ## WHY CHOOSE INTEREST-EARNING SAVINGS? **EFFORTLESS ACCOUNT MANAGEMENT** Easily manage your account, view your balance, and track your interest earnings through our user-friendly mobile app. **AUTOMATED SAVINGS PLANS** Keep your savings on track with automatic transfers to your interest-earning account, making saving effortless. **MULTIPLE SAVINGS GOALS** Create and manage multiple high-yield savings goals within your account to meet various financial objectives. **FLEXIBLE DEPOSITS AND WITHDRAWALS** Enjoy the convenience of making deposits and withdrawals at any time, tailored to your financial needs. # SAVINGS goals for your milestones Define your savings target and timeline to stay focused on your goal. Schedule regular transfers to effortlessly save for milestones like a new car or your dream vacation. # SAVING GOALS FEATURES ## Save at your own pace. Our features help you stay on track and achieve your financial goals # Track progress with ease Monitor your savings progress effortlessly with real-time updates. Stay on track to reach your financial goals with our intuitive tracking tools. # Set personalized goals Create customized savings goals that fit your unique financial objectives. Whether it’s a dream vacation, a new car, or an emergency fund, personalize your targets to match your aspirations. # Flexible deposits and withdrawals Enjoy the flexibility to deposit and withdraw funds at your convenience. Manage your savings on your own terms with our user-friendly features. ## Frequent Asked Questions ### **What is the Interest-Earning Savings Feature?** The Interest-Earning Savings feature is a high-yield savings account offered by Fingo Africa. It allows you to earn up to 15% interest per annum, compounded daily and paid monthly. This feature is designed to help you maximize your savings effortlessly. Please note that the 15% interest rate is not guaranteed and may change depending on market conditions. While we have measures in place to minimize risk, your capital is at risk. #### **How to Open a Savings Account?** To open a savings account with Fingo, follow these steps: 1. Download the Fingo app from the App Store or Google Play. 2. Sign up and create an account. 3. Verify your identity by providing a valid ID and taking a selfie. 4. Complete the account setup and start saving! #### **How to Deposit into Your Interest-Earning Savings Goal?** Deposit money into your Fingo account using any of the following methods: • MPESA Deposit • MPESA Payroll Deposit • Paylink Deposit • Bank Deposit • Receiving Salary through Bank Transfer After depositing the money into your Fingo account, simply transfer the funds to your interest-earning savings goal by tapping on the Savings shortcut on the home screen or from the interest-earning savings goal details page. #### **When and How is My Interest Paid?** Interest on your savings is compounded daily and paid out monthly. This means your balance will grow every day, and the interest earned will be credited to your Interest-Earning Savings Goal at the end of each month. #### **Are There Any Fees Associated with the Account?** While there are no fees associated with opening or maintaining an Interest-Earning Savings account with Fingo Africa, there are some charges related to the interest earned. A withholding tax of 15% and a Fingo service fee of 1% are deducted from the gross interest earned. We believe in transparent banking with no hidden charges to ensure you get the maximum benefit from your savings. #### **What is the Minimum Initial Deposit and Minimum Deposit Amount?** The minimum initial deposit to open your interest-earning savings account is KES 100. Additionally, each subsequent deposit must also be at least KES 100. #### **What are the Withdrawal times?** Withdrawals from your Fingo savings account are processed as follows: • Daily withdrawals up to KES 30,000 are processed instantly. • Daily withdrawals above KES 30,000 are processed within 48 hours.