Demo concept by Forgepoint · Not the official website · forgepointagency@gmail.com
Nairobi-built · Pan-African

Money that
works while
you sleep.

Amana turns your idle money into real returns. Save, invest, and grow — starting from KES 100. No bank account needed.

Start for free See how it works →
240K
Active savers across East Africa
8.2%
Average annual return on savings
KES 100
Minimum to start — no excuses
4.9★
Rated on Google Play & App Store

"The bank never told us we could earn 8% on our savings."

Save from KES 100
Treasury bills & bonds
M-Pesa instant deposits
Chama & group savings
Licensed by CBK
KDIC insured up to KES 500K
No lock-in periods
Save from KES 100
Treasury bills & bonds
M-Pesa instant deposits
Chama & group savings
Licensed by CBK
KDIC insured up to KES 500K
No lock-in periods
What we do

Not just a savings app.
A wealth engine.

Most Kenyans earn returns of 2-4% sitting in a bank. Amana connects your money directly to government-backed instruments that ordinary people never had access to — until now.

01
Smart Savings Goals
Set a target, set a date, and Amana builds the plan. Auto-deductions from M-Pesa keep you on track without thinking about it.
02
Micro-Investment Access
Treasury bills, money market funds, and government bonds — from KES 100. Instruments that used to require KES 1M minimum, now open to everyone.
03
Group & Chama Savings
Digitise your chama. Transparent contributions, automatic rotations, no paper trails or arguments. Your group, your rules, our infrastructure.
04
Insured & Regulated
Licensed by the Central Bank of Kenya. Every shilling insured up to KES 500,000 by KDIC. Your trust is the whole business model.
The Amana belief

Financial growth isn't a
privilege. It's a right.

The wealth gap in Kenya isn't about how hard people work. It's about who has access to the right tools. Amana is fixing the access problem — one saver at a time.

Join 240,000 savers →
How it works

Up and earning
in 3 minutes.

No forms, no queues, no minimum balance requirements. Just your phone number and KES 100 to start.

01
Sign up with your phone
Phone number, M-Pesa PIN, done. No bank account, no ID scan needed to get started.
02
Set your first goal
Emergency fund, school fees, holiday, business capital — we build the savings plan around what matters to you.
03
Deposit via M-Pesa
Send any amount from KES 100. Lands in seconds. Your money starts earning the moment it arrives.
04
Watch it compound
Returns calculated daily, paid monthly. Reinvested automatically unless you say otherwise. No action needed.
Real results

"I saved for my daughter's university fees in 8 months on a salary I always thought wasn't enough. Amana showed me I was wrong."

Wanjiku M. · Nairobi · Saved KES 180,000
★★★★★
"Our chama of 12 used to have monthly arguments about contributions. We moved to Amana six months ago. No arguments since. Everything is transparent and automatic."
Otieno K. · Kisumu
★★★★★
"I'm 24, just got my first job. I always assumed investing was for rich people. Started with KES 500 a week. I have KES 42,000 saved now and I barely noticed the money leaving."
Amina S. · Mombasa
Get started

Your future self starts today.

It takes 3 minutes. Start with KES 100. No bank account required. We'll send a download link straight to your phone.

Free to download. No spam. Unsubscribe any time.