Let's Go. Let's Grow.
YOBA is built for the way young Kenyans actually live. Save, invest, borrow — on your terms.
Come Tu Grow ✦Fika Your Destiny ✦Unganisha Moves ✦Let's Go. Let's Grow. ✦Yo! Come to YOBA! ✦Yo! Shika Rada ✦Yo! Cheza Kama Wewe ✦Come Tu Grow ✦Fika Your Destiny ✦Unganisha Moves ✦Let's Go. Let's Grow. ✦Yo! Come to YOBA! ✦Yo! Shika Rada ✦Yo! Cheza Kama Wewe ✦Come Tu Grow ✦Fika Your Destiny ✦Unganisha Moves ✦Let's Go. Let's Grow. ✦Yo! Come to YOBA! ✦Yo! Shika Rada ✦Yo! Cheza Kama Wewe ✦Come Tu Grow ✦Fika Your Destiny ✦Unganisha Moves ✦Let's Go. Let's Grow. ✦Yo! Come to YOBA! ✦Yo! Shika Rada ✦Yo! Cheza Kama Wewe ✦
Built for youYour money.
Your money.
Your rules.
No stiff suits. No long lectures. YOBA bends to how you actually move — fast, smart, unmistakably yours.
💰
Save smart
Lock goals, auto-stash, watch it climb.
⚡
Borrow fast
Instant loans without the long story.
📊
Invest small
From KES 100. No suit required.
🚀
Move bold
Pay, send, split — anywhere, anytime.
Find Your FitNot sure where
Not sure where
to start?
Answer 3 quick questions. We'll match you to the YOBA fit that moves with your life.
- ✓Built around how young Kenyans actually earn
- ✓No jargon, no judgement — just smart matches
- ✓From shamba to campus to side hustle
- ✓Tailored credit, savings & investment paths
YOBA Assistant
Online — Shika rada
Preparing your match…
What you getEverything you need.
Everything you need.
Nothing you don't.
01
Instant Account Opening
Open YOBA in 5 steps. No queues.
02
Goal-Based Savings
Name it, set it, hit it.
03
Instant Loans
Quick credit when life moves fast.
04
Micro-Investments
Start with KES 100 and grow.
05
Digital Payments
Send, pay, split with ease.
06
Financial Education
Shika rada with bite-size lessons.
75%
of Kenyans are under 35
5B+
KES value pool
5
steps to open
100
KES to start investing
Yo! Come to YOBA!
Your era starts now.
CBK regulated · No monthly fees · Your data stays yours