Children's Savings · Long-Term

Start Early,
Win Always.

A savings account managed by parents and guardians to build a saving culture for children from an early age. Small daily amounts, real interest, big future.

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InterestUp to 7% p.a.
Daily Min.UGX 1,000
Tenors6 or 12 Months
Managed byParent or Guardian
7%
PER ANNUM
Compounded monthly
1,000
DAILY MINIMUM
Affordable for every family
No Withdrawals
DURING TARGET PERIOD
Building the saving habit

Who is this for?

Parents and guardians who want to give their children a financial head start by building savings habits from a young age.

Parents Guardians Children's Education Future Planning
Eligibility Criteria
Guardian must have an existing Kray Account
Minimum opening deposit required
Commitment to 6 or 12-month target period
What you get
What you will need
How to get it
  • Daily minimum: UGX 1,000 | Weekly: UGX 7,000 | Monthly: UGX 30,000
  • Up to 7% interest per year, paid daily, compounded monthly
  • Target periods of 6 and 12 months
  • No withdrawals during target period
  • Managed by parent or guardian on behalf of child
Parent or Guardian National ID
Existing Kray Account (Guardian)
Minimum Opening Deposit
  • Visit any Kray branch or apply via the Kray mobile app or USSD *217#.
  • Carry your National ID and all required documents listed above.
  • A Kray loan officer will assess your application and guide you through the process.
  • Once approved, funds are disbursed directly to your Kray account — sometimes same day.

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