Everyday savings, goal-based fixed deposits, and group accounts earning up to 14% p.a.
Ordinary, Emergency, Social, and Special loans — each matched to a different life need.
Goal trackers, savings calculators, debt management tools, and one-on-one advisory sessions.
Ikibina and SACCO-style group savings with collective lending access for communities.
From opening your first savings account to applying for the right loan — entirely digital, entirely transparent.
Accounts designed around your life — not the bank's convenience.
Deposit and withdraw anytime. Earn interest monthly with zero minimum balance requirements.
Lock your savings for 3–24 months and earn our highest guaranteed interest rate.
Save together — chama, SACCO, or cooperative — and unlock group lending power.
We keep lending simple: pick the loan that matches your situation.
General-purpose credit for members in good standing, repaid through regular payroll deductions.
Same-day credit for medical bills, urgent repairs, or sudden family needs — minimal paperwork.
For weddings, funerals, school fees, and other community and family occasions.
Larger, longer-term financing for major projects — land, construction, business investment, and assets.
Create your account in 3 minutes with digital KYC — National ID, selfie, and phone. No branch visit.
Pick a savings account, or the loan that fits: Ordinary, Emergency, Social, or Special.
Deposit via MoMo, Airtel Money, or bank transfer. Watch your balance grow with daily interest.
Withdraw, reinvest, or leverage savings history for preferential loan rates — all from your phone.
Compound interest is the most powerful force in personal finance. See exactly how much you'll earn with EPSSF.
Indicative rates. Final terms follow individual review under BNR oversight.
| Product | Type | Amount / Term | Rate |
|---|---|---|---|
| FlexSave Account | Savings | Any amount · Flexible | 8% p.a. |
| Goal Savings Plan | Savings | Min RWF 10,000 · 3–12 mo | 10% p.a. |
| Fixed Deposit | Savings | Min RWF 100,000 · 3–24 mo | 12–14% p.a. |
| Ikibina Group Account | Group Savings | 2–50 members · Flexible | 10–12% p.a. |
| Ordinary Loan | Lending | RWF 20K – 2M · 1–12 mo | 18–32% APR |
| Emergency Loan | Lending | RWF 10K – 500K · 1–6 mo | 15–24% APR |
| Social Loan | Lending | RWF 20K – 1M · 2–12 mo | 16–26% APR |
| Special Loan | Lending | RWF 500K – 10M · 6–36 mo | 14–28% APR |
Join 24,000+ Rwandans who save, grow, and borrow with EPSSF. Open your account in under 3 minutes — no branch visit, no paperwork.
A modern savings and lending platform combining trusted community finance with the speed of digital technology.
To make financial security accessible to every Rwandan — by offering fair returns on savings and affordable credit through a transparent digital platform.
To become the leading integrated savings and lending platform across East Africa — starting as Rwanda's most trusted, most transparent financial institution.
EPSSF operates under National Bank of Rwanda (BNR) microfinance regulations, maintaining the highest standards of member protection.
Fully licensed under National Bank of Rwanda microfinance rules. Your savings are protected under Rwandan law.
Deposits held in segregated accounts. End-to-end encryption and OTP verification on every transaction.
Restructuring before escalation. Legal recovery only after 90+ days of default with full documented remediation.
Save, earn, borrow, and grow — all in one place, built for Rwanda.
Whether you're building an emergency fund, covering a family occasion, or financing a big project — EPSSF has the right loan for you.
Competitive interest rates on every franc you deposit — from flexible everyday savings to high-yield fixed deposits.
Save at your own pace. Deposit or withdraw anytime with no penalties and no minimum balance.
Our highest-earning account. Lock funds for 3 to 24 months and earn guaranteed, compounding interest.
Name your goal — school fees, a motorbike, a home — set a target and save toward it automatically.
Save together as a community with individual tracking, shared goals, and collective lending access.
Fair rates, fast decisions, and flexible repayment. EPSSF members with savings history unlock preferential rates on every loan type below.
The standard loan for members in good standing — everyday expenses, bills, and general financial needs, repaid on a fixed schedule.
Built for urgency — medical bills, sudden repairs, or unplanned family costs. Minimal paperwork, same-day review.
For life's occasions — weddings, funerals, school fees, and other social or family obligations.
For bigger, longer-term needs — land, construction, business investment, equipment, or major assets.
Transparency first — see your full repayment schedule before you commit, for any of our four loan types.
Join thousands of Rwandans saving smarter and borrowing better with EPSSF.
From savings and four types of credit to financial education and advisory — EPSSF is your complete financial partner for life.
Open, fund, and manage savings accounts entirely online — FlexSave, GoalSave, Fixed Deposits, and Group accounts.
Ordinary, Emergency, Social, and Special loans with automated KYC, e-signature, and fast fund release.
Community savings accounts with individual tracking, shared goals, rotating payouts, and collective lending access.
Automated risk assessment using savings history, mobile data, and alternative signals for faster, fairer credit decisions.
In-app financial literacy resources, budgeting guides, savings tips, and one-on-one advisory sessions for members.
Guidance choosing between Ordinary, Emergency, Social, and Special loans based on your situation and goals.
All data and transactions are encrypted end-to-end with OTP verification on every action.
24/7 automated fraud detection with instant alerts protects every account and transaction.
Live chat, phone, and email support — always available. Average live chat response under 2 minutes.
Save, earn, borrow, plan — everything you need in one secure, transparent app.
Questions about savings, loans, or anything else — our team is here for you around the clock.
Whether you're opening your first account, applying for a loan, or just have a question — we're happy to help.
We'll respond within 4 hours during business hours.