Everyday savings, goal-based fixed deposits, and group accounts earning up to 14% p.a.
Personal loans, SME capital, asset finance, and salary advances at Rwanda's most competitive rates.
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 a business loan — entirely digital, entirely transparent.
Six products 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.
Fast credit from RWF 20,000 to 2,000,000. No collateral for small amounts.
Grow your business with financing up to RWF 10,000,000.
Bridge the gap between paychecks. Payroll-based repayment at our lowest rates.
Create your account in 3 minutes with digital KYC — National ID, selfie, and phone. No branch visit.
Pick from savings accounts, fixed deposits, group accounts, or apply for a loan.
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. |
| Personal Loan | Lending | RWF 20K – 2M · 1–12 mo | 18–36% APR |
| SME Working Capital | Business Loan | RWF 200K – 10M · 3–24 mo | 14–28% APR |
| Salary Advance | Lending | RWF 10K – 200K · 1–2 mo | 10–20% 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, growing a business, or bridging a cash gap — EPSSF has the right product 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.
| Loan Product | Purpose | Amount (RWF) | Term | APR |
|---|---|---|---|---|
| Personal Loan | Emergency, medical, education | 20,000 – 2,000,000 | 1–12 months | 18–36% |
| SME Working Capital | Inventory, payroll, expansion | 200,000 – 10,000,000 | 3–24 months | 14–28% |
| Asset Finance Loan | Equipment, vehicles, machinery | 500,000 – 15,000,000 | 6–36 months | 12–24% |
| Salary Advance | Payroll bridge | 10,000 – 200,000 | 1–2 months | 10–20% |
| Group / Ikibina Loan | Collective community needs | 50,000 – 5,000,000 | 3–12 months | 12–22% |
Transparency first — see your full repayment schedule before you commit. No hidden fees, no surprises.
Join thousands of Rwandans saving smarter and borrowing better with EPSSF.
From savings and 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.
Fast loan processing from application to disbursement with automated KYC, e-signature, and 24-hour 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.
Business financial health reviews, cash flow coaching, and tailored capital recommendations for SME borrowers.
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.