Tunzi
Tunzi is a mobile-based savings and investment app that uses goals, group saving, and saving rules linked to mobile money.
What Tunzi is
Tunzi is a mobile-based savings and investment app that uses goals, group saving, and saving rules linked to mobile money. Users can set personal targets, reminders, and progress tracking. Saving options include Quick Save, Round down, Save on Spend, and a 52 week challenge. Groups can have 2 to 15 members, and all members must approve a withdrawal before it is processed. Tunzi states that Quick Save and normal goals earn 6% per year, while locked goals and the 52 week challenge earn 8% per year, with interest distributed daily. The app is free to use with no monthly charge or maintenance cost, but withdrawals incur fees from RWF 200 to RWF 1,000 depending on transaction amount. Requests are usually processed within 48 hours, excluding weekends and public holidays, and funds are sent to the linked number through MTN mobile money. Tunzi says deposited funds are held in a custody bank and investments are handled by BK Capital. It states that it is authorized by Rwanda's Capital Markets Authority; users must be at least 18.
Good
- Personal goals include reminders and progress tracking
- Group savings support 2 to 15 members
- Several saving rules and challenges are available
- Interest is distributed daily
- No monthly charge or maintenance cost
Watch out
- Withdrawal fees range from RWF 200 to RWF 1,000
- Withdrawals are usually processed within 48 hours
- Users must be at least 18
- Withdrawals use linked MTN mobile money
Who it suits
Tunzi may suit adults in Rwanda who want to save toward personal or group goals using MTN mobile money. It is not for users under 18 or those unwilling to account for withdrawal fees.
Verdict
Tunzi offers goal-based and group saving with stated interest rates and no monthly charge. Consider the withdrawal fees, processing window, and MTN mobile money requirement before choosing it.
Plans and prices
From Tunzi's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Tunzi | Free | Free to use · no monthly charge or maintenance cost · withdrawal fees apply |
The facts
Each one read from Tunzi's own pages, with the date it was checked.
What it does
- Custody and fund manager
- Tunzi says deposited funds are held in a custody bank and investments are handled by fund manager partner BK Capital.checked 7 Oct 2026
- Eligibility
- The terms require users to be at least 18 years old and legally able to enter binding contracts.checked 7 Oct 2026
- Group savings
- Groups support 2 to 15 members, and every member must approve a group withdrawal before it is processed.checked 7 Oct 2026
- Investment returns
- The FAQ states that Quick Save and normal goals earn 6% per year, while locked goals and the 52 week challenge earn 8% per year, with interest distributed daily.checked 7 Oct 2026
- Mobile money
- The terms define MOMO as the MTN mobile money payment channel and say withdrawals are sent to the user's linked mobile number through MTN mobile money.checked 7 Oct 2026
- Personal goals
- Users can create and customize personal goals, set reminders, and track progress against a target.checked 7 Oct 2026
- Privacy and data
- The privacy policy says Tunzi may access contacts and MTN mobile money messages with permission, and stores personal data on Google Cloud servers.checked 7 Oct 2026
- Purpose
- Tunzi is a mobile based savings and investment app that uses goals, behavioral psychology, and gamification to help people save through mobile money.checked 7 Oct 2026
- Regulatory status
- Tunzi states that it is authorized by Rwanda's Capital Markets Authority to offer its investment platform.checked 7 Oct 2026
- Saving rules
- The app offers Quick Save, Round down, Save on Spend, and a 52 week savings challenge.checked 7 Oct 2026
- Security
- Tunzi describes its app security as bank grade; its privacy policy says internet transmission is not completely secure and Tunzi cannot guarantee data security outside its direct control.checked 7 Oct 2026
- Support
- The FAQ directs users to the in-app help button for WhatsApp support and lists [email protected] as a contact email.checked 7 Oct 2026
- Withdrawal fees
- Tunzi says the app is free to use and lists withdrawal fees ranging from RWF 200 to RWF 1,000 for transaction ranges from RWF 500 to RWF 1,000,000.checked 7 Oct 2026
- Withdrawal timing
- Withdrawal requests are usually processed within 48 hours, excluding weekends and public holidays.checked 7 Oct 2026
The company
- Headquarters
- Kigali, Rwandachecked 28 Sep 2026
Where it runs
- Mobile apps
- Tunzi directs users to download the app from Google Play or the App Store.checked 7 Oct 2026
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