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Redefining core banking for SACCOs.

Experience unparalleled uptime, ironclad security, and empowering self-serve tools with the exclusive core banking platform tailored for SACCOs.

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Hi RodaOverviewCurrent Cash Balance (KES)15,407,230Utilities (KES)2,334,230Deposits (KES)82,934.21Open TillClose Till+2% up from yesterdayTransactions50292Mike MuthakaWithdrawal15 hours ago-20,000.01Cash50292Mike MuthakaWithdrawal15 hours ago-20,000.01CashAdd

Coming Soon

Save, borrow and earn all in one app

Take your member service to the next level by giving them access to secure savings channels and mobile loans

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You’re in award-winning company

SACCOs using Kwara grow their memberships 5 times faster than average and win industry awards.

Packed with benefits, tailored for credit unions

An exciting new way to save

Digitize your operations

Become a digital powerhouse to drive operational efficiency and speed

Maintain full control

A robust admin platform gives you 360 degree view of all operations at your institution

Acquire more members

Launch modern mobile channels like apps and USSD to increase repayment rates and member activity

Fully SASRA compliant

We’ve got your back with SASRA-compliant reporting and accounting

Learn how Kwara helps SACCOs
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Save with friends

Join a SACCO today, or invite your friends to save with you.

Get instant cheap loans

Access the cheapest loans from licensed SACCOs and request guarantors digitally

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Learn more about the app

We’ve got you covered

The security of your data and the data of your members comes first. Access controls. 99.99% uptime. Robust pen-testing.

Fraud detection and monitoring
Data Protection Act ready
Plug-and-play compliance

Here’s what our clients say

Kwara Sacco Client
The robust and agile cloud system has so far had a 100% record uptime as well as nil cyber-attacks. I do not therefore hesitate to recommend the Kwara core banking system to any prospective SACCO that is keen to take their service touchpoints to the next level."
Lucas Ondong

Chief Operating Officer at The Kenya Bankers


Uptime guarantee

In case you missed anything

Is the Kwara system Kenyan?

Yes, proudly! 🇰🇪 Kwara’s system is developed by Kenyan software developers, even as we maintain an R&D hub in Germany to ensure world-class engineering. The intellectual property and rights to our system are wholly owned by Kwara.

How do our members benefit?

A new Kwara App is coming soon! The Kwara mobile channels include USSD code *341# and the Kwara Connect App that your members can use to access their SACCO account, repay and save digitally, check balances and statements, apply for mobile loans and request guarantors online.

Where is the data stored?

The data is hosted on AWS, a premier cloud hosting platform used and trusted globally as well as in Kenya. The cloud hosting at AWS complies with the Data Protection Act of Kenya.

How does Kwara pricing work?

Kwara charges one fixed annual subscription fee, but no additional fees are charged for upgrades and maintenance of the system. This model allows you to benefit from constant product improvements, free customer support and unlimited user licences and member accounts at a fixed subscription price, paid quarterly, annually or for the entire contract period.