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Choose the perfect plan for your SACCO's success

Find the ideal Kwara pricing plan to empower your SACCO and drive growth.

Core Banking
Mobile Channels

Simple, pay-as-you-go pricing

from 30,000 Ksh

per month, billed quarterly or annually, excl. VAT

  • Core banking system
  • Android, iOS and USSD apps
  • Bulk SMS
  • Credit referencing through CRB

Custom to your SACCO needs

Custom Pricing

Speak with a Technical Project Expert

    Everything in Premium plus

  • ATM Cards
  • FOSA module
  • Regulatory Reports
  • HR and Payroll
  • Agency banking & POS
  • Banking-grade SLA
  • Business Intelligence
  • APIs for third party integration

Verified partners and compliance certifications

Security comes first at Kwara. We use the world’s best in class hosting with AWS and ensure at least one serving copy of the data may be stored in a data centre located in Kenya.

"Kwara is the best possible partner for SACCOs looking for a core banking system to grow their business, increase member value and create a strong, modern brand."
Suleiman, Manager

Rachuonyo Biashara SACCO


Revenue Growth

Backed by great investors
Soft BankBreegaKepple AfricaRaba PartnersBonumBase CapitalDob Equity

Frequently asked

Does Kwara charge annual maintenance costs (AMCs)?

Kwara charges one fixed annual subscription fee and member 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.

How does the user licensing model work?

This depends on the size of your SACCO’s membership base and the features needed to support the scale of your operations. Kwara offers unlimited licences and member accounts.

How does Kwara come up with transaction fees?

Transaction fees are based on the types of transactions your SACCO needs. We have a menu of options that allows SACCOs to pick the transaction types, and the structure - percentage or flat fee. Fees cover the platform maintenance and ensure reliability and security of the platform.

Can we adopt one-off pricing?

Upon request and discussion, we offer a one-off payment option for the entire contract duration, which can be set by the SACCO.

What happens after the contract ends?

Kwara’s contracts renew after expiry and can be adjusted to accommodate new needs simply with an addendum to your current contract. We have so far had a 100% renewal rate and are excited to welcome you aboard too!