Accounts
Opening, closing, statements, and account types.
Help centre
How can we help?
Search the answers below, or browse by topic. If you cannot find what you need, contact us directly — a person will reply.
Browse by topic.
Loans & credit
Applications, repayments, rates and early settlement.
Payments & transfers
Deposits, withdrawals, mobile money and bank transfers.
Savings & deposits
Interest, fixed deposits and group savings.
Security & fraud
Protecting your account and reporting fraud.
Trade finance
Facilities for mineral and commodity exporters.
Frequently asked questions.
Accounts
- You can open an account online in about ten minutes. You'll need a valid identification document, a phone number registered in your name, and — for a business account — your company registration. Existing customers can open additional accounts from inside the app.
- A savings account can be opened with as little as the amount shown in the rates and fees schedule for your region. There is no penalty for falling below the minimum, though a monthly maintenance fee may apply.
- Contact us and we'll walk you through it. Your balance is returned to you, minus any outstanding fees or loan balances. The account remains visible in your history for the period required by law.
- Statements are available in your dashboard as a PDF for any period you choose, and we can send them by email. Printed statements are available at any branch for the fee shown in the rates and fees schedule.
How do I open an account?
Is there a minimum balance?
How do I close my account?
How do I get a statement?
Loans & credit
- Sign in and start an application from your dashboard. It takes about ten minutes. We'll ask how much you want to borrow, over how long, what the loan is for, and your main source of income.
- We review most applications within one working day. We may need to ask for supporting documents, which can add a day or two. You'll see the status in your dashboard at every stage.
- Yes. There is no early-repayment penalty. Interest is charged only on the balance you still owe, so repaying early reduces the total cost of the loan.
- Contact us before the due date if you can. We will work with you where we can — for example, adjusting the schedule if you're temporarily without income. A late-payment fee applies as shown in the rates and fees schedule, and persistent non-payment is reported as required by law.
How do I apply for a loan?
How long does approval take?
Can I repay early?
What if I miss a payment?
Payments & transfers
- From your dashboard, choose Deposit → Mobile Money and follow the prompts. The money arrives in your account within a few seconds. Deposits are free.
- Limits depend on the type of transfer and your account verification level. You'll see the exact limits in your dashboard when you initiate a transfer.
- Most failed transfers are due to incorrect recipient details or insufficient balance. Check your notifications for the reason. If funds were deducted, they are usually returned within 24 hours. If not, contact us with the transaction reference.
- Yes, from a business account or for trade finance purposes. Personal international transfers are available in some markets — check the services page for your region.
How do I deposit with mobile money?
What are the transfer limits?
My transfer failed. What now?
Can I send money abroad?
Savings & deposits
- Interest is calculated daily on your closing balance and credited to your account at the end of the month. The current rate for your region is shown on the rates and fees page.
- You agree to leave a sum with us for a fixed period — typically 3, 6 or 12 months — and we pay a higher interest rate than the standard savings account. Early withdrawal may reduce the interest earned.
- Yes. Our group and Sacco accounts are designed for savings groups, cooperatives and associations. They support multiple named signatories and produce contribution records per member.
- Yes. Deposits held with Jahihi Uganda are protected by the Deposit Protection Fund of Uganda up to UGX 10,000,000 per depositor. Your regional regulator and protection scheme are shown on the rates and fees page.
How is savings interest calculated?
What is a fixed deposit?
Do you offer group savings?
Are my savings protected?
Security & fraud
- Call us immediately using the number at the top of this page, or email our fraud team. Reports are answered 24 hours a day. If you've lost money, we'll also help you file a police report if needed.
- Don't click any links or call any numbers in the message. Forward the message to our fraud team and then delete it. We never ask for your password, PIN or one-time code by SMS, email or phone.
- Sign in to your account from another device and change your password, then contact us so we can log out all other sessions. If the phone had your mobile money SIM, contact your network operator too.
- Sign in and go to Account Settings → Security. If you can't sign in, use the password reset link on the login page.
How do I report fraud?
I got a suspicious message.
I lost my phone. What should I do?
How do I change my password?
Trade finance
- Submit an enquiry through the trade finance page. A trade officer will respond within one working day and walk you through the facility, documentation and next steps.
- A valid mineral dealer or export licence, a confirmed offtake or buyer contract, KYC and AML documentation for the beneficial owners, and evidence of at least 12 months of exports.
- Typical tenors are 3 to 90 days depending on the facility type. Pre-export facilities usually run for the length of the shipment cycle.
- We have established relationships on the main East African corridors — Uganda and DRC to the UAE and Switzerland, and Rwanda and Burundi to the UAE. Other corridors can be arranged on request.
How do I apply for trade finance?
What documentation is required?
What tenors do you offer?
Which corridors do you finance?
Still need help?
Our team answers enquiries within one working day. Fraud reports are answered 24 hours a day.