Saving money, the way Tanzanians actually save.
Set a goal, top up from your phone, watch it grow.
Start a goal →Two or more people, one shared goal, every shilling accounted for.
See group savings →Pool money for a wedding, a funeral, a cause, and show everyone who gave what.
Learn more →Easy steps to your first goal
Name it
Pick what you are saving for, the amount and the date. Chapaa tells you what to set aside each week.
Top up from your phone
Pay from any mobile money wallet. Set it to repeat and you never have to remember again.
Watch it grow, then cash out
See the finish date move closer every week. When you get there, send it to any bank account you like.
Two or more people. One goal. Zero arguments.
Start a group for anything with a number on it: a chama cycle, Grandma's medical bill, the office end-of-year party, a friend's wedding. Everyone contributes from their own phone and everyone sees the same balance.
Create the group, set the goal
Give it a name, a target and a deadline. Choose whether everyone pays the same or whatever they can. Invite members with a link or a phone number; they are in as soon as they accept.
- Equal shares or free contributions
- Set contribution reminders for the whole group
- Members join by phone number, no forms
Everyone pays in, everyone sees it
Each contribution shows up with a name and a time, so nobody has to ask "did you send yours?" in the WhatsApp group. The balance is live, straight from the bank.
- Live balance and full contribution history
- Gentle nudges to members who are behind
- Monthly statement for the group treasurer
Pay out only when the admins agree
Money leaves the group only after the admins you chose approve it. Send the whole amount to one person or split it between several members' bank accounts.
- Two-of-three admin approval, or whatever you set
- Split payouts across several bank accounts
- Every payout recorded with who approved it
Everything you need, in one app
Group savings
Two or more people save toward one target, with admin-approved payouts.
Create a group →Interest on savings
Earn on what you keep, paid by our partner bank straight into your goal.
Join waitlist →Chapaa plans. A licensed bank holds.
Chapaa is not a bank, and we never touch your money ourselves. Every deposit sits in a safeguarded account at our partner bank, regulated by the Bank of Tanzania. We build the app; they keep the vault.
Funds sit in segregated customer accounts, ring-fenced from Chapaa's own money.
Your savings go to the bank account you choose. No lock-in, no hidden fees.
Every account is ID-verified. Suspicious activity is flagged before money moves.
Handled under Tanzania's Personal Data Protection Act, 2022. We never sell it.
Got questions? We can help.
Is Chapaa a bank?
No. Chapaa is a savings app. All customer money is held by a licensed partner bank regulated by the Bank of Tanzania. Chapaa builds the goals, groups and reminders; the bank holds the funds.
How many people can be in a group?
A group needs at least two members and can grow to a full chama. Each group has at least one admin, and you decide how many admins must approve before money is paid out.
Which mobile money services can I use?
M-Pesa, Airtel Money, Mixx by Yas and HaloPesa, as well as bank transfers and cards.
Can I take my money out early?
Yes. It is your money. Withdrawals go to any bank account in Tanzania. For group goals, the payout follows the approval rule the group set.
Does it cost anything?
Opening goals and groups is free. Mobile money operators may charge their usual transfer fees, which we show before you confirm.