SMART BANK for you who grow forward

Everything you need from a bank —
in one app.
Open an account in minutes.

BANK TODAY. FOR FREE

OPEN YOUR ACCOUNT IN MINUTES

No paperwork. No branch visits.
Just your phone and ID.

open an account

Step 1

Download the app

Step 2

Scan your ID and take a selfie

Step 3

Your account is open and the card is ready

YOUR CARD. EVERYWHERE.
WITH CASHBACK.

Virtual card, instantly

Yours the second you sign up

Your phone, your magic wand

Magic Pay turns your phone into your card. Tap anywhere it works.

Free physical card

Same-day pickup across Nairobi, or courier
when you want it

get the card

CASHBACK IN REAL MONEY. NOT POINTS.

Earn cashback on every card purchase — online and offline.
The more you spend,
the more
you earn back.

Twelve card only

− 1,900 KES

Grocery shop

+ 19 KES

Cashback earned

TAP WITH
MAGIC PAY

Bring your phone to the terminal —
Magic Pay does the rest.
Android only.

free twelve to Twelve

no fees
between

Send money to any Twelve user.
Instant and free.
Always.
No fees. No limits.

Send
2,000 KES

2,000 KES
Received

join twelve

PAY ANYTHING. FROM ANYWHERE.

Everything you’d switch apps for.
Now in one place.

Mobile money, built in

Pay any Till, Paybill, or Pochi number

Magic Pay. Camera does the typing.

Point your camera at any bill, Till number,
or QR code.
Magic Pay reads it, you confirm.

Daily moves, sorted

Send, pay, top up, shop — same app

Shopping

Utility bills

Airtime

Fast transfers

Transfers, your way

PesaLink and RTGS to banks. M-Pesa and Airtel for wallets.

multI-currency accounts
KES, USD, EVEN USDT

Hold, exchange, and spend across borders

No deposit fees

Real-time rates

Instant exchange

Global SWIFT transfers

UP TO 7.75% P.A. ON YOUR SAVINGS

Money grows while you sleep. Choose how.

FLEXIBLE WAY

Multiple goals, full flexibility.
Top up or withdraw anytime.

Up to 5.75% p.a.
Interest accrues daily, paid monthly
No minimum balance
Unlimited goals

Fixed WAY

Lock in for 3, 6, or 12 months.
Stay the full term to keep your interest.

Up to 7.75% p.a.
The longer the term, the higher the rate
Interest compounds monthly

Money saves
itself

Set a rule once.
Your savings grow
on autopilot.

Round up every card purchase
to the nearest 100 KES
Auto-save part of every top-up —
you set the %

start saving

Crypto,
built right in

Move USDT to or from any external wallet
Send and receive USDT from any external wallet
Hold the top 30 cryptocurrencies — track your portfolio live

go crypto

HUMANS + AI.
ALWAYS ON.

AI handles the quick stuff.
Humans handle the rest.
Always on, always in the app.

Pick your plan

Free forever

Start

Everything you need to get going.

Twelve card
All payment types
24/7 support
Savings
Crypto

KES 5,000/mo free mobile money transfers
0.5% cashback in KES on card purchases, up to KES 500/mo

get started

KES 490 monthly

SMART

More room to move.

Twelve card
All payment types
24/7 support
Savings
Crypto

KES 15,000/mo free mobile money transfers
1% cashback in KES on card purchases, up to KES 3,000/mo
Skip the queue for human support

get smarted

Twelve is
a smart bank

Twelve is a smart
Bank for Kenya’s
Dreamers and
Doers

for Kenya’s dreamers and doers

We win when you grow, we benefit when you benefit — that’s why we’ve built a modern bank that helps you make the most of your money.
Banking shouldn’t be a privilege.
It’s an everyday tool for you.
Bank today.

I’m IN