Savings Clubs
A shared group wallet where everyone sees the same ledger. Contributions, rules, and payouts happen on their own.
Run transparent savings clubs, grow your personal wealth, and invest in licensed East African unit trusts, all on one living ledger.
It all runs on one transparent ledger. Every contribution, return, and repayment shows up in the same place, for everyone to see.
A shared group wallet where everyone sees the same ledger. Contributions, rules, and payouts happen on their own.
Your own wallet and portfolio sit right next to the club, so every shilling you save and grow stays in one place.
Put idle cash to work in licensed East African unit trusts and money market funds, right from the app.
Browse and compare licensed funds. Move your money in and out so it never sits still.
Members can borrow from the club's own pooled funds. The club votes, and every repayment is tracked.
When a group saves together, small monthly amounts add up fast. A club can reach the kind of funds people rarely get to on their own, then let the money keep compounding.
Estimated yield set at 11% p.a., representing typical returns from licensed Ugandan Money Market Funds and unit trusts. Actual rates fluctuate.
Encrypted, access-controlled, and built on audited financial systems.
Every shilling is recorded twice and reconciled. Numbers everyone can trust.
Investments are placed only with CMA-licensed East African fund managers.
My savings group was always arguing about money. With a proper digital ledger, everyone sees the same numbers. No more disputes.
I never knew how to access a Money Market Fund. OmutiClub makes it feel as easy as sending mobile money.
The club advances feature is what sold me. The club votes, advances come from our own pooled funds, and every repayment is recorded automatically.
Everything you need to know about OmutiClub, clubs, and how your money is managed.
No. OmutiClub is a financial coordination platform. We are not a bank, broker, dealer, fund manager, or investment adviser. Your investments are placed with licensed, CMA-regulated fund managers. OmutiClub never holds client funds directly.
A savings club is a group of trusted people who pool regular contributions into a shared fund. Traditionally called chama, ROSCA, or omuti, these groups have existed across East Africa for generations. OmutiClub brings this model online, with transparent ledgers, clear rules, and access to licensed investment channels.
You choose from licensed Ugandan asset managers: Money Market Funds, Unit Trusts, and similar regulated products. OmutiClub sends your allocation instructions to those managers on your behalf. You always see where every shilling is and what it is earning.
There is no platform-imposed minimum. Individual clubs set their own contribution thresholds. The licensed managers we work with have varying minimums. Most Money Market Funds in Uganda start at UGX 100,000 or less for group pooled investments.
Clubs can make member advances from their own pooled funds. Each advance is governed by member votes and issued with a written digital agreement, repayment schedule, and multi-member approval. Repayments flow back into the pool with interest, benefiting every member. OmutiClub is a coordination and record-keeping platform, not a lender. There are no informal agreements, and everything sits on the ledger.
Everywhere. OmutiClub runs in any browser at app.omuticlub.com with no download needed, and the Android app is now live on Google Play. Search for OmutiClub on the Play Store, or tap the Get it on Google Play button on this page.
Your investments are held with regulated fund managers, not OmutiClub. We use industry-standard encryption for all data. Clubs have multi-approval governance so no single person can move money unilaterally. Full audit trails are permanent and visible to all club members.
Still have questions?
Email us at support@omuticlub.comOmutiClub runs in any browser right now, and the Android app is live on Google Play.