Rukisha

Rukisha is a digital service operated by CPF Financial Services. We are not a bank. All payment, banking, and card services inside Rukisha are delivered in
partnership with licensed and regulated institutions.
MOVE MONEY INSTANTLY
• Send to any Rukisha wallet, M-PESA line, or bank account
• PesaLink, RTGS, and EFT transfers through our licensed banking partners
• Save your favourite recipients for one-tap sends

SAVE AUTOMATICALLY AS YOU SPEND
Turn on Save As You Spend and Rukisha puts 1–15% of every transaction into your savings wallet. No discipline required — you save while you live your life.
WELFARE WALLETS FOR REAL LIFE
Keep dedicated pots for Health, Education, and Holiday. When the moment comes, the money is already there.

PAY BILLS AND MERCHANTS, NO USSD
Paybill, Till, school fees, rent, insurance — pay anyone with a number, right from your wallet.

RUKISHA SMART PAY CARD
A Mastercard-powered card issued by Diamond Trust Bank Kenya Ltd (DTB), tracking every shilling you spend and working seamlessly with your Rukisha savings
rules.

LICENSED & REGULATED PARTNERS
• Banking and settlement: NCBA Bank Kenya PLC and Diamond Trust Bank Kenya Ltd, both licensed by the Central Bank of Kenya (CBK)
• Card issuance: Diamond Trust Bank Kenya Ltd, licensed by the Central Bank of Kenya (CBK)
• Payment service provider (PSP): Kasapay, authorised by the Central Bank of Kenya (CBK)
• M-PESA services: delivered through Safaricom PLC
• Card network: Mastercard

Your funds are held and moved only through these licensed partners. Rukisha itself does not hold customer deposits.
BUILT FOR SECURITY
Fingerprint sign-in. Every transaction confirmed with a PIN or biometrics. Your session never leaves your phone unlocked.
DIASPORA-FRIENDLY
Send money home, fund a wallet from card, pay fees or rent directly — from anywhere in the world.
Rukisha is built by CPF — a name Kenyans have trusted with their money for decades — now with a modern, private-first mobile experience.
Pay. Save. Welfare.