What is in for you
Empower Yourself
Harness AI for effortless self-registration and personalized banking solutions, redefining empowerment in modern finance.
Download Apenia App
Easily access Apenia via our intuitive app or dial *483*2002# for swift, AI-enhanced account setup, redefining convenience in banking.
24/7 Banking
Experience unparalleled banking convenience with Apenia, leveraging AI for 24/7 access, empowering you to manage finances anytime, anywhere.
Grow Your Savings
Leverage Apenia to optimize your financial potential with competitive interest rates, powered by AI, maximizing returns on your account balances.
Unlock Your Financial Goals
Empower your financial journey with Apenia's AI-driven credit access, seamlessly fulfilling your aspirations without unnecessary hurdles or delays.
What Apenia account can do
Borderless Cash Transfer with AI Efficiency.
Unlock the borders of financial transactions with cutting-edge cash transfer solutions boasting borderless capabilities, empowering individuals and businesses to effortlessly send and receive money globally. Leveraging digital platforms infused with AI technology, these services streamline international transactions, offering a cost-effective alternative to conventional banking wire transfers. Embrace the future of borderless finance with seamless and efficient cross-border money transfers.
AI-Powered Budgeting and Spending.
Embrace personal budgeting's power, mapping income, expenses, and savings goals. Modern tools streamline tracking spending, categorizing expenses, and setting budget limits. This fosters discipline, aiding in financial objectives and better money management.
Saving account.
Saving money involves setting aside a portion of income for future needs or emergencies. Savings can be kept in various financial instruments like savings accounts and investment accounts. Saving is a fundamental financial practice that provides financial security and enables individuals to achieve their long-term goals.SAVE & EARN Earn up to 12%* interest a year Goal Save is a savings tool that grows your money at interest rates that increase over time. You can add money whenever you want and take it out when you need it.
Investments.
Investment, powered by AI, entails deploying saved funds to generate returns through diverse assets like stocks, bonds, real estate, or mutual funds. While investments promise wealth growth and security, they entail varying risks. AI-driven portfolio diversification mitigates risks while optimizing financial growth. Leveraging predictive analytics, AI fine-tunes investment strategies, ensuring a balanced portfolio tailored to individual risk tolerance and financial objectives.
Global Payment.
Experience the future of cross-border transactions with AI-powered global payment solutions, facilitating seamless payments and transactions worldwide. These platforms excel in currency conversion, enabling users to transact in their preferred currency effortlessly. Leveraging advanced algorithms, global payment platforms streamline cross-border commerce, bolstering international trade and financial interactions. With AI at the helm, expect enhanced efficiency and accuracy, revolutionizing the way individuals and businesses engage in global financial transactions.
Multi-currency.
Unlock the power of AI-enhanced currency conversion services, facilitating effortless exchange between currencies at real-time rates. Vital for international endeavors like travel, trade, and investment, these services ensure seamless transactions across diverse currencies. Whether through banks, currency exchange bureaus, or online platforms, AI-driven currency conversion guarantees accuracy and efficiency, empowering individuals and businesses to navigate global financial landscapes with ease and confidence.
Personal Loan Comparison
Banks and traditional financial institutions
Most banks require many different document proofs, and applicants may have to submit the documents in person. Besides, online applications could be followed up by approvers from many different departments, which could result in a processing time of nearly 1-month from application to disbursement.
Apenia
By leveraging on A.I. and big data, income of applicants could be projected. Complete an application in only 2 steps1 and no extra documents6 are needed. Apply now and get the cash in as quick as 14 minutes4 !
Ms. Kamau, Jewelry shop owner
Successfully received a personal loan- Favourable APR (Annual Percentage Rate)
- Total repayment amount of KES513,000
To run a jewelry store, factory deposits need to be paid in advance for mass production. I couldn’t afford the prepayment. Hoping to expand my business, I decided to apply for a APENIA personal loan. At the end, I earned much more than the amount I spent on the loan interest. APENIA allows me to apply fully online and can enjoy low interest rates, so I can grow my business easily.
Interest rates may vary depending on the customer’s financial position and repayment record. The maximum annual percentage rate is 48.00%. The repayment period is typically between 3 months to 84 months. Apenia LIMITED reserves its absolute right on the final loan decision
Mr. K. Kabiga, Professional
- Successfully received a personal loan
- Favourable APR (Annual Percentage Rate)
- Total repayment amount of KES513,600
The stock market has been volatile recently and it is a good time to earn returns. I got a loan from APENIA because of the low interest rate and stable monthly repayments, which is suitable for conservative investors like me. Applying for a APENIA personal loan online and signing the loan agreement online on the same day allowed me to seize the opportunity while stock prices were rising and gave me the capital I needed in time.
Interest rates may vary depending on the customer’s financial position and repayment record. The maximum annual percentage rate is 48.00%. The repayment period is typically between 3 months to 84 months. Apenia LIMITED reserves its absolute right on the final loan decision