Start Your Journey with Apenia
A step-by-step guide to smarter saving, borrowing, and financial freedom.
Download the App
Visit the Google Play Store or Apple App Store. Install the app quickly on your Android or iOS device. Open it up to begin your journey toward smarter finances.
Create Your Apenia Account
Sign up using your phone number or email. Provide your name, national ID/passport, and create a secure PIN. Accept the terms and privacy policy.
Verify Your Identity (KYC)
Upload a photo of your ID or passport. Take a quick selfie for verification. This fast process unlocks full platform capabilities.
Link Payment Methods
Add your preferred funding source: M-PESA, Airtel Money, or Bank Account. Emphasize instant deposits/withdrawals via mobile money.
Access All Financial Products in One Place
Create or Join a Group: Save together with friends or your community. Apply for a Loan: Get instant loan approvals — no paperwork. Withdraw Cash: Seamless, secure transfers to your phone or bank. Pay Bills with Ease: Pay utilities and more with a tap.
All Your Financial Needs in One Smart App
With Apenia, all your money needs are handled in one smart app — from saving and borrowing to spending and paying bills. Experience the convenience of comprehensive financial management powered by AI.
Ready to take control of your finances?
Download the Apenia app today and start your journey to financial freedom