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SPECIFICTION
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Nebo

nebo.co.ke

Free plan iOSAndroidAPI
Visit nebo.co.ke
Spec score 8.5 #2 of 18 in Automated Savings Apps

What it is

Nebo is a free personal-finance app for everyday Kenyans who want to understand money, manage debt, and build financial habits. Its automatic savings feature rounds up spending and sends the difference to a selected savings goal. Users can create multiple goals and receive a financial plan based on income, expenses, and those goals. Debt tools centralize debts with repayment plans, payment reminders, and progress tracking. Nia, the app’s assistant, provides personalized financial guidance and recommendations 24/7. Spending breakdowns, savings and debt progress charts, and further recommendations provide ongoing financial views. Nebo says it works with M-Pesa, banks, and digital wallets, including M-Pesa, Equity Bank, KCB, Cooperative Bank, NCBA, Standard Chartered, Airtel Money, and T-Kash. It is free to download and start, with no subscription fees or hidden charges. Nebo says it uses 256-bit encryption, granular permission controls, and does not sell personal data. The app is listed for iOS 13+ and Android 8+ devices, with an API available for partners.

Spec sheet

What it does
Nebo is a Kenyan social-finance platform for tracking obligations, managing repayments, building savings habits and improving financial reputation.Read 15 Oct 2026 · linkedin.com
Purpose
Nebo helps users understand their money, manage debt, and build financial habits.Read 8 Oct 2026 · nebo.co.ke
Intended users
Nebo describes itself as designed for everyday Kenyans and its partnership program addresses lenders, SACCOs, debt collection agencies, payment partners, and fintech platforms.Read 8 Oct 2026 · nebo.co.ke
API
Nebo’s partnership page advertises a consent-based REST API with access to credit-score, profile and repayment operations.Read 15 Oct 2026 · nebo.co.ke
Integrations
Nebo lists M-PESA, Airtel Money, T-Kash, Equity Bank, KCB, Cooperative Bank, NCBA and Standard Chartered connections.Read 15 Oct 2026 · nebo.co.ke
Security
Nebo states that it uses 256-bit encryption, granular permissions and does not sell personal data.Read 15 Oct 2026 · nebo.co.ke
Support
Nebo says partner applications are reviewed within 3 business days and provides dedicated technical support during integration.Read 8 Oct 2026 · nebo.co.ke
Founded
LinkedIn lists Nebo’s founding year as 2025.Read 15 Oct 2026 · linkedin.com
Additional product scope
Founder Moses Maweu described planned or proposed capabilities including peer-to-peer lending, in-app credit-score growth, CRB-record visibility and beneficiary-directed life protection.Read 15 Oct 2026 · linkedin.com
AI assistant
Nia provides 24/7 personalized financial guidance and recommendations.Read 8 Oct 2026 · nebo.co.ke
Automatic savings
Nebo rounds up spending and directs the difference to a chosen savings goal.Read 8 Oct 2026 · nebo.co.ke
Company size
LinkedIn lists Nebo as having 2–10 employees.Read 15 Oct 2026 · linkedin.com
Company type
LinkedIn describes Nebo as a privately held financial-services company headquartered in Nairobi.Read 15 Oct 2026 · linkedin.com
Debt manager
The debt manager gives users a consolidated view of loans, HELB obligations and SACCO dues, with repayment ordering and due-date alerts.Read 15 Oct 2026 · nebo.co.ke
Debt tools
Nebo centralizes debts and offers repayment plans, payment reminders, and progress tracking.Read 8 Oct 2026 · nebo.co.ke
Developer documentation
Prospective partners are promised full API documentation, sandbox access and dedicated technical support during integration.Read 15 Oct 2026 · nebo.co.ke
Early access
The website presents Nebo as an early-access product with a waitlist for new features and regional launch access.Read 15 Oct 2026 · nebo.co.ke
Financial insights
Nebo provides spending breakdowns, savings and debt progress charts, and personalized recommendations.Read 8 Oct 2026 · nebo.co.ke
Financial planner
Nebo creates a personalized spending, saving and debt plan from the user’s financial information.Read 15 Oct 2026 · nebo.co.ke
Goals and planning
Users can set multiple savings goals and get a financial plan based on income, expenses, and goals.Read 8 Oct 2026 · nebo.co.ke
How onboarding works
The stated workflow is account creation, financial-profile questions, plan generation, account linking, automated progress tools and Nia guidance.Read 15 Oct 2026 · nebo.co.ke
Insights and reports
Nebo presents spending categories, savings and debt charts, comparisons and personalized recommendations.Read 15 Oct 2026 · nebo.co.ke
Launch status news
Alex Waweru’s launch post said the mobile application was still in development and invited users to join the waitlist.Read 15 Oct 2026 · linkedin.com
Limit: launch maturity
The company’s launch announcement characterized the product as close to launch and the mobile app as still being built.Read 15 Oct 2026 · linkedin.com
Limit: regulatory questions
A LinkedIn commenter questioned whether Nebo had an anchor banking partner for CBK compliance.Read 15 Oct 2026 · linkedin.com
Mobile requirements
The app is listed for iOS 13+ and Android 8+ devices.Read 8 Oct 2026 · nebo.co.ke
Nia assistant
Nia is described as a continuously available AI financial assistant that answers questions and gives personalized guidance.Read 15 Oct 2026 · nebo.co.ke
Partner API
Nebo offers partners open API access, consent-based data sharing, SDKs, sandbox access, and technical support.Read 8 Oct 2026 · nebo.co.ke
Partner integrations
The ecosystem page names PayHero, SasaPay, Fahari Capital and Optivus as partners.Read 15 Oct 2026 · nebo.co.ke
Payment reminders
The product sends cash-flow-aware reminders and allows payments to be snoozed or rescheduled.Read 15 Oct 2026 · nebo.co.ke
Praise: automation
The founder’s public description emphasizes that round-ups, goal saving and debt deductions automate routine financial progress.Read 15 Oct 2026 · linkedin.com
Rating on G2
G2 says there are not enough reviews to provide buying insight; its listing describes a different handwriting note-taking product also named Nebo.Read 15 Oct 2026 · g2.com
Regulatory limits
Nebo says it is not a bank, deposit-taking institution, payment service provider, or credit provider, and does not hold customer funds.Read 8 Oct 2026 · nebo.co.ke
Regulatory status
Nebo says it is not a bank, deposit-taking institution, payment service provider or credit provider, and that applicable services come from licensed third parties.Read 15 Oct 2026 · nebo.co.ke
Repayment plans
Users can configure repayment schedules with automated contributions and projected debt-free dates.Read 15 Oct 2026 · nebo.co.ke
Round-ups
Transactions can be rounded up automatically, with the difference directed to a selected savings goal.Read 15 Oct 2026 · nebo.co.ke
SDKs
The partnership page says SDKs are available for iOS, Android and web integrations.Read 15 Oct 2026 · nebo.co.ke
Security and privacy
Nebo says it uses 256-bit encryption, offers granular permission controls, and does not sell personal data.Read 8 Oct 2026 · nebo.co.ke
Self-hosting
No self-hosting or on-premises deployment option is stated on the opened official pages.Read 15 Oct 2026 · nebo.co.ke
Smart goals
Users can create multiple savings goals, automate contributions and monitor projected progress.Read 15 Oct 2026 · nebo.co.ke
Strategic investment
Alex Waweru stated that Oaktree Ventures Group made a strategic investment in Nebo.Read 15 Oct 2026 · linkedin.com
System requirements
The download page lists iOS 13 or newer and Android 8 or newer as supported device versions.Read 15 Oct 2026 · nebo.co.ke

Plans and prices

Free Free Free to download and free to start forever; no subscription fees No monthly fees · iOS 13+ or Android 8+ · early-access waitlist Read 15 Oct 2026 · nebo.co.ke

Every Nebo plan and price →

Strong points and limits

Strong points

  • Free with no subscription fees
  • Automatic card-spending roundups
  • Multiple goals and financial planning
  • Debt reminders and progress tracking
  • M-Pesa and bank integrations

Limits

  • Not a bank or credit provider
  • Does not hold customer funds
  • Requires iOS 13+ or Android 8+
  • Focused on everyday Kenyans

Who it suits

Nebo suits everyday Kenyan users managing savings, spending, and debt. Its partner API also addresses lenders, SACCOs, debt agencies, payment partners, and fintech platforms.

Verdict

Nebo combines automatic saving, goal planning, debt management, and personalized guidance in one free app. Its financial-institution limits are explicit, while mobile support and listed integrations define the intended setting.

Where Specifiction places it

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Goin From €1.33/mo · Free plan 8.3 Visit