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SPECIFICTION
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Tunzi

tunzi.money

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Spec score 7.4 #16 of 18 in Automated Savings Apps

What it is

Tunzi is a free savings and investment app for Android, iOS, and the web. It uses personal goals, reminders, progress tracking, group saving, and mobile-money-linked saving rules. Users can choose Quick Save, Round down, Save on Spend, or a 52 week challenge. Groups contain 2 to 15 members, and every member must approve a withdrawal. Tunzi states that Quick Save and normal goals earn 6% per year, while locked goals and the 52 week challenge earn 8%, with interest distributed daily. The app has no monthly charge or maintenance cost, but withdrawals cost RWF 200 to RWF 1,000 depending on transaction range. Requests are usually processed within 48 hours, excluding weekends and public holidays, and are sent through MTN mobile money to a linked number. Deposits are held in a custody bank, with investments handled by BK Capital. Tunzi says it is authorized by Rwanda’s Capital Markets Authority. Users must be at least 18.

Spec sheet

Purpose
Tunzi is a mobile based savings and investment app that uses goals, behavioral psychology, and gamification to help people save through mobile money.Read 7 Oct 2026 · tunzi.money
Mobile apps
Tunzi directs users to download the app from Google Play or the App Store.Read 7 Oct 2026 · tunzi.money
Security
Tunzi describes its app security as bank grade; its privacy policy says internet transmission is not completely secure and Tunzi cannot guarantee data security outside its direct control.Read 7 Oct 2026 · tunzi.money
Support
The FAQ directs users to the in-app help button for WhatsApp support and lists [email protected] as a contact email.Read 7 Oct 2026 · tunzi.money
Headquarters
Kigali, RwandaRead 28 Sep 2026 · tunzi.money
Custody and fund manager
Tunzi says deposited funds are held in a custody bank and investments are handled by fund manager partner BK Capital.Read 7 Oct 2026 · tunzi.money
Eligibility
The terms require users to be at least 18 years old and legally able to enter binding contracts.Read 7 Oct 2026 · tunzi.money
Group savings
Groups support 2 to 15 members, and every member must approve a group withdrawal before it is processed.Read 7 Oct 2026 · tunzi.money
Investment returns
The FAQ states that Quick Save and normal goals earn 6% per year, while locked goals and the 52 week challenge earn 8% per year, with interest distributed daily.Read 7 Oct 2026 · tunzi.money
Mobile money
The terms define MOMO as the MTN mobile money payment channel and say withdrawals are sent to the user's linked mobile number through MTN mobile money.Read 7 Oct 2026 · tunzi.money
Personal goals
Users can create and customize personal goals, set reminders, and track progress against a target.Read 7 Oct 2026 · tunzi.money
Privacy and data
The privacy policy says Tunzi may access contacts and MTN mobile money messages with permission, and stores personal data on Google Cloud servers.Read 7 Oct 2026 · tunzi.money
Regulatory status
Tunzi states that it is authorized by Rwanda's Capital Markets Authority to offer its investment platform.Read 7 Oct 2026 · tunzi.money
Saving rules
The app offers Quick Save, Round down, Save on Spend, and a 52 week savings challenge.Read 7 Oct 2026 · tunzi.money
Withdrawal fees
Tunzi says the app is free to use and lists withdrawal fees ranging from RWF 200 to RWF 1,000 for transaction ranges from RWF 500 to RWF 1,000,000.Read 7 Oct 2026 · tunzi.money
Withdrawal timing
Withdrawal requests are usually processed within 48 hours, excluding weekends and public holidays.Read 7 Oct 2026 · tunzi.money

Plans and prices

Tunzi Free Free to use · no monthly charge or maintenance cost · withdrawal fees apply Read 7 Oct 2026 · tunzi.money

Every Tunzi plan and price →

Strong points and limits

Strong points

  • Free with no monthly charge
  • Supports personal and group goals
  • Offers several saving rules
  • States daily interest distribution
  • Available on Android, iOS, and web

Limits

  • Withdrawal fees range from RWF 200 to RWF 1,000
  • Withdrawals use MTN mobile money
  • Requests may take 48 hours
  • Users must be at least 18

Who it suits

Tunzi suits adults in Rwanda who want goal-based saving, group saving, or mobile-money withdrawals. It is also relevant to users seeking stated interest on selected savings products.

Verdict

Tunzi combines goal tracking, group approvals, saving rules, and stated interest rates in one free app. Withdrawal charges, MTN mobile-money delivery, and adult eligibility define important usage boundaries.

Where Specifiction places it

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