XENO Investment
Plan, save and invest
Free · Designed for iPad. Not verified for macOS.
Over 850,000 East Africans use XENO to invest. You don't need to be an expert to start growing your money.
You tell us what you're saving for, and we build a personalised plan to get you there. You can set up AutoSave once with Mobile Money or your bank, and your money earns in the background. We put your money in regulated funds for steady, safe growth. You track it all from a straightforward dashboard.
You can start with UGX 10,000 in Uganda or KES 500 in Kenya.
Deposit from MTN, Airtel or Bank in Uganda and MPESA or Bank in Kenya.
Deposits and Withdrawals from MTN and Airtel in Uganda are Free of Charge.
Regulators:
- Capital Markets Authority (CMA) Uganda & Kenya
- Retirement Benefits Regulatory Authority (URBRA)
Copyright © 2026 XENO Technologies, Inc. All rights reserved.
more You spoke, and we listened. We've made improvements to make achieving your financial goals even easier.
1.9.5 Jul 20
You spoke and we heard. We've been cooking, to make reaching your financial goals even more effortless. Here is what’s waiting for you in this version.
AutoSave Bank is Back: Consistency just got easier. You can now set up an AutoSave on your Stanbic Bank account to pay "Future You" first, automatically.
1.9.4 Jun 16
We’ve been busy polishing the XENO experience to make reaching your financial targets even more effortless.
Love the app? Leave us a review! Your feedback helps us build a better XENO for everyone.
1.9.3 Mar 10
We listened to your feedback, and we are rolling out some upgrades to improve your XENO experience.
What you'll love:
Faster Login: New sign-in options with Apple or Google.
Easier Sharing: Our new Referral links make it simpler to introduce your friends to XENO.
Smoother Sign-up: New users will find a shorter, refreshed goal setup process.
1.9.1 11/05/2025
We listened to your feedback, and we are rolling out some upgrades to improve your XENO experience.
What you'll love:
Faster Login: New sign-in options with Apple or Google.
Easier Sharing: Our new Referral links make it simpler to introduce your friends to XENO.
Smoother Sign-up: New users will find a shorter, refreshed goal setup process.
1.9.0 10/28/2025
A Better, Faster and Safer XENO experience.
Secondary phone number (Opt-in): Great news, You can now add a secondary phone number to your profile while making your deposit.
Improvements & Fixes: We've made some easy on the eye UI improvements meant to enhance your XENO experience.
Thank you for trusting XENO!
1.8.9 08/28/2025
Your XENO experience just got smoother!
Goal Nudges: Get timely, motivating prompts to keep your financial goals on track.
MoMo AutoSave Updates: We’ve fine-tuned AutoSave to ensure your savings run like clockwork.
General Updates and Fixes: Made some changes to improve stability and performance.
Thank you for trusting XENO!
1.8.8 07/14/2025
Your XENO experience just got smoother!
Goal Nudges: Get timely, motivating prompts to keep your financial goals on track.
MoMo AutoSave Updates: We’ve fine-tuned AutoSave to ensure your savings run like clockwork.
General Updates and Fixes: Made some changes to improve stability and performance.
Thank you for trusting XENO!
1.8.7 07/07/2025
A Better, Faster and Safer XENO experience.
We've optimized app performance and made some easy on the eye UI improvements meant to enhance your XENO experience.
1.8.6 05/29/2025
A Better, Faster and Safer XENO experience.
We've made some easy on the eye UI improvements meant to enhance your XENO experience.
1.8.5 05/09/2025
An improved login experience
This update boosts of an improved login experience after noticing some challenges.
Thank you for trusting XENO.
1.8.4 04/30/2025
A Better, Faster and Safer XENO experience.
We’ve turbocharged the Account Dashboard for faster loading, and Tulumbe Morocco now lets you make your first deposit and switch on AutoSave—making that AFCON 2025 dream trip one step closer.
Thank you for trusting XENO!
1.8.3 04/18/2025
A Better, Faster and Safer XENO experience.
We’ve turbocharged the Account Dashboard for faster loading, and Tulumbe Morocco now lets you make your first deposit and switch on AutoSave—making that AFCON 2025 dream trip one step closer.
Thank you for trusting XENO!
1.8.2 04/16/2025
Tulumbe Morocco is here!
Save smart, travel loud & cheer proud at AFCON 2025!
Pick from 3 epic plans, AutoSave with zero stress & no fees via MTN/Airtel.
Be AFCON-ready by Dec 2025.
Thank you for trusting XENO!
1.8.1 04/09/2025
A Better, Faster and Safer XENO experience.
Airtel Money withdraws: You can now withdraw money directly to your Airtel number.
Secondary phone numbers: You can now add secondary phone numbers to your profile for deposits and withdrawals.
Thank you for trusting XENO!
1.7.8 04/02/2025
A Better, Faster and Safer XENO experience.
Airtel Money withdraws: You can now withdraw money directly to your Airtel number.
Secondary phone numbers: You can now add secondary phone numbers to your profile for deposits and withdrawals.
Thank you for trusting XENO!
1.7.7 03/31/2025
A Better, Faster and Safer XENO experience.
Airtel Money withdraws: You can now withdraw money directly to your Airtel number..
Secondary phone numbers: You can now add secondary phone numbers to your profile for deposits and withdrawals.
Thank you for trusting XENO!
1.7.6 03/20/2025
A Better, Faster and Safer XENO experience.
Planner fix: Run advanced personalized scenarios and see how investing could grow your savings.
Thank you for trusting XENO!
1.7.5 02/21/2025
New Year, new Improvements!
Edit phone Number: You can now Edit your phone number to a number that suits your liking and simplifies your savings journey.
Fund for Another: Be it your best friend, your spouse or your boss, you can now ask "Eleta manya ki?" because we've made it easy to deposit towards another person's goal. Enjoy a more seamless, guided experience that will make saving easier.
And so much more: We've made some easy on the eye UI improvements meant to enhance your XENO experience.
Thank you for trusting XENO!
1.7.4 02/05/2025
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New Year, new Improvements!
Edit phone Number: You can now Edit your phone number to a number that suits your liking and simplifies your savings journey.
Fund for Another: Be it your best friend, your spouse or your boss, you can now ask "Eleta manya ki?" because we've made it easy to deposit towards another person's goal. Enjoy a more seamless, guided experience that will make saving easier.
And so much more: We've made some easy on the eye UI improvements meant to enhance your XENO experience.
Thank you for trusting XENO!
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1.7.3 01/29/2025
A Better, Faster and Safer XENO experience.
Deposits: Depositing money towards your goals is now simpler. Save more easily with a more streamlined, guided experience.
Thank you for trusting XENO!
1.7.2 11/26/2024
Christmas came early!
AutoSave: AutoSave is now available via Bank, starting with Stanbic Bank! You can now setup automatic contributions to your XENO goal directly from your bank account.
All-new deposit experience: It's now easier to make deposits towards your goals. Enjoy a more seamless, guided experience that will make saving easier.
And so much more: We've made some easy on the eye UI improvements meant to enhance your XENO experience.
Thank you for trusting XENO!
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1.7.1 11/15/2024
- Bug Fixes
1.7.0 11/13/2024
- Bug fixes
1.6.3 09/19/2024
- Bug Fixes
1.6.2 08/27/2024
You spoke, and we listened. We've made improvements to make achieving your financial goals even easier.
more Version 1.9.5 Jul 20
Data Used to Track You The following data may be used to track you across apps and websites owned by other companies:
Data Linked to You The following data may be collected and linked to your identity:
