How I&M Bank Has Made Saving Fun And Rewarding For Kenyans

For a long time, saving money sounded like a chore. It felt like a long, lonely journey filled with sacrifices, budgeting spreadsheets, and delayed gratification. But that view is changing fast — saving doesn’t have to be stiff or joyless anymore. In fact, it can be light, exciting, and even rewarding.

Take I&M Bank’s “Shinda Millioni” campaign — a refreshing twist that turns saving into something you actually look forward to. With just Ksh 2,000 in your account, you automatically qualify for weekly and monthly draws where real people win real cash. Every week, ten lucky savers each take home Ksh 50,000, and every month, one winner takes home a cool million.

It’s simple, really: make saving fun, make it worthwhile, and give people a reason to stay consistent.

This approach has captured people’s attention because it redefines what saving means. It’s not about denying yourself — it’s about building your future while enjoying the process. There’s an undeniable thrill in knowing that your discipline could lead to an unexpected reward.

Real People, Real Wins

One of the most inspiring stories from the Shinda Millioni campaign is that of Dorcas Wanga, a recent winner whose story continues to motivate small business owners across Kenya. Her journey is proof that success grows from small, steady steps.

For entrepreneurs managing tight budgets and everyday challenges, this kind of win brings renewed hope. It shows that saving, no matter how modest, is always worth it.

Why This Matters

Kenya still has a long way to go in building a strong savings culture. According to the Central Bank, only a small portion of adults save consistently. Many people think saving is for those who “earn enough,” but I&M Bank is changing that mindset.

By keeping the entry point low, the process simple, and the rewards exciting, I&M makes saving accessible to everyone. It’s about taking the fear out of finance and replacing it with participation, confidence, and community.

And with the I&M On The Go (OTG) App, everything is right at your fingertips. You can open an account, deposit, and track your progress straight from your phone — no paperwork, no queues, no stress.

Building the Habit That Builds You

Beyond the prizes, the true reward is the saving habit itself. Once you start, it’s hard to stop — seeing your balance grow changes the way you think about money. You start dreaming bigger, planning better, and celebrating every small win along the way.

What’s beautiful about Shinda Millioni is its sense of community. Every week brings new winners and shared stories, creating a ripple of encouragement that makes you want to stay the course. Saving no longer feels like a solo mission — it feels like a movement.

Start Small, Dream Big

Saving doesn’t have to be boring or stressful. It can be something that sparks joy and optimism. Whether you’re an entrepreneur, an employee, or a freelancer, starting with Ksh 2,000 could be your first step toward a brighter financial future — and who knows, maybe even the next call announcing you as an I&M millionaire.

So go ahead, start today. Save a little, stay consistent, and let I&M Bank show you that saving can truly pay off, in more ways than one.

Read Also: Why I&M Bank Is Paying Customers To Deposit Cash