An incremental savings account for future investments targeting low and middle income segments.

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Product Features and Pricing

  • Opening balance of UGX 50,000, USD,GBP/EUR 50.
  • Minimum balance of UGX 30,000, USD,GBP/EUR 30.
  • One free over the counter withdrawal per quarter.


  • Higher interest rates for higher balances
  • Life Insurance, the beneficiary receives 4 times the account balance.
  • Permanent disability, the account holder receives two times the account balance held.
  • Funeral benefit, burial expenses of up to 1M will be paid.
  • In case of hospitalization for more than 3 days, 50,000 per day for a maximum of 14 days will be paid.
  • No monthly management fees
  • 1 free withdrawal per quarter
  • Free enrolment on SMS.
  • 24/7 support through our customer care Centre.


  • Ugandan National ID (or passport for non-Ugandans)
  • 2 Passport size photographs

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    Please tell us about yourself


    As the leader in mortgage financing in Uganda, we enable you to realize their housing and financial aspirations.

    Current Accounts

    Have the flexibility to exchange a wide range of currencies that you need at very competitive foreign exchange rates.

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    You can access the cash you need for your personal growth with our Personal Loans.

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    The time is here for you to buy that dream home! Get a Home Loan, Growing House Loan, Incremental Housing Loan or a Land Loan to purchase or complete your residential property.

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    Enjoy quick and flexible banking with our Mobile Banking App

    With only a few taps, get all your financial needs fulfilled through the HFB mobile app. It brings you convenient, fast, and secure banking on the go.