Nebo

Free plan AndroidAPIiPhone

What Nebo is

Nebo is a personal finance app designed for everyday Kenyans to understand their money, manage debt, and build financial habits. Its automatic savings feature rounds up spending and sends the difference toward a savings goal. Users can create multiple goals and receive a financial plan based on income, expenses, and those goals. Debt tools bring debts together with repayment plans, payment reminders, and progress tracking. Nebo’s assistant, Nia, provides personalized financial guidance and recommendations 24/7. The app also offers spending breakdowns, charts tracking savings and debt progress, and personalized recommendations. Nebo says it connects with M-Pesa, banks, and digital wallets. Its download page names M-Pesa, Equity Bank, KCB, Cooperative Bank, NCBA, Standard Chartered, Airtel Money, and T-Kash. Nebo says it uses 256-bit encryption, offers granular permission controls, and does not sell personal data. The app is free to download and start, with no subscription fees or hidden charges. Nebo says it is not a bank, deposit-taking institution, payment service provider, or credit provider, and does not hold customer funds. It also offers partners open API access, consent-based data sharing, SDKs, sandbox access, and technical support.

Who it suits

Nebo suits people in Kenya who want to plan savings, track spending, or organize debt using a mobile finance app. Its partner API and integration support are also directed at lenders, SACCOs, debt collection agencies, payment partners, and fintech platforms.

What it does well

Rounds up spending toward a chosen savings goal.
Supports multiple goals and financial plans based on income and expenses.
Debt tools include repayment plans, reminders, and progress tracking.
Nia provides personalized guidance and recommendations 24/7.
Works with named Kenyan banks, M-Pesa, and digital wallets.
Free to download and start, with no subscription fees.

What to know first

The app requires iOS 13+ or Android 8+.
Nebo does not hold customer funds and is not a bank or payment service provider.

Plans

Plan	Billed and limits	Price
Free	Free to download and free to start forever; no subscription fees · No monthly fees · iOS 13+ or Android 8+ · early-access waitlist	Free

As nebo.co.ke lists them, read 15 Oct 2026. The maker's own page has the final word.

Getting started

Visit the Nebo website.
Download Nebo for an iOS 13+ or Android 8+ device.
Connect an available M-Pesa, bank, or digital wallet account.
Set savings goals and build a financial plan from your income, expenses, and goals.

Verdict

Pick Nebo if you want a free app for savings goals, debt tracking, and financial guidance, particularly if you use one of its listed integrations. Look elsewhere if you need a provider that holds customer funds or operates as a bank, payment service provider, or credit provider.

Questions

Is Nebo free?

Yes. The Free plan costs nothing, and Nebo says it is free to download and start with no subscription fees or hidden charges.

Which devices support Nebo?

Nebo lists Android and iOS. Its mobile requirements are Android 8+ and iOS 13+.

Which services can Nebo connect with?

Nebo says it works with M-Pesa, banks, and digital wallets. Its download page names M-Pesa, Equity Bank, KCB, Cooperative Bank, NCBA, Standard Chartered, Airtel Money, and T-Kash.

Does Nebo hold my money?

No. Nebo says it does not hold customer funds and is not a bank, deposit-taking institution, payment service provider, or credit provider.

Does Nebo offer an API for partners?

Yes. Its partner offering includes open API access, consent-based data sharing, SDKs, sandbox access, and technical support.

What protections does Nebo describe for personal data?

Nebo says it uses 256-bit encryption and granular permission controls, and does not sell personal data.

Facts from Nebo's own pages

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. · linkedin.com, 15 Oct 2026
AI assistant: Nia provides 24/7 personalized financial guidance and recommendations. · nebo.co.ke, 8 Oct 2026
API: Nebo’s partnership page advertises a consent-based REST API with access to credit-score, profile and repayment operations. · nebo.co.ke, 15 Oct 2026
Automatic savings: Nebo rounds up spending and directs the difference to a chosen savings goal. · nebo.co.ke, 8 Oct 2026
Company size: LinkedIn lists Nebo as having 2–10 employees. · linkedin.com, 15 Oct 2026
Company type: LinkedIn describes Nebo as a privately held financial-services company headquartered in Nairobi. · linkedin.com, 15 Oct 2026
Debt manager: The debt manager gives users a consolidated view of loans, HELB obligations and SACCO dues, with repayment ordering and due-date alerts. · nebo.co.ke, 15 Oct 2026
Debt tools: Nebo centralizes debts and offers repayment plans, payment reminders, and progress tracking. · nebo.co.ke, 8 Oct 2026
Developer documentation: Prospective partners are promised full API documentation, sandbox access and dedicated technical support during integration. · nebo.co.ke, 15 Oct 2026
Early access: The website presents Nebo as an early-access product with a waitlist for new features and regional launch access. · nebo.co.ke, 15 Oct 2026
Financial insights: Nebo provides spending breakdowns, savings and debt progress charts, and personalized recommendations. · nebo.co.ke, 8 Oct 2026
Financial planner: Nebo creates a personalized spending, saving and debt plan from the user’s financial information. · nebo.co.ke, 15 Oct 2026
Founded: LinkedIn lists Nebo’s founding year as 2025. · linkedin.com, 15 Oct 2026
Goals and planning: Users can set multiple savings goals and get a financial plan based on income, expenses, and goals. · nebo.co.ke, 8 Oct 2026
How onboarding works: The stated workflow is account creation, financial-profile questions, plan generation, account linking, automated progress tools and Nia guidance. · nebo.co.ke, 15 Oct 2026
Insights and reports: Nebo presents spending categories, savings and debt charts, comparisons and personalized recommendations. · nebo.co.ke, 15 Oct 2026
Integrations: Nebo lists M-PESA, Airtel Money, T-Kash, Equity Bank, KCB, Cooperative Bank, NCBA and Standard Chartered connections. · nebo.co.ke, 15 Oct 2026
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. · nebo.co.ke, 8 Oct 2026
Launch status news: Alex Waweru’s launch post said the mobile application was still in development and invited users to join the waitlist. · linkedin.com, 15 Oct 2026
Limit: launch maturity: The company’s launch announcement characterized the product as close to launch and the mobile app as still being built. · linkedin.com, 15 Oct 2026
Limit: regulatory questions: A LinkedIn commenter questioned whether Nebo had an anchor banking partner for CBK compliance. · linkedin.com, 15 Oct 2026
Mobile requirements: The app is listed for iOS 13+ and Android 8+ devices. · nebo.co.ke, 8 Oct 2026
Nia assistant: Nia is described as a continuously available AI financial assistant that answers questions and gives personalized guidance. · nebo.co.ke, 15 Oct 2026
Partner API: Nebo offers partners open API access, consent-based data sharing, SDKs, sandbox access, and technical support. · nebo.co.ke, 8 Oct 2026

Where Nebo stands on Freedom251

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