Savings products designed for discipline, visibility, and shared growth.
Gataama Savings combines personal goals, share-based monthly commitments, and group saving structures so members can choose a disciplined path that matches their financial reality.
Personal goal-based saving
Structured recurring contributions
Member and group discipline
Savings Philosophy
The platform is built around the idea that consistent savings habits matter more than vague promises. That is why the products are structured around contribution clarity, recurring patterns, and member accountability.
Share-Based Monthly Savings
The core savings model where each share held translates directly into a fixed monthly contribution obligation.
Each share is priced at UGX 10,000.
Each share creates a matching monthly savings amount of UGX 10,000.
Members can scale their plan based on what they can realistically sustain.
Personal Savings Account
The main personal savings account can hold multiple purpose-specific sub savings accounts while still keeping one clear member relationship.
Supports child-focused, festive, and education-focused sub savings structures.
Balances and progress can still be viewed in one coordinated member experience.
Improves consistency by connecting savings behavior to specific household priorities.
Group Savings Workflows
Savings groups can coordinate shared contributions, visibility, and member participation more clearly.
Supports collective discipline and contribution accountability.
Makes shared activity easier to review and communicate.
Pairs well with member-led clubs, SACCO-like groups, and community saving circles.
Supporting Features
Monthly social or emergency fund contributions complement the main savings commitment.
Standing-order and repeat payment workflows make savings behavior easier to maintain.
Transparent records and support access reduce confusion when members need clarification.
Move Forward
Savings works best when it connects to the rest of your member plan.
After understanding the savings structures, members can review account types, pricing, and credit options so their full financial journey stays consistent.
Personal Savings Family
One personal savings account, multiple focused sub savings journeys.
Instead of forcing education, festive planning, and child-focused saving into one generic balance, Gataama can structure them as dedicated sub accounts under the main personal savings relationship.
Junior Saver Account
A trustee-managed savings pot that helps children build strong money habits early.
Members can open a Junior Saver Account on behalf of their children, grandchildren, or young relatives and manage it responsibly until the child matures into direct control.
Best For
Parents, guardians, and family members saving for children in their household.
The account is held in the child's name and managed by a trustee until the child reaches age 16.
The trustee is usually the member opening the account, but another adult can be nominated where appropriate.
The child should live at the same address as the nominating member to satisfy account rules.
How It Works
Open the account under your personal savings profile as a child-focused sub account.
Fund it gradually for school needs, future support, or disciplined monthly saving.
Track the balance separately from your main personal savings wallet.
Christmas Saver Account
A ring-fenced festive savings pot so end-of-year spending does not disrupt the rest of the household plan.
Christmas Saver helps members build up holiday funds gradually instead of waiting for December pressure. It sits under the personal savings account but keeps festive money visibly separate.
Best For
Members planning ahead for holiday shopping, travel, gifts, and year-end family obligations.
Separates festive savings from everyday personal balances.
Encourages small recurring deposits throughout the year instead of last-minute borrowing.
Makes year-end spending easier to plan without affecting emergency or school funds.
How It Works
Create the Christmas sub account inside your personal savings profile.
Set a target amount and fund it through recurring deposits or manual top-ups.
Use the reserved balance when festive expenses arrive.
School Saver Account
A dedicated education fund for tuition, scholastic materials, transport, and term-start obligations.
School Saver allows members to protect education funds from day-to-day spending by keeping them in a dedicated personal sub account with a clear purpose and target timeline.
Best For
Members saving for school fees, uniforms, books, transport, and back-to-school readiness.
Improves visibility for education-focused saving goals.
Works well for parents, guardians, or members supporting siblings and dependants.
Keeps tuition and school-related contributions separate from other personal commitments.
How It Works
Open the School Saver sub account under personal savings.
Assign a target linked to term dates, tuition deadlines, or education supplies.
Monitor progress independently from your main personal wallet and other sub accounts.