Grow their
future.
Plant a seed today and watch it grow. Start saving from day one, backed by a licensed mutual bank.
Three steps to their future
Open in minutes, contribute your way, and let compound growth do the quiet work over the years.
Plant the seed
Open a Kovuna account for your child in minutes. No paperwork queues, no branch visit.
Water it often
Set a monthly amount or add whenever you can. Family and grandparents can chip in too.
Watch it grow
Compound growth builds quietly until they reach the milestone you saved for.
A little seed on the fridge
Kovuna is a small character your child keeps on the fridge. Anyone who visits taps their phone to add to the savings, and family far away scan its QR code from their own kitchen.
Tap to contribute
Any visitor taps their phone against the character. The amount they choose lands in your child's savings in seconds. No app, no account.
Share the QR
Can't visit? Every character has its own QR code. Grandparents in London or Dubai scan it and contribute from anywhere.
Held by the bank
Contributions sit safely with eNL Mutual Bank and stay accessible to you, growing while your child does.
Choose a design, or commission one made just for your child.
Built for the long game
Everything a parent wants in a savings plan that has to last eighteen years.
Start from R50
No minimum that locks anyone out. Begin small and grow the contribution as life allows.
Bank-grade safe
256-bit encryption and a licensed mutual bank holding the funds. Your child's money is protected.
Compound growth
Interest on interest. The earlier you plant, the more the seed multiplies by milestone day.
Whole family saves
Share a link so grandparents, aunts and uncles can add to the pot on birthdays and holidays.
3D-printed, one at a time
Every Kovuna character is printed one at a time by a South African designer, not stamped out in a factory. Slight imperfections come with the territory. That is the point.
Made for one child
A character a designer makes for your kid carries meaning a box-store toy never will, because it was made for them.
Ships in an envelope
Your character arrives in the post with the NFC chip already inside, packed one at a time.
Designers earn
Have a 3D printer? Print Kovuna characters into a real customer queue and keep most of every sale.
See the seed become a forest
Move the slider to see what a monthly contribution could become by the time they turn eighteen.
Illustrative only. Returns are not guaranteed.
Assumes level monthly contributions and the selected annual growth rate, compounded monthly.
Their future, properly protected
Kovuna is held inside eNL Mutual Bank, a licensed, community-owned South African bank.
Licensed mutual bank
Regulated under the Mutual Banks Act 124 of 1993, registration MB0034.
Bank-grade encryption
Every session is protected with 256-bit encryption end to end.
Community owned
A Black-owned, women-led mutual bank built on inclusion and ownership.
Withdraw at milestone
Funds unlock at the milestone you choose, education, first car, or eighteenth.
Questions, answered
Any parent or guardian can open a Kovuna account for a child. Family members can contribute once it is open.
You can start from R50 a month. There is no large lump sum required, plant the seed and grow it over time.
Yes. Funds are held inside eNL Mutual Bank, a licensed institution under the Mutual Banks Act, with bank-grade 256-bit encryption.
You choose the milestone, education, a first car, or their eighteenth birthday. Funds unlock at that point.
Absolutely. Share a secure link and the whole family can add to the pot on birthdays and holidays.
Plant their seed today
It takes a few minutes to open. The eighteen years of growth start the day you do.
Start saving