Welcome to NSSF Haba Haba!
NSSF Haba Haba is a flexible savings solution designed for members in the informal sector, making it easier to save for both short-term needs and long-term financial security.
With Haba Haba, you can start saving from as little as KES 25 a day using your mobile phone. Your savings are automatically divided between a short-term savings portion and long-term savings, helping you meet today’s needs while continuing to build for your future.
To access Haba Haba, dial *254# and follow the prompts.
What is NSSF Haba Haba?
NSSF Haba Haba is a digital savings platform developed for people working in the informal sector who may not have regular monthly contributions through formal employment.
Members can save flexibly depending on their income and circumstances:
- KES 25 per day
- KES 175 per week
- KES 400 per month
- You can also make additional voluntary contributions whenever you wish.
Your Haba Haba account is linked to your National ID, meaning you can retain access to your savings even if you change your mobile phone number.
How are your savings allocated?
Every contribution you make is automatically divided into two portions:
30% – Short-Term Savings
This portion is designed to provide members with greater flexibility to access part of their savings when needed, subject to the applicable Haba Haba withdrawal terms.
70% – Long-Term Savings
This portion helps you build savings for your future. After five years, 50% of the long-term savings becomes available for withdrawal, while the remaining amount continues to be preserved for your longer-term financial needs.
The 30:70 allocation is fixed and applies automatically to your contributions.
Why save with Haba Haba?
Haba Haba makes saving simple and accessible for people working in the informal economy. With Haba Haba:
- You can start saving with as little as KES 25 a day.
- You do not need a smartphone to access the service.
- You can save whenever you have income.
- Your savings earn interest, helping your money grow over time.
- You can check your savings balance conveniently through your mobile phone.
- Part of your savings is available for short-term needs while the larger portion is preserved for your future.
- You can nominate up to three beneficiaries and determine the percentage allocated to each.
- Your savings are managed by NSSF as part of its mandate to provide social security to workers in Kenya.
How do I access Haba Haba?
Simply dial *254# on your mobile phone and select NSSF Haba Haba.
You can use the service to manage your Haba Haba account, make contributions, check your savings and access available services.
No smartphone is required.
Who can join Haba Haba?
Haba Haba is designed for people working in the informal sector, including individuals whose income may be irregular and who are not contributing to NSSF through the formal employment contribution structure.
Already an NSSF member?
Haba Haba is a separate product from regular NSSF contributions.
If you are looking for information relating to your regular NSSF contributions, you can access NSSF member services through *303#, WhatsApp 0704 303303, or contact NSSF through the official customer service channels.
Your savings. Your future.
Whether you earn daily, weekly or monthly, Haba Haba gives you an opportunity to build the habit of saving while balancing your immediate needs with your long-term financial security.
Haba haba hujaza kibaba. Start saving today by dialing *254#.