Products

Savings products built for real YES member goals.

Choose from flexible daily saving, disciplined fixed plans, family-focused saving, and legacy growth.

Plan options

6 products

Min contribution

From E10

Plan fit

Pick your match

YES members

Secure & trusted

Your money is protected with strong safeguards.

Flexible choices

Plans designed for daily, short-term, and long-term goals.

Built for members

Exclusively for YES members and their families.

Grow with purpose

Save today for the life you envision tomorrow.

How joining works

Become a member, then choose products that fit your goals.

Savings products unlock after YES activates your membership. Every payment uses your unique member reference.

  1. 01

    Create your account

    Sign up with your email, name, and phone. You receive a unique payment reference for every payment.

  2. 02

    Verify your identity

    On My Account, upload your national ID and submit your details, location, and next of kin.

  3. 03

    Pay the joining fee (E200)

    Pay the one-time E200 joining fee using your payment reference (MoMo, bank, or in person).

  4. 04

    Wait for YES activation

    YES reviews your application and payment, then activates your membership. This is not instant — please allow review time.

  5. 05

    Save, buy shares, and grow

    Once active, buy shares, pay the E100 annual subscription, use savings products, and apply for loans when eligible.

Joining fee

E200 (once)

Annual subscription

E100

Share capital target

E500 (5 shares × E100)

Savings plans

Pick the plan that matches your goal.

Every plan is built for real YES members. Open an account in minutes and start saving with intent.

Flexible

Daily Fuel

For everyday savers

Build your emergency fund with daily savings. Flexible and always accessible.

  • Daily deposits
  • Instant access
  • No lock-in period

Minimum deposit

E10

Disciplined

The Iron Vault

For disciplined savers

Our most disciplined long-term plan. Designed for savers who want structure and focus.

  • Structured long-term plan
  • 12-month lock-in
  • Premium member tier

Minimum deposit

E100

Travel

The Jetsetter

For dream travellers

Save specifically for your next adventure. Track your travel goal visually.

  • Goal tracking
  • Flexible withdrawals
  • Travel rewards

Minimum deposit

E50

Family

Kidz Savings

For family focused savers

Give your children the best start. Parent-controlled savings for education and more.

  • Parent managed
  • Education focused
  • Built for the long term

Minimum deposit

E50

Goal

Project Fund

For goal-driven savers

Save toward any big goal — car, home, business, wedding, or personal project.

  • Custom goal setting
  • Flexible timeline
  • Progress dashboard

Minimum deposit

E100

Legacy

The Legacy

For long-term growth

Long-term family wealth building plan. Leave something meaningful behind.

  • Generational wealth
  • Long-term growth
  • Estate friendly

Minimum deposit

E200

Youth community

Goals

Your goals, your pockets

Pick a savings plan that matches your vibe — daily essentials, travel, kids' future, or long-term legacy.

School & fees
Hustle & business
Travel & lifestyle
Emergency fund

Start now

Ready to start building your future?

Join thousands of young people in Eswatini saving smarter with YES Digital SACCO.