We see you. You work hard every day, balancing today’s needs with tomorrow’s dreams. You send money to family, pay school fees, cover bills—and somehow, you still try to put something aside for the future. But every time you try to save or invest, there’s a small deduction. A transaction fee here, another one there. It may not seem like much, but over time, it adds up. It slows you down. 

We don’t think that’s fair. 

At XENO, we believe that investing in your future should be simple, automated, and—most importantly—free from unnecessary costs. That’s why we are glad to announce, to the delight of many of you who asked before, that deposits and withdrawals with Airtel Money to XENO are now also free. 

We know that saving isn’t always easy. There’s always something urgent competing for your money. That’s why we designed XENO to help you plan save and invest with purpose—whether it’s buying land, securing your child’s education, or planning for the future you deserve. 

But even with the best plans, small costs make a big difference. A UGX 1,000 transaction fee may not seem like much, but it’s enough to make Jane the lady who deliver groundnuts at the office hesitate. To wonder if it’s worth it. To delay saving until “next month.” But next month turns into next year. And that delay? It’s more costly than any transaction fee. In partnership with Airtel Money, we are removing that hesitation. Now, when you move your money into XENO, every shilling stays invested and working toward your goals. 

With this update, 16 million Ugandans on Airtel Money can now invest without barriers. That means you can start with as little as UGX 10,000, as often as you like, without worrying about extra costs. 

This is just the beginning. While its currently only available on App and Web, the ability for you to invest for free, add goals and manage your investment will soon be coming to USSD — making it available to anyone, even without the internet because investing for your future financial goals shouldn’t be a privilege—It should be a right. 

We know you want more than just to get by. You want to build something. To create options for yourself. To give your family security and opportunities. You don’t just want to hope for a better future—you want a simple, structured way to how to make it possible.  

That’s what we’re here for. 

XENO gives you a free, professional investment plan in just a few clicks. AutoSave, lets you to forget the strains of manual savings. Free deposits and withdrawals on Airtel Money are just another step as we work to make sure nothing stands in the way of you achieving your goals. 

The best things in life may not always be free—but investing in your future with Airtel Money? Now, that is.