Save with NSSF Haba Haba (informal sector and self-employed)
National Social Security Fund · sources read 30 Sep 2026
Dial *254# on any phone, choose NSSF Haba Haba and follow the prompts. You can save from KES 25 a day, KES 175 a week or KES 400 a month, whenever you have income.
- Fee
- We couldn't confirm a fee from the official page. Check it there before you pay.
- Where
- On your phone by dialling *254# (NSSF Haba Haba)
What you need
- Your National ID (your Haba Haba account is linked to it)
- Any mobile phone. You don't need a smartphone.
Steps
- Dial *254# on your phone and select NSSF Haba Haba.
- Follow the prompts to set up your account. It is tied to your National ID, so you keep your savings even if you change your phone number.
- Save through the same menu: KES 25 a day, KES 175 a week or KES 400 a month. You can add extra whenever you like.
- Use *254# to check your savings and manage your account, and nominate up to three beneficiaries.
Watch out
- Every payment is split automatically: 30% short-term savings and 70% long-term. You can't change this split.
- The long-term part is locked: only half of it can be withdrawn after five years.
- Haba Haba is separate from regular NSSF contributions. For your regular NSSF account, use *303# or WhatsApp 0704 303303.
Who can apply
- People working in the informal sector (jua kali, traders, casual and self-employed workers) whose income may be irregular and who don't contribute through a formal employer.
Official sources (1)
- NSSF Haba Haba nssf.or.ke · read 30 Sep 2026