Elevate yourself
Cashback on every spend:
Every payment gives you up to 2% cash back.
Global multi-currency account:
Get a KES, USD, EUR, GBP and CNY account in
minutes.
High-yield Savings
Save and earn 9% interest with automatic
round-ups and vaults for all your goals.
Pay and get paid fast:
Send, receive, and track payments
seamlessly both locally and globally.
Own tomorrow
Where your money, meets your lifestyle.
Round-up your transactions and watch your spare change grow automatically.
There's more!
Cloud9 Credit
Coming soonInstant digital loans, overdrafts, and secured personal loans — built to flex with how you live, earn, and spend. Eligible users access flexible BNPL credit at checkout.
Cloud9 Insure
Coming soonAffordable, bite-sized insurance for life, health, motor, travel, and more — built into your everyday needs.
Cloud9 Crypto
Coming soonBuy, hold, send, and earn from top digital assets — your secure, local-friendly crypto wallet with zero fluff and full control.
Cloud9 Wealth
Coming soonFractional investing made simple — stocks, crypto, MMFs and curated portfolios designed for your vibe, your goals, and your risk appetite.
Choose your plan
Niner
Start your Cloud9 journey at zero cost. A simple, powerful entry point into your "everything money" experience.
Builder
Level up your money experience. Designed for people who want more value, more rewards, and more global freedom.
Baller
The ultimate Cloud9 experience. Made for global earners and money movers who operate at the top tier.
24/7 Customer Care
You can speak to our support team (a real-life human) through our in-app chat — whenever, wherever. We're here for you 24/7/365
Talk to us Join the 11k+ people already
making money moves on Cloud9
See what some of the niners are saying
"Most banks just treat me like an account number. I love this lifestyle movement that represents who I am and where I'm going."
"Traveling and spending internationally is always a headache with hidden fees and declined cards. With Cloud9, I'm living borderless; spending in dollars, shillings, or pounds without stress."
"I'm done with surprise charges and unclear statements. With Cloud9's transparency and insights, I finally feel in control of my money."
"I'm tired of juggling multiple apps just to pay bills, track my spending, save and invest. I need one smart, simple place that understands me."
Do you have any question
you'd like to ask us?
Explore our list of frequently asked questions to find the information you need. If you don't see your question here, feel free to reach out to our support team for further assistance.