Why you'll love it
Cashback on everything
Every purchase grows your rewards.
Your lifestyle app
One app for payments,
savings, investments, and
more!.
185+ partner brands
From daily essentials to luxury treats.
Pay anywhere
Online, in-store, or overseas.
Own tomorrow
Where your money, meets your lifestyle.
- Multi-Currency Accounts
- Link Your Card
- Cloud9 Pay
- Cloud9 Vault
There's more!
Cloud9 Credit Coming soon
Flexible loans, overdrafts, and BNPL credit designed to fit how you live, earn, and spend.
Cloud9 Insure Coming soon
Affordable, bite-sized insurance for life, health, motor, travel, and more built into your everyday needs.
Cloud9 Crypto Coming soon
Buy, hold, send, and earn from top digital assets your secure, local-friendly crypto wallet with zero fluff and full control.
Cloud9 Wealth Coming soon
Fractional investing made simple stocks, crypto, MMFs and curated portfolios designed for your vibe, your goals, and your risk appetite.
How it works
Sign up in minutes
Open your Cloud9 account directly in the app.
Shop smarter
Use your Cloud9 card online, in-store, or in the
Cloud9 Marketplace.
Get rewarded
Cashback appears instantly in your account.
See what some of the
Cloud9 Club members are saying
1,852+ people already can't wait to join the world of Cloud9
Dapper Brother"Most banks just treat me like an account number. I can't wait to join this lifestyle movement that actually represents who I am and where I'm going."
Tesh Mbaabu"Traveling and spending internationally is always a headache with hidden fees and declined cards. With Cloud9, I'm finally going to live borderless; spending in dollars, shillings, or pounds without stress."
Hanisa Weru"I'm done with surprise charges and unclear statements. With Cloud9's transparency and insights, I'll finally feel in control of my money."
Mesongo Sibuti"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."
Dan Gitau"With all the paperwork, my current bank feels like it's stuck in the 90s. I can't wait for Cloud9 to give me a modern, digital-first experience that actually fits how I live, earn, and spend today."
Erick Kiiya"I'm tired waiting days for transfers or card replacements and banks telling me when and how I can access my own money. I can't wait for Cloud9 to give me instant money moves when I need them."
Dapper Brother"Most banks just treat me like an account number. I can't wait to join this lifestyle movement that actually represents who I am and where I'm going."
Tesh Mbaabu"Traveling and spending internationally is always a headache with hidden fees and declined cards. With Cloud9, I'm finally going to live borderless; spending in dollars, shillings, or pounds without stress."
Hanisa Weru"I'm done with surprise charges and unclear statements. With Cloud9's transparency and insights, I'll finally feel in control of my money."
Mesongo Sibuti"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."
Dan Gitau"With all the paperwork, my current bank feels like it's stuck in the 90s. I can't wait for Cloud9 to give me a modern, digital-first experience that actually fits how I live, earn, and spend today."
Erick Kiiya"I'm tired waiting days for transfers or card replacements and banks telling me when and how I can access my own money. I can't wait for Cloud9 to give me instant money moves when I need them."