Breaking Down Ndovu’s Fees: Ndovu Interest Rates And Charges?
- Michael Mosi
- May 28, 2025
- 2 min read

If you're evaluating Ndovu as your investment platform, understanding its fee structure is crucial. Ndovu offers a transparent pricing model across three subscription plans, catering to various investor needs. Here's a breakdown of their fees and interest rates:
Ndovu Subscription Plans & Fees
1. Basic Plan – Free
Global Funds & Fractional Stocks Fee: 4.5% on the investment amount at the time of investment.
Savings & Fixed Returns: 0% to 1.0% annual fee.
Ndovu Fund Management Fee: 2% annually.
Government Bonds for all users: 0.375% twice a year on invested mount
Features: Access to global markets, personalized low-cost portfolios, automated advice, and financial education.
2. Standard Plan - KES 3,000/year
Global Funds & Fractional Stocks Fee: 4.0% on the investment amount at the time of investment.
Savings & Fixed Returns: 0% to 1.0% annual fee.
Ndovu Fund Management Fee: 2% annually.
Government Bonds for all users: 0.375% twice a year on invested mount
Additional Features: Includes all Basic features plus one financial advice session, a budget planner, and an investment performance tracker.
3. Ultimate Plan – KES 30,000/year
Global Funds & Fractional Stocks Fee: 2.0% on the investment amount at the time of investment.
Savings & Fixed Returns: 0% to 1.0% annual fee.
Ndovu Fund Management Fee: 2% annually.
Government Bonds for all users: 0.375% twice a year on invested mount
Premium Features: All Standard features plus a dedicated relationship manager and unlimited financial advice.
Transaction Fees
Deposits: No charges
Global funds and Fractional stocks withdrawal fees: No charges
Infrastructure Bonds withdrawal fees: No charges
Ndovu Fund withdrawal Fees: One free withdrawal per month & KES 500 for every other withdrawal within the month.
Ndovu Fund Interest Rates
Ndovu's Money Market Fund, known as the Ndovu Fund, has historically offered competitive returns. For instance, in 2023, the fund achieved an annual return of 15.51%, and by the end of 2024, it recorded a 13.06% annual return. These rates are subject to change based on market conditions. It's essential to note that while past performance can provide insights, it doesn't guarantee future results.
Key Considerations
Fee Structure: Ndovu charges a one-time fee on the investment amount when you invest in global funds and fractional stocks, varying by subscription plan. Additionally, there's an annual management fee for the Ndovu Fund.
Interest Rates: The Ndovu Fund's returns have been competitive, but they can fluctuate based on market dynamics.
Plan Selection: Choosing the right plan depends on your investment goals, desired features, and the level of financial advice you seek.
For a more detailed overview and to select the plan that best suits your financial objectives, visit Ndovu's official pricing page:


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