Spending & Savings

Save first. Then send.

Every deposit is split for you. A share goes to your savings goals before anything else, so your future isn’t whatever is left over.

Join the waitlistFree. Be first in when we launch.
001How it works

Set it once. Then it runs itself.

  1. Deposit from abroad

    Pay in from your bank in Singapore or Hong Kong. Your money lands in Kindoo, ready to use.

  2. Your savings go first

    Choose a share, like 10% of every deposit. Kindoo moves it to your goals automatically.

  3. Watch your goals grow

    Each goal shows how far you’ve come. Locked goals earn more interest, paid by the bank.

002What you get

Two pockets. One plan.

Most OFWs save what’s left after the padala, the bills and the requests. Usually that’s nothing. Kindoo turns it around: you decide your share once, and it happens on every deposit.

Spending for now

Send home, pay bills and buy what you need from your Spending pocket, any time.

Goals for what matters

A house, school fees, the trip home, an emergency fund. Name each goal and set a target.

Lock it or keep it flexible

Locked money can’t be spent by accident, and earns a higher rate. If you really need it sooner, you can still take it out.

You stay in control

Change your share, pause auto-save or add money by hand whenever you like.

003Good to know

Questions people ask.

Can I take my savings out?
Yes. Flexible goals can be used any time. Locked goals open on the date you chose. If you really need the money sooner, you can take it out early at the lower rate.
How much should I save?
Start with what feels easy, even 5%. Many people start with 10%. You can change it any time, and Kindoo shows what it adds up to before you decide.
Who holds my money?
Licensed partner banks, in an account in your name. Kindoo is not a bank. Interest is paid by the bank, not by Kindoo.
Do I need a lot of money to start?
No. There’s no minimum. Your savings grow a little with every deposit.

Interest rates, lock periods and partner banks will be confirmed before launch. Kindoo is in pre-launch, and features may change before release.

004More from Kindoo

The rest of Kindoo.

PurPadalaSend money for what it’s for Benefits AutopilotSSS, PhilHealth, Pag-IBIG, on time Ipon Points & RaffleRewards for good money habits

Ten years from now, have something to show for it.

We’re opening early access to a small group of OFWs and families in Singapore, Hong Kong and the UAE.

Join the waitlist