Question 1

What is susu?

Accepted Answer

A group of people put the same amount in on the same rhythm. Each cycle, one member takes the whole pool. Trust Susu runs the rota, collects by Mobile Money and texts everyone so nobody forgets.

Question 2

Do I need a bank account?

Accepted Answer

No. Trust Susu works entirely with Mobile Money: MTN MoMo and Telecel Cash. No bank account is required.

Question 3

Do I need a Ghana Card?

Accepted Answer

Yes, before your first pickup. You can join and start paying first, then upload it in the app. Pickups are only released to verified members.

Question 4

Can two of us share one slot?

Accepted Answer

In groups marked half slots allowed, yes. Each of you pays half every due day and collects half on the shared payday.

Question 5

Is the join deposit a fee?

Accepted Answer

No. The deposit counts as your first contribution, so when the group starts, day 1 is already covered. Without it you are not admitted.

Question 6

How do I pay?

Accepted Answer

From the app with MTN MoMo or Telecel Cash in two taps. You can also pay the week ahead, or deposit at an agent and record it with a photo of the receipt.

Question 7

When is my contribution due?

Accepted Answer

By 6pm Accra time on the due date. Daily groups: every day. Weekly groups: the fixed weekday. Monthly groups: the fixed date. Payments after 6pm count as late.

Question 8

What happens if I miss a day?

Accepted Answer

After 6pm your slot moves back three places. You keep what you have paid and stay in the group. Repeat defaulters are removed and replaced.

Question 9

I paid at an agent. How do I prove it?

Accepted Answer

Use Record a deposit in the app: enter the amount and reference, add a photo of the receipt, and an admin approves it, usually the same day.

Question 10

When do I receive my pickup?

Accepted Answer

The morning of your slot day, straight to the MoMo number on your profile, with an SMS reference. Your pickup date is shown in the app from the day the group starts.

Question 11

How are slots decided?

Accepted Answer

Automatically when the group starts, not when you join. Joining early does not get you an earlier slot. After the start, late payers are pushed back.

Question 12

Can I get a refund?

Accepted Answer

No. Once a payment is made it is non-refundable. If you must leave, an admin can replace you and the replacement takes over your slot.

Question 13

Is my money safe?

Accepted Answer

Every contribution is collected through Mobile Money and recorded against your name with a reference. Pickups are paid out by the same route. You can see your full ledger in the app at any time, and admins cannot delete a payment, only reverse it with a logged reason.

Question 14

Can I change my MoMo number?

Accepted Answer

Yes, from your profile. We text a code to the new number before your login and pickup number changes.

Question 15

What if I forget my password?

Accepted Answer

You can always log in with a code sent by SMS. To set a new password, use Forgot password on the login page.

Questions people ask before they join

Ready when you are.

Questions people ask before they join

Ready when you are.