Susu, the way it has always worked. Minus the worry.
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.
- 1
Join a group that fits your pocket
Daily from GHS 5, weekly on a fixed weekday, or monthly on a fixed date. Share a slot with someone you trust if you want to start smaller. A join deposit holds your place and counts as your first contribution.
- 2
Get your slot number and payday
When the group fills, every member is assigned a slot automatically. Slot 1 collects first. Your pickup date is printed in the app from day one, so you can plan around it.
- 3
Pay before 6pm on due days
We text you at 7am and 6pm. Pay in the app with MTN MoMo or Telecel Cash, pay the week ahead, or deposit at an agent and upload your proof.
- 4
Collect the whole pool on your day
The morning of your slot, the full pool goes to your MoMo wallet with an SMS reference. Then the next slot begins.
| Each member pays | GHS 20 / day |
| Pool collected each day | GHS 600 |
| One member collects | every day |
| Full cycle | 30 days |
| Your pickup on your day | GHS 600 |
The susu idea, in plain words.
We explain it the same way to everyone, so there are never any surprises.
- A susu is a group savings system. Every member pays the same fixed amount on each due date.
- Contributions are due by 6pm Accra time on the due date. In a daily group that is 6pm every day; in a 30-day group, 6pm on the 30th day; in a 22-day group, 6pm on the 22nd day.
- Each cycle, one member receives the full pool collected for that turn.
- Contributions continue until every member of the group has had a turn.
- Slot positions are not given out when you join. The system assigns every member a slot when the group starts.
- After the group starts, a late payer is pushed 3 steps back in the order. Extending payments is not allowed.
Questions people ask before they join
Is the deposit a fee?
No. The deposit counts as your first contribution. When your group starts, day 1 is already covered by it. It is not extra money paid to the admin. It makes sure we admit only serious members.
Can I get a refund if I change my mind?
No. Once a payment is made it is non-refundable: the deposit, daily contributions, and any other money sent to a group. We enforce this to protect every member who paid on time.
What if someone does not pay?
Their slot is pushed 3 steps back and the group continues. Every other member still gets their pickup. Repeat defaulters are removed and replaced.
How are slots assigned?
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.
Can I be in more than one group?
Yes. Many members run two or three groups at different amounts at the same time.
Can two of us share one slot?
In groups marked half slots allowed, yes. Each of you pays half and collects half on the shared payday.
Ready when you are.
Browse the open groups and join in minutes. Serious savers only.