Frequently Asked

Find out answers for common questions that have proved helpful


What is group savings?

This is a centuries old way of savings where a group of people save and lend money to each other. There are 2 models; ROSCA ( Rotating Savings and Credit Associations) and ASCA  (Accumulating Savings and Credit Associations).
ROSCA - This is where the group forms a circle and each person contributes a specific amount of money, all amounts are combined together, and members of the circle get the whole payout one by one.

ASCA - This consisting of 15-30 people, where members regularly meet to save money in a common fund. This fund is used to make loans to group members. At the end of an established savings cycle - 9 to 12 months - the savings with accumulated interest and fees are shared out among the group members and a new cycle begins.

Savings groups are called Susu, Ajo and Tontines in West Africa, Gameya in North Africa, Chamas in East Africa and Stokvels in South Africa.


How do I register?

To register on the USSD, you would have toprovide your Full Name, ID Number (Voter’s ID, Passport ID or Driver’sLicense), Mobile Money Number, a PIN which would used to confirm transactions.This PIN is your Bezo PIN.

How do I make deposits into my personal wallet?

When the personal goal is created, you can make deposits by putting money in your mobile money wallet. We will deduct the money from there and save it.

How do I make deposits for my group wallet?

Using your group’s ID, you can deposit money into your group’s wallet through a mobile money agent.

What happens when I lock my savings?

When your savings is locked, you would not be able to withdraw your savings until you reach your goal. However, when your savings is open, you can access it when you reach half of your savings goal amount.

How do I make withdrawals from my personal wallet?

Go to USSD menu and select Withdrawal and then select Personal wallet. Enter your Mobile Money Number. Then enter the amount you want to withdraw and your Bezo PIN. The amount will be sent to yourMobile Money wallet.

How do I make withdrawals from my group wallet?

Go to USSD menu and select Withdrawal and then select Group wallet. Enter your Group ID. Then enter the amount you want to withdraw and your Bezo PIN. A notification will be sent to the 3 group leaders to approve with their Bezo PINs. When this your request is approved, the money will be sent to your mobile money account.

How do I check my balance?

To check balance, go to the USSD menu and select Check balance. Then enter your Mobile Money Number and Bezo PIN. The balance of your personal savings goal will be displayed as well as the amount of money in your group’s wallet.

Will my savings accrue interest?

Yes, it accrues interest daily (3% per annum)

Does my account require a minimum or maximum deposit limit?

No, you can withdraw all your money or deposit any amount at all.

More benefits

What are the value - added packages?

Through our partners, we can give you access to loans, investments, pensions and insurance. Loans are based on your savings and credit history.

What are pay-as-you-go services?

Based on your credit rating, we can also help you acquire assets from merchants or pay for services and then you pay us back. Eg. payment for school fees or purchase of electrical appliances and then you pay us back over a period of time.

Do I get extra benefits saving on your platform?

Yes you do and this is based on your performance of our platform. Our loyal customers will be able to make discounted purchases from our partner merchants.


Do you have a license?

Yes, we have a Susu Collector’s License and a partnership with a commercial financial institution.

What are your terms and conditions?

You can read the terms and conditions here(


Where would my money be saved?

The money will be saved with our partner financial institution.

Is the USSD secure?

Yes, it is very secure. Your Bezo PIN prevents anyone from being able to access your account. Make sure you do not share your Bezo PIN with others.