Save, spend, and earn
- all on one platform.
With excellent interest rate, convenient digital tools, Pennysmart helps you to save towards the things that matters to you.
With excellent interest rate, convenient digital tools, Pennysmart helps you to save towards the things that matters to you.
Get balance updates after deposit
See how much interest you earn every week
Track your saving habit with our simplified dashboard
Reach your goals faster with automated savings
Momo or card or both, it doesn't matter. we got you.
Earn up to 14% interest on your savings
Monthly account fee is GHS 0
Monthly notification fee is GHS 0
Transaction fee is GHS 0
We are regulated by the Bank of Ghana
Friendly customer support at your fingertips
Funds are held by one of the largest asset management firms in Ghana
Here's what some of our members have to say about us.
“Pennysmart gives me a sense of responsibility towards the importance of savings and rekindled my habit of saving up my money.”
“With Pennysmart, I know I have to save a prescribed amount of money every month and as such the first thing I do after getting my salary is to put money into my Pennysmart account for the future. Since I know it's safe from thieves and unplanned expenditure, it motivates me to save with the future in mind. Plus, I get interest on my savings which is an added bonus.”
It is easy and convenient. The customer service of Pennysmart is one of best I've experienced. You get to know the people behind the growth of your money & others who save there.
Pennysmart helps make saving toward your goals seamless. Pennysmart takes away the stress and planning required to save on a regular basis through its automated and easy-to-use platform. Your savings also generate interests, up to 14% per annum, till a set maturity date.
Pennysmart accepts Mastercard debit cards and MTN mobile money.
You can start saving toward your goals with as low as GHS10. We do not have an upper limit.
We charge a 2% fee when you withdraw from goals and a 3% penalty fee if you choose to make a withdrawal before your goal hits maturity date.
While you can withdraw your money at anytime, we advise you to withdraw when your goal hits its maturity date.
