Your Savings. Your Rules.
Create a personal savings plan, set your target, deposit via Mobile Money, and watch your savings grow. No bank account needed. No paperwork. Just simple, disciplined saving on your terms.
How It Works
Three simple steps to start your personal savings journey.
Set Your Goal
Name your plan, set a target amount, and choose a duration — from 1 week to 1 year.
Deposit via MoMo
Fund your plan anytime with MTN Mobile Money. Top up as often as you like — you're in control.
Reach Your Target
Hit your goal and withdraw to your wallet. A simple 5% susu fee applies — no hidden charges.
Why SUSU?
Everything you need to save on your own terms.
Personal Savings Plans
Create up to 5 plans with custom targets and durations. Save for rent, school fees, or anything that matters.
MoMo Deposits
Deposit directly from your phone via MTN Mobile Money. No bank visits, no long forms.
Your Wallet
Track your balance in real-time and withdraw to MoMo whenever you need to.
Flexible Duration
From 1 week to 1 year — you pick the timeline that works for your savings goal.
Transparent Fees
A clear 5% susu fee only when you complete your plan. No hidden charges, no surprises.
Early Withdrawal
Need your money before your target date? Withdraw early with a small, fair tiered penalty.
Frequently Asked Questions
Everything you need to know about saving with SUSU.
Susu is a traditional West African savings practice where individuals save small amounts regularly, often through a collector or group. SUSU digitises this model — you save via Mobile Money, track your progress in the app, and withdraw when you reach your goal.
Create a savings plan with a target amount and duration. Deposit via MTN Mobile Money anytime. Track your progress on your dashboard. When you hit your target, withdraw to your MoMo wallet. A 5% susu fee applies at completion.
Yes. Your savings are tracked transparently in the app with full transaction history. You can see every deposit and your running balance anytime. SUSU uses secure Mobile Money integration for all transactions.
SUSU charges a simple 5% fee on your target amount — only when you complete your plan. No monthly charges, no hidden fees, no surprise deductions. If you withdraw early, a small tiered penalty applies (5-30% depending on progress).
Yes! SUSU supports both individual and group savings. Join a savings group in your community, contribute regularly, and receive payouts on a rotating cycle. Local agents help manage contributions and payouts.
Deposit directly from your phone via MTN Mobile Money. No bank visits, no paperwork. You can also deposit cash through your assigned savings agent who records it in the system.
Prefer saving with a group?
Join a savings group with your community. Local agents manage contributions and payouts on a rotating cycle.