A Coin A Day
Naa Sika Mascot

Start Saving Today

Build your savings effortlessly through simple chat commands. Set goals, track progress, and grow your money.

Two Ways to Save

Choose the savings method that works best for you

Individual Savings

Goal Based Savings

Choose from three flexible savings plans designed for different saving styles and goals. Earn interest annually while building your financial future.

Choose Your Savings Plan

Three plans to match your saving style

Aku Sika

The Quick Saver

A 31-day challenge where you save small amounts daily. Perfect for building discipline and forming savings habits!

31-Day Challenge
Daily Deposits
Build Discipline
31-Day Commitment

Barima Sika

The Flexible Saver

Most Popular

Save whenever your pocket allows. No fixed schedule, just save when you can and earn interest annually!

Save Anytime
Interest p.a.
Flexible Access
Great Flexibility

Aya Sika

The Locked Saver

Commit to one deposit for 90 days and earn interest. Ideal for those who need to lock it away and resist temptation!

90-Day Lock Period
Interest p.a.
No Early Withdrawal
Higher Returns

Group Savings

Susu, Esusu, Ajo, Chama, Stokvel, Tontine

Join or create a savings group (known as susu in Ghana, esusu/ajo in Nigeria, chama in Kenya, stokvel in South Africa, or tontine in Francophone Africa) with friends, family, or community members. Build wealth together through regular contributions and mutual support.

Create or Join Groups
Start your own Susu group or join an existing one
Regular Contributions
Save together with scheduled contributions from all members
Shared Goals
Work towards common objectives with your group
Accountability & Support
Stay motivated with group encouragement and transparency
How Group Susu Works

Learn about traditional rotating savings circles (ROSCA)

Vendor using Naa Sika for savings
Success Story

Savings Made Simple

Small business owners and vendors across Ghana are using Naa Sika to save money for their businesses. Whether it's saving for inventory, equipment, or future expansion, our simple chat-based platform makes it easy to build your savings, one coin at a time.

Start saving today and join thousands who are building a brighter financial future.

Why Choose Naa Sika Savings?

Set Savings Goals

Define your savings target and watch your progress grow

Track Progress

Monitor your savings journey in real-time through chat

Easy Access

Save money instantly via Telegram, WhatsApp, or USSD

How to Start Saving

1

Start a Chat

Open Telegram, WhatsApp, or dial *426*26# on your phone

2

Set Your Goal

Tell the chatbot how much you want to save and by when

3

Start Saving

Save money anytime with simple commands. Check your balance and progress whenever you want

Ready to Start Saving?

Join thousands who are building their savings with Naa Sika

Start on Telegram Start on WhatsApp
Or dial *426*26# on any phone