Save on your terms. No restrictions.

We built a better way for you to save so you don't have to think about it.

Get Started

Why save with us?

Give your money purpose.

Create as many goals as you want to achieve and automatically save on your schedule.

Use goals to organize and track your finances all in one place.

Earn more interest.

You work hard for your money, now let your money work hard for you.

Pennysmart users earn 12% per annum.

We take security seriously.

We built Pennysmart with Bank-Grade security.

Your money is being held by one of the biggest asset management funds in Ghana.

How Pennysmart Works

Create a Pennysmart account

Sign up for your Pennysmart account with your name, email and phone number.

Customise Your Goals

Choose as many goals as you like, set a target savings amount, a target completion date and make deposits anytime, for free.

Watch your savings grow

We put your money to work so you can earn competitive interests on a weekly basis.

We are working with trusted brands in finance
What people are saying about Pennysmart
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Jude Adjah

Pennysmart gives me a sense of responsibility towards the importance of savings and rekindled my habit of saving up my coins.

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Joseph Yaw Frimpong

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

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Selikem Sunfrah

It is easy and convenient. The customer service of Pennysmart is one of best I've experienced. Constant interaction with the founders makes it feel like a family. You get to know the people behind the growth of your money & others who save there.

Spending is easy. Achieving your dreams should be too.

Start saving towards your dreams with as low as GHS 20.

Start Saving