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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.

Learn More
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We work hard to give you high interest rates and no hidden fees. Welcome to the new way of saving.

Manage your money your way

Your money, managed your way

  • icon Get balance updates after deposit
  • icon See how much interest you earn every week
  • icon Track your saving habit with our simplified dashboard
Savings made easy

Savings made easy

  • icon Reach your goals faster with automated savings
  • icon Momo or card or both, it doesn't matter. we got you.
  • icon Earn up to 14% interest on your savings
No Hidden Fees

An account that truly has no hidden fees

  • icon Monthly account fee is GHS 0
  • icon Monthly notification fee is GHS 0
  • icon Transaction fee is GHS 0
Support

Your money is safe with us

  • icon We are regulated by the Bank of Ghana
  • icon Friendly customer support at your fingertips
  • icon Funds are held by one of the largest asset management firms in Ghana

Built with you in mind

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Smart
Government of Ghana risk free instruments.
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Secure
Registered with Data Protection Commission.
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Community
Perks for Pennysmart community members

Our members love us and we love them back

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.”

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Jude Adjah
Member since 2018

“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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Joseph Yaw Frimpong
Member since 2018

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.

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Selikem Sunfrah
Member since 2018

Frequently Asked Questions

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.

Still have questions? Get in touch
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