Save on your terms. No restrictions.
We built a better way for you to save so you don't have to think about it.
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.
You work hard for your money, now let your money work hard for you.
Pennysmart users earn 12% per annum.
We built Pennysmart with Bank-Grade security.
Your money is being held by one of the biggest asset management funds in Ghana.
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.
Pennysmart gives me a sense of responsibility towards the importance of savings and rekindled my habit of saving up my coins.
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. 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.