Group contributions, made clear
Ntoboa replaces “trust me” with “see for yourself.” Here is exactly how a group saves together, from the first contribution to the final withdrawal.
- Step 1
Create your group
Start a group for your family, church, association or friends, and invite the members who will contribute. Everyone verifies their identity (KYC) with a Ghana Card, passport or driver’s licence when they join.
- Step 2
Set a shared goal
Agree on what you are saving toward, how much each member contributes, and how often, weekly, monthly, or per event.
- Step 3
Contribute by MoMo or card
Members pay in using the methods they already use, mobile money or card. No cash changes hands with one person.
- Step 4
Everyone sees every cedi
Each contribution and every withdrawal is recorded and visible to the whole group, permanently. Nothing is hidden.
Ntoboa never holds your money. Contributions move through Ghana’s regulated mobile-money and card networks, Ntoboa simply keeps the shared, permanent record of who paid what. See how your funds are protected.
As your group saves, members do more than reach a goal: every on-time payment helps build a credit history (reported through OminiHub:Score) and earns reward points, with insured, lending and investment circles coming soon, all through OminiHub. See all features.