Save together.
Rise together.
ntoboa brings the trusted susu rotating-savings circle into your pocket — create a group, top up with mobile money, and let a transparent, automatic rotation make sure everyone gets their turn, on time, every time.
Good afternoon, Ama
WALLET BALANCE
GHS 0
MoMo networks supported
Max organizer commission cap
100%
Transparent, auditable ledger
0
Guesswork in who's paid next
One app for the whole circle
From joining a group to getting paid, every step is built to remove the awkward bookkeeping and trust gaps of a paper-and-phone-calls susu.
Digital susu groups
Create or join a rotating savings circle in minutes. Set the contribution amount, frequency, and rotation size — ntoboa handles the rest.
Real mobile money
Top up your wallet directly with MTN, Telecel, or AirtelTigo mobile money — real charges, real confirmations, no manual reconciliation.
Fair rotation engine
Payout order is set the moment the group fills up — no favoritism, no renegotiating. Everyone can see whose turn is next.
Real-time updates
A live activity feed plus SMS, email, and push notifications mean nobody has to ask "did my contribution go through?" ever again.
Bank-grade ledger
Every pesewa is tracked in an append-only ledger. Balances are never guessed — they're always derived from a full, auditable history.
Install as an app
Add ntoboa to your home screen and use it like a native app — including offline access to your balance and group history.
GHS 600
Pot this cycle
A rotation everyone can watch happen
Susu has always worked on trust — a group agrees on an order, everyone contributes each cycle, and one member takes the whole pot in turn. ntoboa keeps that exact tradition, but makes the order, the contributions, and the payout timing visible to every member, every time.
Once every member has contributed for the cycle, the payout fires automatically on schedule — nobody has to chase anybody, and nobody has to wonder if they were skipped.
Walk through a full cycle