Questions, answered
Frequently asked questions
Everything members and organizers ask us before their first cycle.
Susu is a rotating savings and credit arrangement practiced across Ghana and much of
West Africa: a group of people agree to contribute a fixed amount on a regular schedule,
and each cycle, one member receives the entire pot. Over the life of the group, every
member gets their turn. ntoboa doesn't change that tradition — it just removes the
manual coordination and trust gaps around it.
Creating an account, creating a group, and joining a group are all free. The only
optional cost is a commission an organizer may choose to charge on each cycle's
payout — and that's capped at 15% of the pot, disclosed to members before they join.
MTN Mobile Money, Telecel Cash (formerly Vodafone Cash), and AirtelTigo Money are all
supported for wallet top-ups. Pick your network when you top up and approve the
payment prompt on your phone — the charge is processed through a real mobile money
payment provider.
Your position in the rotation is assigned the moment you join a group, in join order.
Once every rotation slot is filled the group activates, and the order is locked in —
there's no renegotiating or "who gets to go first" arguments once the circle starts.
A payout only fires once every rotation member has contributed for that cycle and
the cycle's scheduled payout time has arrived. If a member hasn't contributed yet, the
cycle simply stays open — everyone in the group can see exactly who's still pending,
so there's no ambiguity about why a payout is delayed.
Every top-up, contribution, payout, and commission is written to an append-only ledger —
nothing is ever edited or deleted after the fact. Your wallet balance is always derived
from that ledger, not stored as a number someone could quietly change. Every mutating
request is also idempotent, so a network hiccup or an accidental double-tap can never
double-charge or double-credit you.
Yes. When creating a group, an organizer can choose to also take part in the rotation,
to run the group without contributing (organizer-only), or both. If an organizer does
take a rotation slot, they never charge themselves a commission on their own payout —
that's waived automatically.
Always. Every group discloses upfront whether a management fee exists before you join.
Organizers can choose to show the exact rate publicly, or keep the specific rate private
to members while still disclosing that a fee applies — but the 15% cap is enforced either way.
ntoboa installs like a native app on your phone's home screen. Once installed, your
most recent wallet balance and group history stay available to view offline — though
contributing, topping up, or joining a group always requires a live connection, since
those actions move real money.
You'll get an SMS, an email, and a push notification for the moments that matter most —
a top-up landing, a contribution going through, or a payout arriving. A live activity
feed inside each group also shows everything as it happens, in real time.
Since a rotation only works if every slot is filled and every member contributes each
cycle, membership is a commitment for the life of the group once the rotation is locked
in — the same as agreeing to a susu with your community in person. Talk to your organizer
before joining if you're unsure about the schedule.
A fundraiser wallet is a separate, one-off collection tool — not a rotating susu circle.
Create one for a hospital bill, a funeral, a wedding, or a community project, and share
a single public link. Contributions build up in the fundraiser's own balance until you
choose to withdraw them to your personal ntoboa wallet.
No. Anyone with your fundraiser's link can contribute real mobile money — MTN, Telecel,
or AirtelTigo — without creating an account or logging in. You, as the creator, still
need an ntoboa account to set up the fundraiser and to withdraw the funds it collects.
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