Complimentary GHS 5 for the first 30,000 members
Open account
Micro-saving on mobile money · Ghana & Nigeria

Set a daily goal.
Your mobile money
does the rest.

Choose a small amount. Grō saves it for you automatically each day — quietly earning Treasury-Bill interest as it grows.

Open your account How it works
No appNo password60-second start
Grō PassbookAma · Osu, Accra No. 0244··890
MTN MoMo
Collected today
GHS5.00
of GHS 5.00 daily goal
6:00Morning sweep+2.00
9:14Inflow · customer+0.80
10:22Inflow · wholesale+1.00
11:45Round-up · airtime+0.50
13:30Round-up · delivery+0.70
Goal metpaused till 6:00
47-day streak
What Grō does

Everything you need to save, in one place.

Six quiet mechanisms working in the background, so saving simply happens.

01

Set a daily goal

Choose any amount from GHS 1 to 50. That is the only decision you make.

02

Automatic sweeps

Grō gathers from inflows, round-ups, and a morning sweep until your goal is met — then stops.

03

Earns T-Bill interest

Your savings rest in a regulated fund earning Government Treasury-Bill returns.

04

Susu savings groups

Save together with your group and share a goal — the spirit of susu, with your money always your own.

05

Compete & win

Climb your area, your region, and the national challenge. Keep your streak intact.

06

60-second signup

Begin on WhatsApp. No app, no password — your phone number is your account.

“Your money stays yours — held in Government Treasury Bills through a regulated fund.”

Treasury-Bill backedRegulated fundPaystack securedAct 843
How it works

Three steps. Then it is automatic.

1

Pick your goal

Choose a daily amount that feels easy — even GHS 1 is a beginning.

2

We sweep daily

Grō gathers small amounts from your mobile money until your goal is met.

3

Watch it grow

Your savings earn interest, and you climb the leaderboards as you go.

Where your money goes

Follow a single GHS 5.

Step 1

Your wallet

GHS 5 sits in your mobile money, like always.

Step 2

Grō sweeps it

With your okay, Grō moves the GHS 5 for you.

Step 3

Joined with others

Your GHS 5 pools with thousands of savers.

Step 4

Buys Treasury Bills

The pool buys government T-Bills that earn interest.

Step 5

Your savings grow

You own your share, and it grows every day.

GHS 5 × thousands = enough

This is how your small money buys T-Bills. One person’s GHS 5 is too small to buy a Treasury Bill — but pooled with thousands of savers, it’s more than enough. You own the exact share you put in.

↩ Withdraw anytime Want your money? Your share comes straight back to your wallet — whenever you ask.
Your money is always yoursHeld in Government Treasury BillsManaged by a licensed fund managerGrō never holds your money
The national challenge

Two countries. One streak that counts.

GHS2.1M
saved in Ghana this month
NGN180M
saved in Nigeria this month

Begin saving in sixty seconds.

Your first GHS 5 is complimentary — for the first 30,000 members.

Open your account No app · No password · Only your mobile money number