A traditional susu, modernised for Mobile Money.
Simple, transparent, and built for serious savers. Here is exactly how the Kims Susu system works, start to finish.
- 01
Sign up
Create your account on WhatsApp or the web with just your phone number. Verification takes under a minute.
Step 01 - 02
Pick a group
Browse the open Kims Susu groups, pick the daily amount and pickup cadence that fits your hustle, and request to join.
Step 02 - 03
Pay deposit + contribute
Pay your deposit to secure your place in the group — it counts as your first contribution. Then keep contributing via Mobile Money, latest by 6pm on each due date. We send you reminders.
Step 03 - 04
Receive your pickup
When your turn comes, the full pickup lands directly in your MoMo. The cycle continues until everyone has had a turn.
Step 04
The susu idea, in plain English.
We explain it the same way to everyone, so there are never any surprises.
A susu is a group savings system. Every member pays the same fixed amount on each due date.
Contributions are due by 6pm on the due date — 6pm each day in a daily group, 6pm on the 30th day in a 30-day group, and 6pm on the 22nd day in a 22-day group.
After every few days, ONE member receives the full pickup collected for that turn.
Contributions continue until every member of the group has had their turn.
Turn positions are NOT given out when you join. The system automatically assigns every member a slot when the group starts.
After the group starts, positions can be reordered based on payment consistency — members who pay on time keep their turn, late payers are moved down.
Please read carefully
No-refund policy
Once a payment is made, it is non-refundable. This applies to your deposit, daily contributions, and any other money sent to a Kims Susu group. We enforce this strictly to protect every member who showed up on time. Do not pay if you are unsure.
Built for serious savers, not budget spoilers.
Trustworthy
Built on the centuries-old susu tradition with digital tracking on every cedi.
Disciplined savings
The group keeps you accountable. Pay on time, take your turn earlier.
Real lump sums
Pick up a meaningful amount for business, school fees, emergencies, or investment.
Is the deposit a fee?
No. The deposit counts as your FIRST contribution — when your group starts, day 1 is already covered by it. It is NOT extra money paid to the admin. It just makes sure we admit only serious members.
Can I get a refund if I change my mind?
No. Once a payment is made it is non-refundable. This applies to the deposit, daily contributions, and any other money sent to a group. We enforce this strictly to protect every other member who showed up on time.
When is my contribution due?
By 6pm on the due date. Daily groups: pay by 6pm every day. 30-day groups: pay by 6pm on the 30th day. 22-day groups: pay by 6pm on the 22nd day. Payments after 6pm count as late.
What if someone doesn't pay?
They are moved to a later position in the turn order. Persistent defaulters are removed and the group continues, and every other member still gets their pickup.
How are slots assigned?
The system automatically assigns everyone's slot when the group starts — not when you join. Joining early does not get you an earlier slot. After the group starts, positions can be reordered based on payment consistency.
Can I be in more than one group?
Yes. Many of our members run 2–3 groups in parallel at different daily amounts.
Ready to start? Lock in your slot today.
Browse the open groups and join in minutes. Serious savers only, no budget spoilers.
054 904 4782 or 053 976 7326