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 cashout cadence that fits your hustle, and request to join.
Step 02 - 03
Pay deposit + daily
Pay your refundable deposit to lock your slot, then your daily contribution via Mobile Money. We remind you every day.
Step 03 - 04
Receive your cashout
When your turn comes, the full cashout 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 each day.
After every few days, ONE member receives the full cashout collected for that turn.
Contributions continue until every member of the group has had their turn.
Your turn position depends on payment consistency. Members who pay on time take their turn earlier; late payers are moved down.
The list of turn positions you see when you join is NOT permanent. It can be reordered based on consistency.
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
Cash out a meaningful amount for business, school fees, emergencies, or investment.
Is the deposit a fee?
No. The deposit is added to your contributions and returned to you when you cash out. It is NOT 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.
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 cashout.
How are slots assigned?
Slots are first come, first served. Priority is given to members who are punctual, dedicated, and committed to making timely payments.
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.
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