One account to hold, send and spend money across Ghana, Liberia, Sierra Leone, São Tomé and Príncipe and The Gambia. A wallet, payments for businesses and an agent near you.
Sao Payment Ltd is licensed by the Bank of Ghana as a Dedicated Electronic Money Issuer. Licence statements for every market are in the footer.
Products
One Sao account, built around you.
Sao Wallet
Keep your money, send it and spend it from your phone with the Sao app.
Sao Pay
Take payments in your shop or online by QR code, payment link or API. Your money reaches your account the same day.
Sao POS
A counter terminal that takes cards, wallets and cash, prints receipts and settles to your account daily.
How it works
Open your Sao account in four steps.
You do not need to visit a branch or fill in paper forms. With a phone number and a valid ID, you can open your account today.
- 1
Download the app
Sao works on Android and iPhone.
- 2
Verify with your ID
Use your Ghana Card, passport or voter ID. Most accounts are approved within minutes.
- 3
Deposit money
Deposit cash at any Sao agent, or transfer from your bank or another mobile money wallet.
- 4
Pay, send and get paid
Pay shops and bills, send money to family, and get paid by your customers.
Regulated
Licensed in every country we serve.
Sao is licensed by the central bank in each of our five countries. Your money is kept in safeguarded accounts, and we monitor every transaction 24 hours a day.
- 🇬🇭GhanaBank of Ghana · Dedicated Electronic Money Issuer
- 🇱🇷LiberiaCentral Bank of Liberia · Mobile Money Licence
- 🇸🇱Sierra LeoneBank of Sierra Leone · Payment Service Provider
- 🇸🇹São Tomé and PríncipeBanco Central · Licença de Serviços de Pagamento
- 🇬🇲The GambiaCentral Bank of The Gambia · Payment Service Provider
Our countries
Sao in your country.
Choose your country to see the products, agents and support available to you.
Open your Sao account in minutes.
Download the app and verify with your Ghana Card, passport or voter ID.
Scan to download