How can we help you?
Getting started
How do I open a Sao Wallet?
Download the app, enter your phone number, then verify with your Ghana Card, passport or voter ID. Most accounts are approved within minutes.
Which phones work with Sao?
Sao works on Android and iPhone.
Where can I deposit money?
Deposit cash at any Sao agent, or transfer from your bank or another mobile money wallet.
How do I find an agent?
Use the agent list on your country page.
How do I withdraw my money?
Withdraw cash at any Sao agent. You can also send money from your wallet to a bank account.
What is the daily limit on my wallet?
In Ghana the daily limit is GH₵ 10,000 for verified accounts.
Is my money safe with Sao?
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.
What ID do I need to open a wallet?
You need a phone number and a valid ID. In Ghana you can use your Ghana Card, passport or voter ID. Verification takes a few minutes.
How do I withdraw my money?
Withdraw cash at any Sao agent. You can also send money from your wallet to a bank account.
How do I complain?
Tell us first. Use the app (Support › Complain), WhatsApp, email complaints.gh@saopayglobal.com, or any Sao agent. Give your phone number, the date and the transaction reference.
What happens after I complain?
You receive a reference number immediately. A named case handler contacts you within 2 business days.
How long does a complaint take?
We aim to resolve complaints within 15 business days. If we need longer, we tell you why and when to expect an answer.
What if I am not satisfied with the answer?
If you are not satisfied after our final response, you may contact the Bank of Ghana.
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