Send money to anyone, in seconds.
Pay bills and shops without cash.
Keep, send and spend your money from a wallet in the Sao app. Deposit and withdraw cash at Sao agents and merchants. You can open yours in minutes.
Licensed by the Bank of Ghana · Open in minutes · Android and iPhone
What you can do
Send to any Sao user, any mobile money number or any bank account. You see who receives it and when it arrives before you confirm.
Pay for electricity, water, TV and school fees, and pay at thousands of shops by scanning a QR code at the counter.
Check your balance, send money and pay bills from the Sao app on Android or iPhone, and visit a Sao agent when you need help in person.
Who it is for
If you have a phone number and a valid ID, you can open a Sao Wallet. A Sao agent nearby can help you in person.
How to get it
Get the Sao app on Google Play or the App Store.
Use your Ghana Card, passport or voter ID. This takes a few minutes.
Deposit at any Sao agent, by bank transfer or from another 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.
Withdraw cash at any Sao agent. You can also send money from your wallet to a bank account.
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.
Open in minutes. Works on any phone you own.
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