Top up your wallet anytime, anywhere — securely and instantly. Whether it's from mobile money or bank transfer, your funds are always safe with Abena Pay.
Build your savings little by little, every day. Our Daily Payment Savings (DPS) plans are tailored for women who want consistent growth and future security — with flexible terms that suit your lifestyle.
Put your money to work. Lock in your savings for a set period and enjoy guaranteed returns with our trusted fixed deposit options.
Send and receive money in seconds. Pay bills, transfer to loved ones, or make purchases — all from your phone, with no stress.
Need cash? Withdraw directly to your bank or mobile wallet, anytime. Quick access, no delays.
Empower another woman and earn while you do it. Invite friends and family to Abena Pay and enjoy rewards every time they transact.
Empowering Women Through Smart Financial Solutions. At Abena Pay, we understand the unique financial challenges many women face in Ghana — from supporting families and running small businesses to accessing affordable credit and managing daily expenses. That’s why our solutions are designed to give women power, control, and confidence in their financial journey.
We make sending money to family, business partners, or friends effortless. Whether you're supporting loved ones or managing your hustle, Abena Pay ensures every cedi gets where it needs to go — quickly and securely.
Accessing a loan shouldn’t be complicated or intimidating. Our easy-to-access microloans and flexible repayment plans are built to support women-led households and small businesses — helping you grow without financial pressure.
From electricity and water to internet and school fees, you can pay all your bills in one place. No queues, no delays — just more time and peace of mind to focus on what matters most.
Abena Pay empowers Ghanaian women with smart financial tools—from secure wallets and microloans to flexible savings and investment kits. It digitizes traditional susu groups, supports emergency healthcare loans, and offers business tools for market women. Our in-app financial literacy content builds confidence and money skills. Every feature is designed to meet real-life needs and support women’s financial growth.
Abena Pay supports both your mobile money and bank accounts. You can switch between them or use both to send, receive, and manage your money—making it easy to move funds securely across platforms.
Yes! You can manually deposit through any partner bank or mobile money vendor. Just choose the "Manual Deposit" option in the app and follow the easy steps.
Withdrawing is simple. Go to the Wallet section, select “Withdraw,” choose your destination (bank or MoMo), and enter the amount. Funds are typically received instantly or within minutes.
Your ranking improves as you stay active—save regularly, repay loans on time, refer others, and participate in financial literacy sessions. Higher rankings unlock better loan amounts and faster access.
Refer friends using your unique referral code. When they sign up and start using Abena Pay, you both earn rewards like bonuses, ranking boosts, or discounts on loan interest.
With Abena Wallet, sending and receiving money is instant—whether through mobile money or bank accounts. Plus, our Microloans and Emergency Loan tools ensure quick financial support when you need it most.
Designed with you in mind, Abena Pay is easy to navigate. From Flexible Savings Goals to Digital Susu Groups, everything is built to support your financial journey—no stress, no confusion.
Your safety is our priority. All transactions are encrypted, and your data is protected. Whether you're investing with Abena Kits or using the Merchant Toolkit, your finances are in safe hands.
Need help? Our support team is just a tap away. From understanding your Abena Mama Tracker to getting loan updates, we’re here to guide you every step of the way—because you deserve a partner who listens.
