Easy Save is a digital savings account inside the Fido app and powered by Access Bank. All you need is your Ghana Card to register. Once you start saving, you earn up to 10% interest per year. You can deposit or withdraw anytime at no cost to you.. It’s fully digital, and your savings are securely backed by Access Bank.
Who can use EasySave
Easy Save is available to both new and existing Fido customers.
How much do I need to start saving?
You can start saving with as little as GHC 20.
What do I need to open it?
To open an account, download the Fido app, register with your Ghana Card, and link your mobile money wallet. If you’re already a Fido customer, simply log in and tap the Easy Save banner to get started.
What is the interest rate?
The rate is up to 10% per annum, and your savings grow every day based on your balance. The longer your money stays in Easy Save, the more it earns—day by day. (Disclosure: **up to 10% per annum; interest accrues daily.)
Can I withdraw anytime?
Yes. With Easy Save, your money is always accessible. You can withdraw any day.
Are there fees?
Deposits are completely free, and only a small fee applies when you make a withdrawal.
How secure is my money?
Your money is completely secure on Easy Save. We have partnered with Access Bank which is licensed and regulated by the Bank of Ghana. All funds are held in safekeeping with the bank.
Does saving with Easy Save affect my FidoScore?
Yes. Saving boosts your FidoScore, which can help unlock more credit opportunities over time.
How do I make my first deposit?
You can deposit money into your Easy Save account from your linked momo wallet. Follow the steps below Here is how to make your first deposit: Open the Fido app
Click the Easy Save banner
Click Make first deposit
Enter the amount you want to deposit
Click Next
Review the deposit details
Click Confirm
You will receive a prompt from your network provider. Enter your MoMo PIN to authorise the transaction.
How do I withdraw my money?
You can only withdraw into your linked momo account. Follow the steps below: Open the Fido app
Click the Easy Save banner
Click Withdraw
Enter the amount you withdraw
Click Next
Review the withdrawal details
Click Confirm
You will receive a prompt indicating that your money has been successfully sent to your MoMo wallet.
Which channels will Fido use to contact me about Easy Save?
You may see messages in-app, push, SMS, or email—always from official Fido channels. For your safety, manage your savings only inside the Fido app and never share your PIN with anyone.
Repayment
How do I repay my personal credit with Fido?
Initiate repayment from either the Home Page or Credit Page in the Fido App.
How do I choose how much to repay?
Options include Full Payment, Choose Other Amount, or Next Payment.
Can I repay without the Fido App?
Yes — use USSD (*998#, MTN, or Telecel codes) to repay without the app.
Can I pay off my credit balance early?
Yes — you benefit from paying early and only pay interest up to the repayment date.
What happens if my repayment is delayed?
Late repayments may attract penalty fees and additional interest charges.
Why is timely repayment important?
Timely repayment helps maintain a good Fido Score and continued access to products.
Can I repay a defaulted credit?
Fido allows you to repay defaulted credits and rebuild your credit standing.
Will I receive confirmation after repayment?
After payment is processed, you receive a confirmation in the app and/or SMS.
Can I repay with a different wallet?
Yes — you can repay using an alternative wallet via USSD procedures.
What should I do if a repayment doesn’t reflect?
Contact Fido Customer Support for assistance.
Payment
What is a payment method?
Your payment method is the mobile money wallet where your approved credit funds will be deposited.
Which wallets are supported?
Fido supports MTN Mobile Money, AirtelTigo Money, and Telecel Cash.
Must the wallet be registered in my name?
Yes — make sure the wallet is active and registered in your name.
Can I change my payment method?
You can change or add a new mobile money wallet before confirming payment.
Can I use someone else’s wallet?
No — ensure your payment wallet is active and registered in your own name.
Do I need to make payments at pick-up stations?
No — you only authorize payments through your mobile money wallet.
Are there benefits to paying early?
Yes — you pay less interest and can improve your Fido Score.
What happens if payment is delayed for device credit?
Late payments may affect your repayment terms and score.
Is interest charged until full repayment?
Interest is applied daily up to the repayment date.
How do I authorize payment?
After selecting amount, confirm payment and enter your mobile money PIN to authorize.
Fido Score
What is Fido Score and why is it important?
Your Fido Score is a tool that helps you unlock larger credit limits and improved credit terms from Fido.
How do I know if I have a good Fido Score?
A higher Fido Score gives you access to even better offers from Fido.
How does Fido Score work?
Before your first credit approval, we assign you an initial Fido Score based on the information you provide during your account registration. Over time, you can improve your Fido Score by timely payments and providing additional financial and personal information.
What actions negatively affect my Fido Score?
Late or missed payments, defaulting on credit, and inconsistent payment history negatively impact your Fido Score.
Can timely repayments improve my Fido Score?
Yes — timely payments can improve creditworthiness and help grow your Fido Score.
Is my Fido Score shared with third parties?
Your Fido Score is for your personal use only, and we will not share it with any third party without your consent.
Can I check my Fido Score in the app?
Yes — you can check your Fido Score in the Fido app by logging in and viewing the Fido Score section on the Home Page.
Does providing more information improve my Score?
Providing additional financial and personal information over time can help improve your Fido Score.
Why don’t I have a Fido Score yet?
Your score may not be available until you’ve completed registration and provided enough data for scoring.
Can defaulting reduce my Fido Score?
Yes — defaulting on your credit negatively impacts your Fido Score.
