Rules and regulations
These apply to every member of every group. By applying, you agree to all of them. There are no exceptions and no side arrangements.
You must be 18 years or older.
Strictly enforced
You must have a steady source of income.
All payments are non-refundable — registration fees, contributions and any other money sent to us.
Strictly enforced
The registration fee is a one-time joining charge. It is not a deposit and is not added to your cashout.
Strictly enforced
Only join groups whose daily contribution you can comfortably afford.
Strictly enforced
Contributions must be paid before 6:00 PM every day.
Strictly enforced
Late payments are flagged automatically and carry a penalty.
Strictly enforced
Defaulting forfeits your slot. Money already contributed does not entitle you to the payout.
Strictly enforced
Your slot is set when the group starts and is not changed afterwards except by an administrator, with a recorded reason.
You must complete the full cycle. Do not join otherwise.
Strictly enforced
A valid Ghana Card is required for verification.
Payments are collected by mobile money through NaloPay, and are only recorded once NaloPay confirms them.
Before you apply
A susu only works because every member pays every day. If you miss payments, someone else's collection date is at risk — not just yours. That is why defaulting forfeits your slot and the registration fee is not returned. If you are not certain you can pay every day for the full cycle, please do not apply.