Zaani. Join the waitlist
● Coming soon to Ghana

Every cedi, every wallet, one calm place.

Zaani brings MTN MoMo, Telecel Cash, AT Money and your bank into one calm app. Send safely, pay bills, save, and split costs with friends and family.

Join the waitlist Watch the video

Free to join. We'll message you when Zaani opens in your city.

Zaani means blessings in Kasem, the language of the Kasena people of Ghana's Upper East Region. Because every cedi is a blessing.
What Zaani does

Your money, finally in one place.

No more three USSD menus, two bank apps and a notebook.

All your wallets

MTN MoMo, Telecel Cash, AT Money and your bank account, side by side in one app.

Send safely

See the registered name before a single cedi moves. No more sending to the wrong number.

Top up from MoMo

Approve on your own phone with your own PIN. Zaani will never ask for your PIN.

Pay bills

ECG, Ghana Water, DStv and GOtv, airtime and data, without the queue.

Save and track

Savings goals like a rent advance, and a monthly view of where every cedi went.

Split pay

Split a bill or pay together with friends and family. Even friends without Zaani can pay from a link.

See it in under two minutes

Meet Zaani.

Watch how Zaani brings every wallet together, keeps your sends safe, and makes splitting costs with friends painless.

  • Every MoMo network and your bank, in one calm app
  • The registered name shown before you send
  • Bills, airtime and savings goals in a few taps
  • Split pay and group pots for friends and family
Join the waitlist
Split pay

Never chase anyone for money again.

Dinner, rent, the light bill, a gift for Mum, a funeral contribution. Zaani makes sharing the cost simple.

I paid, now split itSplit equally, by amount or item by item. Zaani asks each friend for their share and shows you who has paid.
Let's pay togetherEveryone chips in to a pot. When it's full, Zaani pays. If it doesn't fill, everyone gets their money back.
No app needed for friendsFriends without Zaani pay their share with MoMo from a simple link.
Built to be safe

Your money, looked after properly.

Zaani is being built with safety first, before a single cedi moves.

Held by a licensed partner

Your Zaani wallet will be held by a partner licensed by the Bank of Ghana. Zaani shows your money and moves it only when you say so.

Verified with Ghana Card

Every account is checked against the Ghana Card, so you know who you're paying.

We never ask for your PIN

You approve payments on your own phone. Zaani will never call or message to ask for your MoMo PIN.

Be among the first

Join the Zaani waitlist.

We're opening Zaani in waves, starting in Accra and Kumasi. Join now and we'll let you know when it's your turn, with an early invite for you and your friends.

  • Early access before public launch
  • Free to join, no payment details needed
  • We'll only contact you about Zaani