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Our Account Types

Pick the account that fits your goal, then open it with the amount shown on the card.

Open with GHS 50 Adwumapa Account

Adwumapa Account

Features
  • Attractive interest rates
  • Monthly Interest
  • Easy withdrawals monthly
  • Easy account management
What you need
  • Mobile Number
  • Valid National ID
  • Valid Email Address
  • Passport-sized photo
  • Proof of address / GPS
  • GHS20 to open Account
Open Account
Open with GHS 20 Daily Savings Account

Daily Savings Account

Features
  • Pass Book Fee GHS 10
  • Daily mobile collections
  • Assigned field officer
  • Lower interest on Loans
What you need
  • Mobile Number
  • Valid National ID
  • Valid Email Address
  • Passport-sized photo
  • Proof of address / GPS
  • GHS10 to open Account
Open Account
Open with GHS 50 Property Account

Property Account

Features
  • Save to buy land
  • Save to buy House
  • Save to buy Car
  • Save to buy Property
What you need
  • Mobile Number
  • Valid National ID
  • Valid Email Address
  • Passport-sized photo
  • Proof of address / GPS
  • GHS50 to open Account
Open Account
Open with GHS 50 Shares Savings Account

Shares Savings Account

Features
  • Save to buy Shares
  • Transparent transactions
  • Grow Your Wealth with Dividends
  • Daily or weekly Savings
What you need
  • Mobile Number
  • Valid National IDs
  • Valid Email Address
  • Passport-sized photo
  • Proof of address / GPS
  • GHS50 to open Account
Open Account
Open with GHS 50 Business Account

Business Account

Features
  • Track All transactions
  • Online Internet banking
  • Access to SME loans
  • Mobile banking & alerts
What you need
  • Mobile Number
  • Valid National ID
  • Valid Email Address
  • Passport-sized photo
  • Proof of address / GPS
  • Registration documents
  • GHS50 to open Account
Open Account
Open with GHS 20 Rent Savings Account

Rent Savings Account

Features
  • Daily Savings to pay rent
  • Disciplined savings
  • Avoid rent pressure
  • Flexible withdrawal
What you need
  • Mobile Number
  • Valid National IDs
  • Valid Email Address
  • Passport-sized photo
  • Proof of address / GPS
  • GHS20 to open Account
Open Account
Open with GHS 10 Mofra Daakye Account

Mofra Daakye Account

Features
  • Save for your children
  • Joint parental access
  • Plan ahead for school
  • Avoid Future Financial Burdens
What you need
  • Mobile Number
  • ID of parent/guardian
  • Valid Email Address
  • Passport-sized photo
  • Proof of address / GPS
  • Birth certificate
  • GHS10 to open Account
Open Account
Open with GHS 500 CashPlus Fixed Deposit

CashPlus Fixed Deposit

Features
  • Guaranteed fixed returns
  • 3 to 12-month terms
  • Higher interest over time
  • Invest Today. Secure Your Future
What you need
  • Mobile Number
  • Valid National ID
  • Valid Email Address
  • Passport-sized photo
  • Proof of address / GPS
  • GHS500 to Open Account
Open Account

Getting started is simple.

Join thousands of Ghanaians building their financial future in just four easy steps.

Whether you want to save, access micro-loans, or invest — we make it easy and secure.

1

Create your account

Provide your name, phone number, Ghana Card, and a secure password. You can sign up online or at any Micro Point branch.

2

Verify your identity (KYC)

Complete a quick verification using your Ghana Card and a selfie to secure your account and meet Bank of Ghana requirements.

3

Start saving or apply for a loan

Select a savings plan, fixed deposit, or small loan. Fund your account via mobile money, bank transfer, or cash deposit.

4

Manage & grow

Track balances, make transfers, and monitor investment returns using our secure web dashboard or mobile app.

How It Works

Micro Point focuses on simple financial products for everyday Ghanaians — savings groups (susu), fixed-term investments, micro-loans, and payments.

Accounts are insured where applicable and secured with top industry standards.

  • Mobile money friendly: Accepts MTN, Vodafone, and AirtelTigo mobile money.
  • Transparent fees: All fees are displayed before you confirm any transaction.
Tip: Keep your Ghana Card and registered phone ready during signup for instant verification.

We Offer

Loans, payments and agency services designed around how Ghanaians earn and spend.

Business Loan

Business Loan

Quick-Access Business Loans for Entrepreneurs, Traders & SMEs.

Features
  • Low interest rates
  • Quick approval
  • Flexible repayment
  • Easy Top-up options
What you need
  • Valid national ID
  • Business registration
  • Guarantor-collateral
  • Micro Point account
Ask about this
Personal Loan

Personal Loan

Fast, Reliable Support for Emergencies and Personal Needs.

Features
  • Flexible repayment
  • Competitive interest
  • Instant processing
  • insurance cover
What you need
  • Valid national ID
  • Proof of income
  • Micro Point account
  • Guarantor-collateral
Ask about this
Agency Banking

Agency Banking

Become an agent and provide Micro Point services in your community.

Features
  • Withdrawal & deposit
  • Inter Bank Transfer
  • Open accounts
  • Offer mobile banking
What you need
  • Phone Number
  • Valid National ID
  • GPS / Email Address
  • Initial deposit
Ask about this
General Bills Payment

General Bills Payment

Easily pay electricity bills or top up prepaid meters at any Micro Point branch.

Features
  • Prepaid bill payment
  • Postpaid bill payment
  • Instant Receipts
  • Pay dstv bills easily
  • Pay water bills easily
What you need
  • Meter/account number
  • Phone number
  • Cash / Momo Pay
  • Visa Card Payment
Ask about this
Secure Payment System

Secure Payment System

We accept secure payments through all networks and platforms.

Features
  • All Momo payments
  • Visa Cards Payment
  • Hubtel Payment
  • Inter-Bank Payment
  • Our USSD *713*533#
What you need
  • Mobile / PC device
  • Valid Phone Number
  • Valid payment mode
  • Easily to pay
Ask about this
Digital Banking

Digital Banking

Access your account, and manage your finances 24/7 via Our Web Portal.

Features
  • Send money
  • Deposit money
  • Withdraw money
  • Check Statements
  • Check balance
What you need
  • Registered number
  • Micro Point account
  • PIN setup
  • Setup 2FA
  • Have a Smart Phone
Ask about this

Our Performance

7,650+

Happy clients served with excellence and trust over the years.

96%

Client retention rate shows strong satisfaction and loyalty.

4,200+

Active users accessing our services via mobile banking solutions.

1hr

Average time to resolve customer requests and support tickets.

Consistency Builds Wealth — Not Just Amounts

At Micro Point, we understand that the journey to financial success isn’t about how much you save, but how often you save.

You don’t need to start big — you just need to start. A few cedis set aside consistently each week can grow into something truly powerful. Like gentle raindrops filling a bucket, it's the discipline of saving regularly that creates abundance.

Make saving a habit, not a one-time effort. Trust the process. Stay committed. And let Micro Point walk with you every step of the way.

Talk to Us

Send your question and it opens in WhatsApp, ready to send to our team.

Contact Illustration

Contact Us

You can also call 0201162491 or 0302453595.

Our Regulators

Ministry of Finance
GCSCA
Bank of Ghana
Department of Cooperative
Mp1 Digital
Data Protection Ghana

Our Working Hours

We’re here to serve you with excellence.

Checking hours…
Opening Hours
  • Monday - Friday: 8:30 AM - 4:30 PM
  • Saturday & Sunday: Closed
Our Location

Head Office, Asofan - Greater Accra
Near Jojo Water

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