How it works
STACK your
savings,
block by block.
From signup to your first deposit in under 2 minutes. No bank account, no paperwork, just your MoMo number and a 4-digit PIN. Here’s the whole picture.
02, Get started
From zero to
first deposit in 2
minutes.
The whole journey, end to end. Four simple steps, all done from your phone with the MoMo you already use.
01
Enter your MoMo number.
Just your mobile money number. No bank account, no paperwork, no ID upload. We use your MoMo to identify you securely.
02
Create your 4-digit PIN.
Set a 4-digit PIN to secure your account. That's the only password you'll need. You're in the app, ready to go.
03
Pick your first jar.
Choose Cedi Flex, Cedi Vault, Business Save, or Crypto Save, depending on what your money is for. Each jar has its own rules.
04
Top up from MoMo.
Move money from your MTN, Telecel, or AirtelTigo straight into your jar. Interest starts accruing the same day.
03, The four jars
Four ways to
stack your savings.
Each jar is built for a different reason to save. Pick the one that matches your goal, or open more than one. You can mix and match.
Cedi Flex.
Flexible everyday savings. Withdraw anytime, no penalties. Interest accrues daily and lands in your jar every 24 hours. Built for goals that need a little flexibility.
Up to 18%
Per annum
GH₵ 1
Minimum
Anytime
Withdrawals
Cedi Vault.
Fixed-term locked savings. Choose your term (30 to 365 days), lock the money, and let it compound. The discipline of waiting, with the reward of a higher rate.
Up to 36.5%
Per annum
30–365
Days locked
At maturity
Withdrawals
Business Save.
For traders, shop owners, and SMEs. Daily earnings into your jar automatically. Negotiated rates for higher volumes. Built for businesses that handle real cash flow.
Negotiated
Rates
Tailored
Terms
B2B
Only
Crypto Save.
Dollar-pegged stablecoins (USDT/USDC) held on-platform. A hedge against cedi volatility. Earn yield as you hold. For those building beyond a single currency.
USDT
/ USDC
Stable
Dollar-pegged
On-chain
Custody
04, Why Jenga Jar
No hidden fees.
No fine print. No surprises.
Honest about what we do, honest about what we charge. Four reasons your money is safer here than under a mattress.
See how Jenga Jar works,
step by step
Short, focused videos that walk you through everything, from creating your account to launching your first cell.
Tutorial · 1 min 24 sec
Create your Jenga Jar account in under 2 minutes
In this video
3 chapters
Sign up with your phone number
0:00
Enter your MoMo number to begin.
Set up your profile & PIN
0:45
Secure your account in seconds.
Fund your first jar from MoMo
1:08
Top up and start stacking.
Ready to start? Create your free account in less than 2 minutes.
Create free accountSee what you’ll earn
How much can
GH₵ 1,000 grow?
Pick a jar, plug in an amount, see exactly what you’ll earn. No surprises, no fine print, just the numbers.
Amount to save
Daily
Monthly
Yearly
Estimates based on current published rates. Actual returns depend on your activity and may vary. Interest accrues daily and is paid to your jar.
Open the full calculator