Frequently Asked Questions

The Achieve app is a Ghanaian based digital platform that partners with licensed fund managers to provide you with safe investment products to help you achieve your financial goals. With the Achieve app, you can easily invest from the comfort of your phone or tablet without physically going to an investment institution or going through difficult processes and paperwork.

Saving or investing through the Achieve app is simple. All you need to do is to follow the four (4) steps below; 

• Download and install Achieve from Google Play or Apple Store. 
• Sign up with a valid email address and answer a few questions on the app to verify your identity. 
• Set up your mobile money wallet to make top-ups and receive withdrawals. You can also use your Visa or MasterCard for top-ups. 
• Create your first investment account or goal account and start saving. It’s that simple!

To start saving through the Achieve app, you need the following:

• A valid email address;
• A valid phone number;
• A valid identification card –  Voter ID, Passport, Driver License, SSNIT card or National ID 
• Personal information; and
• Your next-of-kin’s basic information. 

Your next-of-kin is your closest living relative. The next-of-kin relationship is important to determine who will inherit your investment(s) if you die without a will. The information provided will be used to verify the person you choose.

Yes! There is a 1% charge for MOMO top-ups capped at 10ghc and a 1.5% charge for card top-ups (Visa or Mastercard).

Your money is completely secure on Achieve! 

We partner with fund management companies and financial institutions who are licensed and regulated by the Securities and Exchange Commission (the “SEC”) or other financial market regulators. Additionally, all funds are held for safekeeping with a bank duly registered and licensed by the Bank of Ghana. 

DigiSave is Achieve’s first offering. It invests in the Plus Income Fund – an open-ended mutual fund managed by Blackstar Advisors (“The Fund Manager”) and held with Stanbic Bank for safekeeping. 

Mutual funds offer one of the easiest ways for you to reap the benefits of compound interest (i.e., earning interest on already earned interest). The more money you invest and the longer that money stays invested, the more compound interest you will earn. 

You can invest from as low as Ghc. 10. Achieve does not have a fixed time of investment. You can top-up your investment or withdraw at any time.

You can top up your DigiSave account from either your Momo wallet or Visa/Mastercard.  

 Momo Top-ups; 

1. Select your investment or goal account.
2. On the next screen, select “Top up”
3. Enter Amount
4. Select the Momo option and choose the wallet you want to pay from.
5. Select ‘Proceed’

You will receive a prompt from your network provider and be required to enter your secret mobile money pin to confirm. 

Visa or Mastercard Top-ups; 

1. Select your investment or goal account.
2. On the next screen, select “Top up”
3. Enter Amount
4. Select ‘Use debit/credit card’
5. Select the plus icon on the top right corner
6. You will be redirected to the payment portal of our payment service provider.
7. Choose the Visa or Mastercard option, enter your card information and select ‘Continue”.

NB: Top-ups are invested within 2 to 3 working days. 

Achieve is here to help you save and grow your money so that you can reach your financial goals faster. So Yes! You will earn interest on your DigiSave top-ups. And it is credited to your account daily.  

NB: Your daily interest depends on the performance of the financial market, your contribution amount, and how long you stay invested in the Fund. 

Your top-ups start to earn interest within 2 to 3 working days after payment, and on a daily basis thereafter.  

Yes! You can withdraw your money at any time with no penalty after it has been invested. It takes 2 to 3 working days to invest your money into the Plus Income Fund. 

You can withdraw into your Momo wallet or your Bank account.  

Follow the simple steps below; 

1. Select your investment or goal account
2. On the next screen, select “Withdraw”
3. Enter Amount
4. Select the ‘Wallet’ or “Bank Account” to withdraw into, and
5. Select ‘Proceed’

NB: You can use our Express Withdrawal feature if you want your money instantly. Otherwise, your withdrawal will be processed and paid on the next working day of request. 

There are no hidden charges and penalties for withdrawal. Our standard withdrawal payment option (i.e., payment is made on the next working day) is free of charge. You will only incur a standard 1% instant processing fee when you choose our express option.  

The Sentinel Africa Eurobond Trust is a moderate-risk unit trust scheme that invests in USD-denominated securities to provide investors with capital appreciation and competitive returns to help them build wealth over the long term.

The securities held in the scheme have an average maturity of between 10 to 25 years, and the scheme is actively managed by Sentinel Asset Management, an SEC-licensed asset management and investment advisory company.

You can start investing with a minimum of 100GHC. Achieve does not have a fixed time of investment. You can top-up your investment at any time.

You can top up your Eurobond Trust account from either your Momo wallet or Visa/Mastercard.  

 Momo Top-ups; 

1. Select your investment or goal account.
2. On the next screen, select “Top up”
3. Enter Amount
4. Select the Momo option and choose the wallet you want to pay from.
5. Select ‘Proceed’

You will receive a prompt from your network provider and be required to enter your secret mobile money pin to confirm. 

Visa or Mastercard Top-ups; 

1. Select your investment or goal account.
2. On the next screen, select “Top up”
3. Enter Amount
4. Select ‘Use debit/credit card’
5. Select the plus icon on the top right corner
6. You will be redirected to the payment portal of our payment service provider.
7. Choose the Visa or Mastercard option, enter your card information and select ‘Continue”.

NB: Top-ups are invested within 2 to 3 working days. 

You make money in two ways: 

• Income: When the underlying securities (Eurobonds & Fixed deposits) that the scheme invests in pays interest, the scheme distributes those earnings to its investors. You will earn a portion of that interest if you have funds in the scheme at the time of the distribution. 

• Capital gains: When the scheme sells an underlying security at a price higher than what was initially paid, the scheme makes a profit. When the scheme’s total profits exceed its total losses, it realizes a “net capital gain” and distributes those gains to its investors.  You will earn a portion of the capital gains if you have funds in the scheme at the time of the distribution. 

The above suggests that whenever you withdraw from the scheme, you forfeit any future interest and capital gains that will be paid out to you. To ensure that you make more money from the scheme and benefit from compounding, we recommend staying invested in the scheme for at least 2 years. 

Yes! You can withdraw your money at any time, but it is not instant. You will receive your funds in 5 working days.

NB: It takes 3 working days to process your deposit, so you cannot request a withdrawal right after you make a deposit. You have to wait at least 3 days for your funds to be processed before you can make a withdrawal.

You can withdraw into your Momo wallet or your Bank account.  

Follow the simple steps below; 

1. Select your investment or goal account
2. On the next screen, select “Withdraw”
3. Enter Amount
4. Select the ‘Wallet’ or “Bank Account” to withdraw into, and
5. Select ‘Proceed’

Yes! But the first 6months of you joining will be waived.

The details you provide on your investor profile form guarantees the safety of your funds against fraud and impersonation. As a regulated investment product we are required to verify your identity to serve you best.

It is the duty of the fund manager to make investments that are suitable for you. Knowing your annual income guides decision making during investment to ensure this.

Your next-of-kin is your closest living relative who inherits your investment portfolio in case of any uncertainty. It is important to fill in their details correctly. We will contact this person if we are unable to contact you for a long time.

Aside from being a regulatory requirement from the Securities and Exchanges Commission, you need to verify your ID to protect your account against Identity theft and fraud.