Frequently Asked Questions


What is the Achieve app?

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.

How do I start saving or investing through Achieve?

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!

What do I need to activate my account on Achieve?

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.

Are there charges for making payment?

No! it is completely FREE. There are no charges when you top-up using your mobile money wallet and Visa or Mastercard.

How secure is my money?

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. 



What is DigiSave?

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. 

How much do I need to start investing in DigiSave?

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.

How do I make a top-up into my DigiSave investment or goal account?

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. 

Will I earn interest on my top-ups?

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. 

When will my top-ups begin to earn interest?

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

Can I withdraw my money at anytime?

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. 

How do I withdraw my money?

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. 

Are there any withdrawal charges?

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.  


Why should I complete my investor profile?

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.

Why do I need to provide my annual income?

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.

What is Next of Kin?

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.

Why should I verify my ID?

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.

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