Global Ghana Uganda South Africa
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Money that moves with you.

Borrow, pay and save from one app, built for how people across Africa earn and spend.

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Fido Score Build your Fido Score and unlock bigger, better loans. Build credit
Borrow Personal Credit Instant credit to your mobile money wallet Business Loans Working capital to grow your business
Everyday money Pay Airtime, data and bills in a snap Save Save anytime, earn every day Build Credit Grow your Fido Score, unlock more

Empowering individuals and entrepreneurs.

We build inclusive, instant financial services that help people across Africa capture opportunities.

About Fido
We're hiring Join us in our mission to make financial services accessible in Africa. View openings
Fido About us Our mission and the team behind Fido Careers Build the future of finance with us Contact Talk to us or visit our offices
Trust & reports Impact Report Small business, big impact ESG Report Building a more responsible future Whistleblower Portal Speak up safely and confidentially Professional Conduct Our commitment to doing right

Grow your money know-how.

Free guides, webinars and courses to help you budget, save and build your business.

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Fido Academy Free courses on money, credit and running a business. Start learning
Read & watch Blog Money tips, how-tos and Fido news Events Webinars and in-person sessions
Get help Help centre Answers to common questions Lodge a complaint We listen, and we act on it
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Trusted by 1m+ customers across Africa

Your money,
your future.

Get credit, save money, and handle bills 24/7. The everyday money app built for Ghana.

Get started Explore products
+$500m in credit distributed
to people and businesses
1m+ customers served across Africa
$500m+ value of credit distributed
85% of customers recommend Fido
24/7 access. No banker's hours, no hidden fees
What you can do with Fido

One app.
Every money move.

Borrow when life happens, pay in a snap, save as you go and build the credit that opens bigger doors.

Borrow

Credit when life happens.

Personal and business credit straight to your mobile money wallet. No collateral, no paperwork, no hidden fees.

Personal Credit Business Loans
Pay

Pay in a snap.

Airtime, data, bills and buy now, pay later. All in one place.

Explore Pay → Save

Save anytime, earn every day.

Competitive interest on every deposit, with quick withdrawals whenever you need them.

Explore Save → Build Credit

Keep calm & build credit.

Repay on time, grow your Fido Score and unlock bigger, better loans. Your badge of trust.

Build your Fido Score →
How Fido works

Three steps to
money on your terms.

At Fido, we're dedicated to offering clear, fast and customer-focused lending. Getting started takes minutes.

STEP 01

Verify your identity

Use your selfie, Ghana card, and address to access instant loans in Ghana with Fido.

STEP 02

Get your Fido Score

Unlock more with Fido, the leading loan app in Ghana. Answer a few questions and access better loan options.

STEP 03

Own your finances

Take charge of your money with Fido. Anytime, anywhere, straight from your phone.

Testimonials

Why our customers love us.

“I'm glad to be Fido's first customer. The credit I received was a great support to my business. I also did well to pay back on time, which gave me access to more credit facilities.”

Darlington Kofi Kumebia Business owner, Ghana
Facts & numbers 85%

of customers recommend Fido services to friends and family.

Customer story

How Nancy revived her business after almost losing everything.

Customer story

“I've been a Fido customer for the past 5 years. Fido has never disappointed me.”

Taxi driver, Accra
Fido Academy

Learn money skills, for free.

Short, practical courses and webinars on budgeting, saving, credit and growing your business, for workers, students, traders and small business owners.

Start learning