Yes. Uptima Credit and Microfinance House Limited is a licensed micro-credit and microfinance company under the Non-Bank Financial Institutions (NBFI) Act, regulated by the Bank of Ghana. We adhere strictly to all industry rules, ensuring client funds are secure and operations are transparent.

Ghanaian residents aged 18+ (individuals, salaried workers, SMEs, groups/associations). No minimum income required—we specialize in serving the unbanked and underserved. Bring a valid ID (Voter’s ID, Ghana Card, Passport), proof of address, and a passport photo to any branch.

Requirements vary by product but generally include: Valid ID and proof of income/activity (e.g., payslips, business records, guarantor for groups). Active Uptima savings/susu account (recommended). Clear repayment ability (no active bad debts). Loans start from small amounts with flexible terms. Apply now or visit a branch for a free eligibility ...

In-branch: Visit our Ajumako head office or authorized agents. Mobile Money: Transfer to our designated numbers (MTN MoMo, Vodafone Cash, AirtelTigo). Bank transfer: Use our account details (available on request). Withdrawals require ID and account verification for security. Minimum balances apply to some accounts.

Susu is a traditional rotating savings scheme adapted for modern use. You save a fixed daily/weekly amount (e.g., GHS 10–50), collected by our agents. At payout cycles (e.g., monthly), you receive the lump sum minus a small fee. Ideal for traders and informal workers building discipline and lump-sum funds.

Yes. As a Bank of Ghana-licensed institution: Client deposits are protected by our capital adequacy and liquidity requirements. We use secure systems for transactions. Insurance covers operational risks. We’ve served clients since [insert year, e.g., 2009] without major incidents. Report concerns via our complaints process.

Currently, we focus on secure in-person and agent-based services via Mobile Money integration. Full digital banking (app/portal) is in development. In the meantime: Check balances via USSD [if available: *code#]. Make payments via MoMo. Sign up for SMS alerts on your account.

Head Office: P.O. Box AJ 64, Ajumako, Central Region. Mon–Fri: 8:30 AM–4:00 PM. Agents in nearby communities (enquire for list). Holidays follow Bank of Ghana calendar. View map.

We value your input. Submit complaints via: Phone: +233 53 401 9840 Email: info@uptimacredit.com In-branch form. We resolve 90% within 7 days, per BoG guidelines. Escalation available to our Complaints Officer or Bank of Ghana. Or use the Compliant form here

Yes! We specialize in SME working capital, group lending (e.g., for market women’s associations), and Edwadie loans. Groups need a constitution, meeting records, and joint guarantors. Benefits: lower rates, shared responsibility. Learn more.

Earn competitive interest on fixed deposits (3–12 months) or treasury bills. Minimum: GHS 1,000. Rates quoted at branches (subject to BoG policy). Safe, regulated returns for savers seeking growth.

Transparent fees only: Account maintenance: Minimal/waived for active accounts. Loan processing: 1–2% (disclosed upfront). Susu commission: 5–10% of collections. Full schedule available at branches or on request. No hidden charges.

Absolutely. Donations fund financial literacy, outreach to the unbanked, and community projects—aligning with our social responsibility mission. Donate now. Tax advice: Consult your advisor.

Our vision: Mobilize funds to the unbanked for economic growth. We offer low-barrier products, agent networks in rural areas, and free financial education workshops. 70%+ of clients are first-time formal finance users   NOTE: coming soon!!

Service Required Documents Open Account Ghana Card/Voter’s ID, 2 passport photos, proof of address Personal Loan Above + payslip/bank statement, guarantor Group Loan Group constitution, IDs of 5+ members Investment Account details + investment form