Fido

Fido Solutions

About this app

Fido is licensed by the Bank of Ghana, Bank of Uganda and the National Credit Regulator (South Africa). We create opportunities for growth in Africa by changing the way individuals and entrepreneurs create, manage and build wealth. Enjoy instant financial services, such as access to business credit, savings, personal credit, and easy, cost-effective payments. Build your financial track record with Fido Score to take control over your finances and unlock improved offerings from Fido and our partners.

Here's what we offer:
1️⃣ Fido Business: Boost your business growth with Fido Biz Loans, offering up to GHS 5,000 to move your business forward.

2️⃣ Fido Score: Build your financial track record and control of your finances with Fido Score. Take actions to improve your Fido Score and unlock improved offerings from Fido and our partners.

3️⃣ Fido Savings: Put your money to work and prepare for your future with our high-interest savings product.

4️⃣ Personal Credit: Get an instantly pre-approved GHC100-3,500 credit line to meet your needs. It's fast, easy, simple and transparent.

5️⃣ Fido Payments: Pay bills, buy data, and airtime effortlessly. Each purchase improves your Fido Score.

6️⃣ Refer and Earn: Spread the word and invite your friends and family to join the Fido community and earn rewards.


Here’s how to sign up to Fido:
👉 Download the Fido App and register only once.
👉 Confirm your details with a valid ID (NIN / Ghana Card) and an address.
👉 You must be over the age of 18.
👉 Complete the Fido Score assessment.
👉 If you are a business, complete you business information.
👉 Kindly note Minimum Repayment period: 90 days and Maximum Repayment period: 180 days.
👉 We accept MTN, AT & Vodafone Mobile Money wallets.


Here’s how to repay:
👉 Log into the Fido App, select the 'Make a Payment' button and follow the prompts.
👉 You can also dial *998# to repay.
👉 For other options like using the MTN, AirtelTigo and Vodafone menus, find the repayment process in the Fido App 'Help' section.

Beware of Fraudsters:
❌ Don’t pay any deposits to any agents, Fido is a 100% mobile app!
❌ Don’t use a mobile money number that does not belong to you.
❌ Don’t use someone else’s Ghana Card.
❌ Don’t apply for someone else.


Fido personal credit and business loans are intended to assist entrepreneurs and individuals with their everyday needs and not to service long-term debt obligations. Maximum Annual Percentage Rate (APR) for the highest loan amount is 70%. This is based on an interest of 0.299% per day. Processing fee per credit is 26 GHS, and Deductible Commitment fee is 1.4%.

Representative Example:
A borrower who receives 3,500 GHS credit for a 180-day term, will be charged an interest rate of 0.299% per day, thus 1,203 GHS in 180 days, and a processing fee of 26 GHS, summing up to a total repayment of 4,729 GHS. A deductible 1.4% commitment fee is applied, and 49 GHS will be deducted from the principal.


‏In summary: 3,500 GHS (borrowed amount), minus 49 GHS (commitment fee) + 1,203 GHS (interest) + 26 GHS (processing fee) = 4729 GHS (total payment).
The borrower has the flexibility to make early repayments at any point which may reduce the above-stated interest.

Contact us at [phone] / www.fido.money for more details.

The privacy and confidentiality of your personal information and data is important to us. We are certified by the Data Protection Commission and hold an ISO 27001 certification.

Find out more: https://www.fido.money/legal-pages/privacy-policy-statement

Ratings and reviews

They are real and super fast with their services but if you repay late it becomes difficult for you to get another one. Plus it takes too long for the system to allow you to borrow again. Pls look into that because if the person repaid it means their is genuine and it was just a minor setback. Otherwise you might as well inform the customer he or she is not going to get anymore loans because they paid late so that the person can find help elsewhere. Because it's been more than a year already.

There's no "capture" to capture an image of myself whiles applying -- even though my face is in the circle as the app suggests, nothing happens thereafter. Is there something I'm missing here? Can't submit a ticket either; me hitting the "submit" button does pretty much nothing, even though my internet connection is quite strong and active. A prompt feedback would be much appreciated. Thank you!

First and foremost,it's a laudable update In right direction. However, when I try to login my account it gives me error and tells me system not responding. And have tried many times to access my account and get a transaction done but still the same response. This should be addressed ,as it is frustrating and can delay the repayment of outstanding loans. Thank you.

What's new

This update includes several improvements to enhance your experience in the app.
We have fixed some bugs and improved the overall performance.