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Fido Micro Credit review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Fido Micro Credit's savings pot pays 10% on an easy access basis, well ahead of the 3.08% that savings accounts typically manage. It suits you if you hold money in Ghana, bank from your phone and want interest added daily without committing to a term.

Key facts

Best for
An easy-access pot for savers in Ghana who want a high return without a term.
Headline rate
10%↗
Rate type
Variable↗
Minimum deposit
GHS 20↗
Access terms
Save anytime and withdraw anytime from the Fido app 24/7, interest calculated daily↗
Account kind
Easy access↗
Legal entity
Fido Micro Credit Limited↗
Headquarters
Ghana↗
Support channels
Email, Phone, Help-centre↗
Official website
gh.fido.money

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Interest of 10% sits well above the 3.08% that savings accounts typically pay.
  • You can save and withdraw in the Fido app at any hour, and interest is worked out day by day.
  • Support runs on email, phone and help centre, so a person answers by phone or email as well as in the help centre.

Cons

  • The rate is variable, so the 10% on offer is not locked in for a term.
  • Opening the account takes a minimum deposit of GHS 20, so it suits savers with a little to put away rather than a first tiny amount.
  • Access terms run through the Fido app only, so saving and withdrawing both depend on having the app to hand.
Fido Micro Credit

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Who it suits

  • Savers in Ghana who want a high return on money they may need at short notice: the account is easy access and pays 10%.
  • People who bank from a phone anyway, since saving and withdrawing both happen in the Fido app and interest is added day by day.
  • Anyone weighing this against PayPal Colombia, whose savings rate of 3.3% sits well under what Fido pays.

Who should look elsewhere

  • Readers chasing the biggest headline figure on the list, since Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%.
  • Savers who need their rate fixed for a set term, because the rate here is variable rather than locked.

Rates and card terms

Fido Micro Credit pays 10% on the money you save in the app. The rate is variable, so Fido can reset it whenever it chooses, and the number in the app today is the one that matters for planning. Check the current figure before you commit a large balance, and again after any change.

The company behind it

Fido Micro Credit is run by Fido Micro Credit Limited, a company based in Ghana and regulated by the Bank of Ghana. Support runs on email, phone and help centre, so you can reach the team by phone or email, or read the help centre at your own pace. Reading the terms of service before you add a large balance is a sensible step.

How Fido Micro Credit compares

Where Fido Micro Credit is available

Available
Ghana, South Africa, Uganda
Licence in Ghana
Bank of Ghana, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I earn on my savings?+

Fido Micro Credit pays 10% on the savings balance, and the rate is variable, so it is not locked for a set period. That sits well above the 3.08% that savings accounts typically pay, which is the main reason to look here.

Can I withdraw money whenever I want?+

Yes. The account is easy access, so you save and withdraw through the Fido app at any hour of the day, with no notice period to serve. The same rule runs the other way, letting you top up whenever it suits you rather than on a set payday.

How much do I need to open the account?+

The minimum deposit is GHS 20, which is the amount that has to sit in the account for it to open. Any balance you add beyond that follows the same rate, so a first top-up can be as small as the minimum allows and grown later through the app.

Who runs the account and who supervises it?+

Fido Micro Credit is Fido Micro Credit Limited, a company based in Ghana and regulated by the Bank of Ghana. Before you rely on the balance for a planned purchase, read what the terms of service say about how your money is held and what protection applies.

How do I get help if something goes wrong?+

Support runs on email, phone and help centre, so you can call, send an email or work through the help centre at your own pace. Because saving and withdrawing both happen inside the Fido app, it helps to have the app open when you raise a question about a specific balance.

How does the rate compare with the other accounts listed?+

Fido's 10% sits below 24.19% at Plazo ES and 21.59% at AXI Card Tarjeta y Credito, and well above 3.3% at PayPal Colombia. The fairer comparison is the 3.08% that savings accounts typically pay.

When is interest added to my balance?+

Interest is worked out and added day by day, so your balance grows in small daily steps rather than in one payment at the end of a term. On an easy access account like this, that daily habit means you can leave money where it is for a while without planning a withdrawal date.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Deposit protection.

Fido Micro Credit

Fido Micro Credit

An easy-access pot for savers in Ghana who want a high return without a term.

See alternatives