Building Financial Inclusion, One Community at a Time
We believe that financial tools should work for everyone, regardless of income level or background.
Our Mission
To democratize financial access across Nigeria and Ghana by providing simple, trustworthy, and culturally-relevant savings and financial tools. We empower women and low-income earners to build economic resilience, achieve their goals, and secure brighter futures for themselves and their families.
Our Vision
A West Africa where every woman and every low-income earner has the tools, knowledge, and support to achieve financial independence. We envision communities where savings culture thrives, where small contributions compound into life-changing outcomes, and where financial exclusion is a thing of the past.
From Observation to Action
Savera began in 2022 when our founder, Ngozi Adeyemi, witnessed a devastating pattern while working in microfinance across Lagos and Accra. She saw hardworking market women, teachers, and farmers struggling to build savings despite earning enough to do so.
The problem was not lack of income — it was lack of access. Traditional banks required minimum balances, charged hidden fees, and operated in locations inconvenient for working-class communities. Meanwhile, informal savings groups (called ajo, susu, or esusu) had been serving communities for generations but lacked modern tools.
Savera bridges this gap. We digitize the trust and community accountability of traditional savings circles, while adding the convenience, security, and growth opportunities of modern fintech.
What Drives Us Every Day
Empathy First
We design every feature with our users' lived realities in mind. Low data usage, offline functionality, and local languages are not afterthoughts — they are core requirements.
Trust & Transparency
No hidden fees. No confusing terms. Every transaction is clear, every fee is explained, and every savings goal is tracked openly. Your trust is our most valuable asset.
Community Power
We believe people achieve more together. Our group savings features harness the social accountability that has helped African communities thrive for generations.
Sustainable Growth
We promote financial behaviors that create lasting change. Quick fixes and predatory lending have no place in our ecosystem. We are building wealth, not debt.
Local Relevance
Our platform speaks your language — literally and figuratively. From Yoruba to Twi, from market cycles to farming seasons, we build for your context.
Accessibility for All
Whether you earn 20,000 NGN or 200,000 NGN monthly, Savera works for you. No minimums. No judgment. Just tools that adapt to your reality.
The People Behind Savera
A diverse team united by a shared commitment to financial inclusion across West Africa.
Ngozi Adeyemi
Founder & CEO
Former banking executive with 15 years experience in microfinance across West Africa.
Kwame Asante
Chief Technology Officer
Software architect with experience building fintech platforms for emerging markets.
Amina Bello
Head of Community
Community organizer who has worked with women cooperatives across Northern Nigeria.
Dr. Kofi Owusu
Financial Advisor
PhD in Development Economics. Former advisor to the Bank of Ghana on financial inclusion.
Common Questions
Savera is available throughout Nigeria and Ghana. We have active users in Lagos, Abuja, Kano, Ibadan, Accra, Kumasi, Tamale, and over 100 other cities and towns. As long as you have a mobile phone, you can use Savera.
You can start with as little as 100 NGN. There is no minimum balance requirement, and you can adjust your savings amount anytime through the app.
Absolutely. Savera is licensed by the Central Bank of Nigeria and the Bank of Ghana. All deposits are held in partner banks with full deposit insurance. We use bank-level encryption and security measures.
Yes, you can withdraw your savings at any time. Standard withdrawals to your linked bank account or mobile money wallet take 1-2 business days. Instant withdrawals to other Savera users are immediate.
Our app supports English, Yoruba, Igbo, Hausa, Twi, and Ga. Our customer service team can assist in all these languages as well.
You can create a savings group with friends, family, or colleagues. Set a group goal and contribution schedule. Each member's contribution is tracked transparently, and the group reaches the goal together. Perfect for contributions, investment clubs, or collective business ventures.
Want to Learn More?
Our team is ready to answer your questions and help you get started on your savings journey.
Get in Touch