Welcome to mSave Africa — where everyday transactions create opportunities to earn rewards, build loyalty and save for tomorrow. Buy and pay merchants through supported services, track your cashback, understand your MTN MoMo statements with AI-powered insights, and put your rewards toward your own savings goals or a savings group — through WhatsApp and the web.
Shop. Pay. Earn. Track. Save. Grow.
Save me now.
I will save you tomorrow.
mSave Africa, a product of SOKOWANDA LIMITED, connects customers, merchants and savings communities through cashback, loyalty rewards, supported payments and AI-powered insights. Choose to save your cashback yourself or with your savings group.
Built around the way people actually spend, save and manage money.
Access supported mSave services through a familiar messaging channel.
Discover participating merchants and pay through supported payment services.
Scan your MTN MoMo statement to discover your spending habits and identify hidden money leaks
Earn eligible rewards from participating merchants and track them.
AI-driven financial insights and personalized recommendations powered by your real transaction data.
Put eligible cashback toward your goals or a participating savings group.
Managing rewards and understanding your money should be convenient. With the mSave WhatsApp Bot you can use supported features through a messaging app you already know.
Available features depend on the services enabled for your account, participating merchants, payment-provider integrations and applicable terms.
Your mobile money statement holds a lot of information. mSave helps you read it in a clearer, more useful way.
Review money received over a period you choose, based on a supported MTN MoMo statement.
See where your money has gone and spot recurring transactions and spending trends.
Get general, AI-generated suggestions as a starting point for budgeting and saving decisions.
Whether you run a shop, supermarket, restaurant, hotel, pharmacy or salon, mSave helps you give customers more reasons to come back.
Build stronger relationships with the people who keep choosing your business.
Create eligible incentives that encourage engagement and repeat purchases.
Share relevant offers and updates through supported channels, with customer consent.
Move beyond one-time sales with loyalty that gives customers a reason to return.
Let customers pay through supported payment services, connected to their rewards.
Make your business and offers easier to find within the mSave ecosystem.
Saving does not always start with having more money. Sometimes it starts with making everyday spending more rewarding.
Shop with participating merchants and benefit from eligible cashback and loyalty programmes.
Choose to set your eligible cashback aside toward your own savings goals.
Where supported, contribute eligible cashback to a participating savings group and work toward shared goals.
Pick a saving style that matches your goals. Start small and build consistently.
Getting started takes only a few simple steps.
Register with your MTN number and choose the savings option that suits you.
Buy from participating merchants using supported payment services.
Earn eligible cashback and loyalty rewards and follow them in one place.
Put rewards toward your goals or group, and review your money with AI insights.
Make saving part of your everyday routine with mSave.
Building a more accessible and intelligent way for people and businesses to manage everyday payments, rewards, and personal finances. Our growth roadmap focuses on user adoption, merchant engagement, payment activity, and strategic partnerships.
mSave Africa, a product of SOKOWANDA LIMITED, graduated from Cohort 6 of the National Bank of Rwanda (BNR) Regulatory Sandbox in the Payment Aggregator category.
This milestone is a step in connecting customers and merchants through digital payment experiences, cashback and loyalty rewards, and customer engagement. We remain committed to responsible innovation and compliance.
mSave is not a bank, a deposit-taking institution or a licensed financial institution. Regulated financial services, where offered, are provided by appropriately authorized partner institutions.
We work with merchants, savings communities and financial institution partners, and are clear about who is responsible for each service.
Do you have an enquiry, feedback, suggestion or idea? We'd love to hear from you and help you make the most of mSave.
Email us at info@msave.africa
