Available at launch
Invest
Fixed-term plans with the return, dates and early-withdrawal rules set out up front. Track every payment as it happens.
See the plans →Digital microfinance, built for Ghana
Watch your money grow.
Ocean Trust puts investing in your pocket. Sign up in minutes, choose a plan with its returns and dates set out up front, and follow every cedi from the app. Savings and loans are on the way, and real people stand behind every payout.
Coming soon to Google Play
Coming soon to the App Store
- On the 90-day plan
- 9%
- A month on the 6-month plan
- 3%
- Plans start from
- GHS 5,000
The Ocean Trust app is in final testing. Download links will appear here as soon as it is available.
- Invest from your phone
- Returns and dates set out before you apply
- Savings and loans coming soon
- Every payout reviewed by a person
- One-time codes, no passwords
- Agents close to home
What we offer
One app for your money life
Ocean Trust is building a digital home for your money: investing first, with saving and borrowing joining it in the same app. Everything is shown in plain words before you commit.
Coming soon
Save
Put money aside for what matters and watch it build up, right next to your investments.
Coming soon
Borrow
Personal loans with the full cost on screen before you accept: what you receive, what you repay and when.
Available at launch
Help nearby
Ocean Trust agents help you sign up, answer your questions and get you started in person.
Plan for what's next
Give your money a date and a purpose
The best plan is the one that matures when you need the money. Think about the moment, then choose the term.
About 3 months away
Next term's school fees
Set the money aside now and collect it with its return when the 90-day plan matures.
About 3 months away
Stock for the festive rush
Let your shop's capital work for a season, then bring it back in time to restock.
Over 6 months
Rent advance, month by month
The 6-month plan pays profit every month after the first, so you see progress while your capital works.
Coming soon
A cushion for the unexpected
Savings are coming to the app, so you can build a buffer for the days that don't go to plan.
Examples to help you think about timing, not advice. Choose what fits your own situation and read each plan's terms before you apply.
Invest
Two plans to start with
Your return is worked out on your original capital, and the app shows your full schedule before you apply.
90 days
3-Month Fixed-Term Investment
9% for the full 90-day term, paid with your capital at maturity
- Term
- Exactly 90 days
- Amount
- From GHS 5,000, no maximum
- Return paid
- At maturity
Example: GHS 5,000 pays GHS 5,450 at maturity.
The 9% is a total for the term, not a monthly or yearly rate. Need your money sooner? Give 14 days' notice and you receive your capital plus 0%, 2% or 5%, depending on how long the plan has run.
Work out your return →6 months
6-Month Fixed Investment Plan
3% of your capital every month, 18% over the 6 months
- Term
- 6 months
- Amount
- GHS 10,000 to GHS 100,000
- Profit paid
- Monthly, one month in arrears; the last two months with your capital at maturity
Example: GHS 10,000 earns GHS 300 a month, GHS 11,800 in total with your capital.
Need your money sooner? Give 14 days' notice. Profit is paid only for completed months, at a lower rate, and profit already paid is deducted, so you could receive less than your capital.
Work out your return →Coming soon
Savings and loans
Savings accounts and loans are on the way. They will appear in the same app, with the same clear terms before you commit.
These are summaries. Each plan's agreement, shown in the app before you apply, sets its full terms. Investment plans are not bank deposits and are not covered by insurance.
Returns calculator
What could your money earn?
Pick a plan and an amount to see what it pays and when.
Digital first, human always
Open, fund and track, all from your phone
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Get the app and sign in
Sign in with a one-time code. No password needed.
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Verify your identity
Use your Ghana Card, passport, voter ID or driver's licence. It takes a few minutes.
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Choose a plan and fund it
Once your application is approved, pay by bank transfer within 7 days and upload your receipt. Your plan starts when we confirm the exact amount.
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Track every payment
See your dates, profit and maturity in the app. Payouts go to your verified account.
Our principles
How we look after your money
Clarity before commitment
Every rate, date and early-withdrawal rule is on screen before you apply, and your full schedule stays in the app.
A person checks every payout
Authorised Ocean Trust staff review payouts before money moves, and every action is recorded.
You stay in control
Ask for an early withdrawal with notice, tell us what to do at maturity, and choose who receives your returns.
Plan for the people you love
Record your next of kin and beneficiaries, and a verified representative can act for you if you are unable to.
Security
Security in every step
Your money and your details are protected by the way the platform works, not just by a promise.
- One-time codes, no passwords There is no password to steal: each sign-in uses a fresh code.
- Fresh checks for sensitive steps Staff confirm payouts and other sensitive actions with a new identity check each time.
- Private documents Your ID and documents open only for authorised staff, and every opening is recorded.
- A full record Every payment, instruction and approval is kept, and you can see yours in the app.
Stay safe: Ocean Trust will never ask for your one-time code. Do not share it with anyone, even someone who says they work for us.
Questions
Good to know
What can I do in the Ocean Trust app?
At launch you can sign up and verify your identity, apply for an investment plan, fund it by bank transfer, follow every payment, request an early withdrawal, give instructions for maturity and choose who receives your returns. Savings and loans are coming to the same app.
When can I download the app?
The Ocean Trust app is in final testing. Links to Google Play and the App Store will appear on this page as soon as it is available.
How do I pay into a plan?
By bank transfer to Ocean Trust's account. After your application is approved, the app shows the account details and your payment reference. Upload your receipt, and your plan starts once we confirm the exact amount.
Can I take my money out early?
Yes, with 14 days' notice. You receive your capital with a reduced return that depends on how long your plan has run. On the 6-month plan, profit already paid to you is deducted, so the payout can be less than your capital. Early withdrawals are reviewed before payment.
What happens at maturity?
Tell us in the app what you would like to do. If we do not have your instruction, Ocean Trust holds your money and contacts you before paying out.
Is my money insured?
No. Investment plans are not bank deposits and are not covered by insurance. Read each plan's terms in the app before you apply.
Who can I talk to?
An Ocean Trust agent can help you get started and answer your questions.
Your money, in your pocket
The Ocean Trust app is coming soon to Android and iPhone. Invest, follow your plans and see every payment from your phone.
Coming soon to Google Play
Coming soon to the App Store