Money, finally on your side.
A new bank for the modern Ghanaian.
Enter a Ghana mobile number, like 24 555 1234.
We’ll text you once, when your invite is ready.
Pay Kofi, not 024 ••• 3381.
Search by name, phone number or account number. Before you send, arrio shows the name registered to their bank account or MoMo wallet, so you know who gets the money.
Search by name or @tag
Requests waiting for you sit at the top. Everyone you’ve paid is one tap away.
Their registered name first
Checked with MTN MoMo or their bank. The fee is shown above the button.
10 seconds to take it back
After that, you see each step with the time, until it lands.
Don’t trust the screenshot.
Check the receipt.
A screenshot or an SMS alert proves nothing. Every arrio receipt and statement has a QR code, a reference and its own pattern, and anyone can check them, and when something goes wrong, you talk to a person.
Scan the code on the receipt with your phone camera. It opens this check with the reference filled in. Or type the reference:
We can’t find that reference. Ask the person who paid you to share the receipt from the arrio app.
Try ARR-0910-8K2M. You’ll see enough to know it’s real, but not anyone’s full name or number.
Anyone can check a receipt here, with or without the app.
Signed statements
A PDF for any period, signed by arrio. Banks, embassies and landlords scan its QR code to check it’s genuine.
A person, in the app
Chat from Help. A person from arrio reads every message and replies there.
Split your salary on payday.
Set your rules once. When your salary arrives, arrio moves fixed amounts or percentages into your pots and your joint account. The rest stays in your cedi account.
See whose meter it is. Then pay.
Type the meter number and arrio shows the name on it before you pay, so the units go to the right house. Your ECG token lands in the app, ready to copy. Airtime, data and water work the same way.
Put it in a pot.
Make a pot for rent, school fees or December. Pots earn interest, added every day. Take money out any time, or lock a pot until a date.
Kakra saves a fixed amount every day. GH₵ 20 a day adds up to GH₵ 7,300 in a year.
Your card works before it arrives.
Your virtual card is ready as soon as your account opens, so you can pay online straight away. The physical card follows in 3 to 5 working days. Freeze it, or turn off online payments, from the app.
Joint accounts
A shared account with its own number. You each get a card.
Requests and split bills
Ask for money or split a bill. People without arrio get a link by SMS.
Free trial alerts
We tell you before a free trial starts charging your card.
GhQR
Scan any GhQR code to pay in shops and markets.
About five minutes, with your Ghana Card.
Your phone number
We text you a six-digit code.
Your Ghana Card
Take a photo of the front. We read the details from it.
A selfie
We compare it with the photo on your card.
A passcode
Six digits, to open the app and approve payments.
Join the waitlist.
Leave your number. We’ll text you once, when your invite is ready.
Enter a Ghana mobile number, like 24 555 1234.