GETTING STARTED
How do I start investing on Chipper Cash?
To start investing, you first need to complete your Investment Profile in the Chipper app.
You will be asked to provide the details below:
Identity & Legal Verification: Submit your mandatory Ghana Card details along with your standard ID documentation.
Contact & Kin Details: Provide emergency contact details and Next of Kin information.
Occupation & Risk Profile: Input your employment/occupation details and complete a brief risk-tolerance questionnaire to help guide suitable investment options.
Payment Method Setup: Select and confirm your default payment and payout details (Bank Account).
Once your Investment Profile has been reviewed and approved, you can start investing in the available products.
How long does Investment Profile verification take?
We review your Investment Profile after you submit your details. Verification can take up to 24 hours. You will receive an in-app notification once your profile has been approved.
INVESTMENTS PRODUCTS
What investment products are available on Chipper Cash in Ghana?
Depending on your eligibility, you can access three investment options on Chipper:
Extra Stash
A lower-risk investment option focused on stability and income generation.
Future Wealth
A growth-focused mutual fund that invests primarily in equities and is intended for longer-term growth.
GH Stocks
Allows you to buy and sell shares listed on the Ghana Stock Exchange (GSE).
What is the minimum amount I can invest?
Extra Stash: GHS 10
Future Wealth: GHS 100
GH Stocks: GHS 100
GH STOCKS
When can I buy or sell Ghana (GH) Stocks?
The Ghana Stock Exchange trading session runs from 10:00 AM to 3:00 PM GMT, Monday to Friday, excluding applicable public holidays. Orders placed outside the trading session may be queued for the next available trading session.
Why is my stock order still pending?
A pending order means your order has not yet been matched and completed. This can happen when:
There isn't a matching buy or sell order available.
The stock has limited trading activity.
The price you selected is different from the available market price.
Your order can remain pending until a suitable match becomes available.
Can I cancel a pending stock order?
Yes. You can cancel a stock order while it is still pending.
Once an order has been filled, the completed portion cannot be cancelled.
If an order is partially filled, only the unfilled portion may be eligible for cancellation.
EXTRA STASH & FUTURE WEALTH
How is the price of my investment calculated?
Extra Stash and Future Wealth are mutual funds. Their unit prices are based on the fund's Net Asset Value (NAV).
The NAV can change based on the value of the assets held by the fund. The applicable cut-off time and valuation rules determine which NAV applies to your order.
How long does it take to receive money after withdrawing?
Withdrawals from Extra Stash and Future Wealth are typically processed within 24–48 business hours, subject to the applicable processing requirements.
Can I lose money?
Yes. Investments are different from a regular savings balance, and returns are not guaranteed.
Extra Stash is designed with a focus on relatively stable, lower-risk investments, but its value can still change.
Future Wealth invests primarily in equities, so its value can rise or fall with market performance. It is generally more suitable for investors who are comfortable with higher investment risk and longer investment periods.
FEES & PAYMENTS
What fees apply to investments?
The applicable fees depend on the investment product.
GH Stocks: A 2.5% trading fee applies to eligible buy and sell stock orders. The applicable fee is shown before you confirm your order.
Extra Stash & Future Wealth: The applicable fund management fee is reflected in the fund's unit price.
Withdrawals: Payouts are currently free, while applicable deposit charges may apply.
My money was deducted, but my investment order is still pending. What should I do?
If your order was placed after the 3:00 PM GMT cut-off window, your funds have been secured, but the order will finish executing during the next business day's session. If you experience unexpected delays past 48 hours, reach out to customer support via in-app chat.
Do you need further assistance?