All your money in one place

Ladder is a personal finance app to help you seize control of your entire financial journey.

Bank account and mobile money data in one place

Link your bank and MoMo wallet to see where all your money is going.

Intelligent expense
tracking

Track your online & offline expenses across different spending categories. Get smart analytics, reports and spending recommendations.

Checking accounts
and debit cards

Open a digital current account and ever step into a banking hall again. Our debit cards learn from your spending history to help you build wealth.

Automated,
recurring savings

Build your savings without thinking about it. Daily, monthly, weekly towards specific goals with the option to lock in GHS or USD.

investment options

Smart investments starting from ₵1

Automate your investment in financial instruments such as Stocks, Mutual funds and Treasury bills.