My Step-Up Executive Micro Account is a discipline-embedded micro-savings solution designed for monthly earners to achieve three key objectives in a savings programme:

• To enable the financial discipline that is needed to be able to save purposefully;
• To gradually and consistently build-up savings in preparation for unexpected expenditure calls that can potentially derail dreams; and
• To incrementally create back-up reserve that can potentially grow to support personal investment needs.

PRODUCT FEATURES

• Fixed monthly deposit of GHS30.00.
• Savings build-up period shall be for a minimum of 12 calendar months.
• Each newly achieved GHS1,000.00 auto-converts to a savings block.
• Interest of 2% per annum on tranches of GHS1,000.00.
• New savings build-up process auto-starts once a savings block is achieved.
• Monthly deposit by Bank Standing Order, Mobile Money Transfer, or Cash.
• Withdrawal can be made against achieved savings block.

MY BENEFITS

• The little monthly commitment amount means I can still save with little disruption to the core financial commitments of my dream.
• I can take care of crucial unexpected expenditures that, although maybe small, can be potentially unsettling.
• The auto-created savings blocks create future liquidity that can potentially enable investment opportunities to be seized.

WHO IT IS DESIGNED FOR

• Business men and women
• Teachers
• Health workers; and
• General salary earners

My Step-Up Child Micro Account is designed for parents/guardians who understand that taking meaningful care of a child/ward comes with some critical expenditure. Such adhoc spending like when the child is about to be admitted to school or during graduations can be potentially unsettling if not well-saved for.

PRODUCT FEATURES

• I will commit to make fixed monthly deposit of GHS15.00.
• The savings build-up period shall be for a minimum of 12 calendar months.
• Each newly achieved GHS500.00 auto-converts to a savings block.
• Each newly achieved savings block will earn me interest of 2% per annum therefrom.
• New savings build-up process auto-starts once a savings block is achieved.
• I will make deposit by Bank Standing Order, Mobile Money Transfer, or Cash.
• I can make withdrawal against achieved savings block.

MY BENEFITS

• I am better prepared for my child/ward’s critical life investments.
• The little monthly commitment amount means little disruption to my current expenditure plan.
• The auto-created savings blocks means I can liquidate achieved block (s) when my child/ward’s spending need arises.

WHO IT IS DESIGNED FOR

• Parents
• Guardians

My Step-Up Target Micro Account enables the discipline customers require to achieve time-bound needed sum of money through savings. It is flexibly designed to ensure that little pressure is brought on current disposable income even as one builds-up savings to meet specific time-sensitive needs.

PRODUCT FEATURES

• I will commit to make agreed small fixed monthly deposits based on my savings target.
• The targeted savings build-up period will be at a minimum of 12 calendar months.
• I will continue the savings build-up programme until I achieve the targeted sum.
• I will earn interest of 2% per annum on account balance of GHS500.00 and above.
• I will make deposit by Bank Standing Order, Mobile Money Transfer, or Cash.
• I can make withdrawal against achieved targeted savings.

MY BENEFITS

• It’s a planned savings that ensures that I am able to achieve set financial objectives.
• The little monthly commitment amount means little disruption to my current expenditure plan.
• The flexibility of negotiating monthly commitments from a position of capacity and need is ideal for me.

WHO IT IS DESIGNED FOR

• Businessmen/women
• Health workers
• Teachers
• General salary earners

My Step-Up Business Micro Account is aimed at small business with growth intentions. It is designed to afford the discipline needed to gradually but consistently build-up business capital internally from monthly profit.

PRODUCT FEATURES

• I will commit to make monthly deposit of GHS20.00, GHS50.00, GHS100.00 or optional (higher) amount from my business profit.
• I will commit to the savings programme for two 2 years to realize accumulated savings of GHS480.00, GHS1,200.00 or GHS2,400.00 respectively.
• I will thus plough-back/withdraw the corresponding achieved accumulation every 2 years to inject as business capital.
• I will earn interest of 2% per annum on my savings build-up.
• I will make deposit by Bank Standing Order, Mobile Money Transfer, or Cash.
• The savings build-up auto-starts once the achieved sum has been ploughed-back/withdrawn.

MY BENEFITS

• I am able to save towards the growth of my business.
• The little monthly commitment amount means little disruption to my working capital.
• The capital build-up programme will ensure the sustainability of my business.

WHO IT IS DESIGNED FOR

• Petty traders and small business owners
• Salary earners planning for their own small business

This is a micro savings solution aimed at middle to high income earners. The monthly commitment is small compared to target customers’ disposable income but builds-up well over a period of time to be critically useful in situations of unexpected need for cash.

PRODUCT FEATURES

• I will commit to make fixed monthly deposit of GHS100.00
• The savings build-up period shall be for a minimum of 12 calendar months.
• I will consistently build-up to achieve tranches of GHS3,600.00 in a 3 year cycle.
• Each newly achieved GHS3,600.00 auto converts to a savings block
• Each savings block will earn me interest of 2% per annum therefrom.
• I will make deposit by Bank Standing Order, Mobile Money Transfer, or Cash.
• I can make withdrawal against achieved savings block.

MY BENEFITS

• I can take care of crucial future expenditures in any form that, although maybe small, can be potentially unsettling.
• The little monthly commitment amount means I can still save with little disruption to my current expenditure plan.
• The auto-created savings blocks means I can liquidate achieved block (s) when the need for cash arises either for investment or expenditure purposes.

WHO IT IS DESIGNED FOR

• CEOs and MDs
• Business owners
• Other middle to high income earners

My Step-Up Rent Micro Account is designed to help tenants or people with the intention to rent accommodation in the foreseeable future save towards it. It is flexibly designed to ensure that customers commit small portion of their disposable income to build-up savings over a period of time to pay for future accommodation.

PRODUCT FEATURES

• I will commit to make agreed small fixed monthly deposits based on my rent target.
• The targeted savings build-up period shall be at a minimum of 12 calendar months.
• I will continue the savings build-up programme until I achieve the targeted sum.
• I will earn interest of 2% per annum on account balance of GHS500.00 and above.
• I will make deposit by Bank Standing Order, Mobile Money Transfer, or Cash.
• I can make withdrawal against achieved targeted savings.

MY BENEFITS

• It’s a planned savings that delivers peace of mind with regards to my accommodation.
• It enables me to plan early enough and thus prevent having to struggle in search of expensive loan to pay for my rent.
• I will be able to flexibly fix the periodic savings amount at a comfortable level and thus avoid undue pressure on my disposable income.

WHO IT IS DESIGNED FOR

• Businessmen/women
• Health workers
• Teachers
• General salary earners

We are also deeply committed to enabling the financial aspirations of the ultra-low-income, literacy-challenged, and location-disadvantaged. In pursuance, we have specially designed appropriate product-set that stands accommodative of the targets’ meagre income, simple service process that is sensitive to their literacy-shortcomings and convenient touch-points that is highly considerate of their difficult-to-access locations.

• A duly completed account opening form
• Nationally acceptable ID Card (Driver’s license, Voter ID, Passport. NHIS)
• One passport photograph
• Proof of residence (Utility bill)

Who can open an account with Strategic Bridge?
Any Ghanaian of 18 years old and above qualifies to open an account with Strategic Bridge.

What are the different kind of accounts I can open with Strategic Bridge?
Executive Micro Account, Prestige Micro Account, Child Micro Account, Business Micro Account, Target Micro Account, Rent Micro Account.

What is the minimum initial deposit I need to open a Micro Account?
I account can be opened with GHS10.00

How long does it take to open account with Strategic Bridge?
Account opening in our Step-Up shops is instant once all account opening requirements has been fulfilled. Online application takes a maximum of 2 hours to get back to the customer with his/ her account details.

Where can one open an account with Strategic Bridge?
Online – Online account opening application form

• Office – Any of our Step-Up shops.

How do I make periodic savings deposits?

• Bank Standing Order
• Mobile Money Transfer
• Cash deposit at any of our Step-Up Shops

How can I contact Strategic Bridge for further enquiries?

Tel: 0508582616,
        0506132239
        0549205700

Email: clientservices@sbghana.com