Mon Djangui · Micro-savings

Traditional savings, digitised for secure growth.

Mon Djangui upgrades the trusted Djangui (tontine) with daily interest calculations and weekly Sunday payouts — all from a simple USSD menu. No smartphone, no internet.

Small steps, big futures

Savings estimator

See what your savings could earn.

Enter a deposit and choose a plan to preview your weekly Sunday interest.

Savings plans

Four plans. One goal: your growth.

3months

Short-term cycles

Ideal for business stock cycles or upcoming school fees.

6months

Reserves & holidays

Build a capital reserve or plan for festive budgets.

9months

Seasonal planning

Tailored to agricultural cycles and inventory restocks.

12months

Long-term goals

The longest commitment for your biggest ambitions.

Once selected, the plan duration is fixed for the contract period. Multiple active plans are fully supported.

How it works

Start saving in four steps.

Step 1

Dial the USSD code

On MTN or Orange, dial the Mon Djangui code.

*126#

Step 2

Register

Enter your phone number, name and gender directly on your phone.

Step 3

Choose a plan & deposit

Pick 3, 6, 9 or 12 months and deposit with MTN Mobile Money or Orange Money.

Step 4

Earn & track

Interest is calculated daily and credited to your interest balance every Sunday.

Transparency

Clear rules, no surprises.

We believe you should always know how your money works. Here are the key rules behind every Mon Djangui plan.

How is interest paid?

Interest is calculated daily on your cleared savings using simple interest, and paid out every Sunday to your dedicated interest balance.

Can I reinvest or withdraw my interest?

Yes. Interest is kept separate from your capital. Withdraw your Sunday interest to your MTN or Orange wallet at any time, or reinvest it to grow faster.

Are there any fees?

Plan creation is free and no internal account fees are charged. Standard mobile-network charges may apply.

What if I withdraw early?

Early withdrawal is permitted, but all interest already paid is deducted from your capital payout and the plan is permanently closed.