Terms of use

These terms are an agreement between you and Sika about using the Sika app and website. By creating an account, you agree to them. Please read them with our Privacy Policy, which explains what we do with your information.

1. What Sika is

Sika is an app for sending money, buying airtime and paying bills such as ECG and Ghana Water straight from your own mobile money account (MTN MoMo, Telecel Cash or AT Money).

• Sika is not a bank and does not hold your money. There is no Sika balance.
• Each payment is taken from the mobile money account you choose, after you approve it on your phone, and is paid out by licensed payment partners.
• Sika is in beta. During the beta, payments, bill payments and some identity checks are simulated: no real money moves, and verification may not reflect official records. We'll tell you before that changes.

2. Who can use Sika

• You must be 18 or older and have a valid Ghana Card.
• You can only link mobile money accounts registered in your own name.
• Each person may have one Sika account.

3. Keeping your account safe

• Your PIN, login codes and fingerprint or Face ID confirm payments. Never share them, not even with someone who says they work for Sika. We will never ask for them.
• Tell us straight away through Help and support if you think someone else has used your account.
• You're responsible for payments confirmed with your PIN, fingerprint or Face ID, unless you'd told us your account was at risk before they were made.

4. Payments

• Check the recipient, biller and amount before you confirm. Sika shows the name registered to a mobile money number so you can check it.
• A payment is only made once you approve the prompt from your mobile money network. If you decline it or it expires, nothing is taken.
• If money is taken but the biller or recipient can't be paid, it is refunded to the account it came from. Refunds can take up to a few working days, depending on your network.
• Payments are subject to limits that depend on your verification level. We may hold or refuse a payment we reasonably believe is fraudulent or unlawful.
• Sika doesn't charge fees during the beta. If that changes, we'll tell you in the app before you pay.

5. What you must not do

• Use Sika for anything illegal, including fraud, money laundering or financing terrorism.
• Use someone else's identity, Ghana Card or mobile money account.
• Try to get around limits, security checks or other people's accounts, or interfere with how Sika works.

6. Locking and closing accounts

• We may lock your account while we look into suspected fraud, misuse or a breach of these terms. You can contact us through Help and support about it.
• You can delete your account at any time in Profile. Some payment records are kept afterwards, as the Privacy Policy explains.

7. Our responsibility

• We work to keep Sika available and accurate, but during the beta it is provided as it is, and it may sometimes be unavailable or make mistakes.
• We're not responsible for delays or failures caused by mobile money networks, billers, payment partners or events outside our control, but we'll help you get a refund where one is due.
• Nothing in these terms limits rights you have under Ghanaian law that can't be limited.

8. Changes

We may update these terms. If a change matters, we'll tell you in the app before it takes effect. Continuing to use Sika after that means you accept the new terms.

9. Law and disputes

These terms are governed by the laws of Ghana. If you have a complaint, tell us first through Help and support and we'll try to resolve it.

10. Contact

Use Help and support in the Sika app (Profile › Help and support). Every report gets a reference number.