Category: FinTech

Moco Mobile Cash Loan – How to Apply, Requirements, App and more
Are you looking for an easy and convenient way to access cash when you need it? Moco Mobile Cash Loan is an innovative solution designed to help you meet your short-term financial needs. With just a few clicks, you can apply for a loan from the comfort of your home or office.

Moco Mobile Cash Loan is a fast and convenient way to get money quickly. It is an innovative loan service available on your mobile phone that allows you to borrow money with just a few clicks. Moco Mobile Cash is a service under Sikahub.

It is designed to provide you with quick access to cash, with minimal paperwork and no hassle. With Moco Mobile Cash Loan, you can get the money you need to cover unexpected expenses or bridge the gap until your next paycheck. The application process is now available through the mobile app, making it easier than ever to apply for a loan and get the money you need.

Requirements
1. Legal residents of Ghana
2. Must have a Ghanaian identification card.
3. Must be 18-65 years old
4. Have the ability to work
How to download app
1. Visit https://www.mocoghana.com
2. Scroll down until you see APP Download.
3. Click on it to download
4. Open the app and register with your mobile number
5. You will be required to verify your number
6. Insert the verification code where required
7. You will be provided with a dashboard to apply for the loan.
How to apply
1. Launch the Moco mobile App on your phone.
2. On the Moco Cash Mobile App, click on request for funds.
3. Apply by filling the loan application in the APP with your personal and mobile money account details.
4. Your application will be reviewed and if you qualify, your requested money will be disbursed instantly into your account.
5. Repay on time and get a higher amount for your next loan
Product Advantages
1. High quota: the maximum quota for approval is GHS 5, 000
2. Simple operation: fill in the application information on the mobile phone and submit the application quickly.
3. Revolving loan: good repayment performance, you can continue to obtain products with lower rates and higher quotas
The highest and lowest loan you can get from Sikapurse

On Moco Mobile Cash, your initial loan request start from GHS 100 the more you request and pay on time, the higher your request goes. The maximum you can request is GHS 5,000.

What is the interest rate on Moco Mobile Cash loans?

Moco Cash has a loan repayment term of 90 to 180 days, a loan interest of 19.45% and 31.29% per annum with a service rate of 1% to 3%.

How to repay Moco Mobile Cash loan
1. Open the loan app.
2. Once you are in the app, you will see ‘Repayment.’ Kindly click on that button.
3. On the next page, they will show you the amount you are supposed to pay.
4. To proceed click on ‘Repay Now.’
How to repay SikaPurse loan using MTN mobile money Wallet

The following instructions show how you can repay your Moco Mobile Cash loan with MTN Mobile Money Wallet:
1. Dial *170#
2. Select 1 (Transfer Money)
3. Type 1 (momo user)
4. Input Users Number
5. Confirm number
6. Enter the amount
7. Enter reference
8. Confirm transaction with your MoMo PIN
Moco Mobile Cash contact details

Incase you want to reach out to Moco Mobile Cash customer care for clarification follow the contact details below:

Company Address: Lame Dwaahe St, Adenta, Accra

Contact Number: +233 302234562

Contact Email: [email protected]

Website:https://www.mocoghana.com

Conclusion

Moco Mobile Cash is a fast, secure, and convenient way to get cash when you need it most. With no credit check required and the ability to apply from anywhere with a mobile device, it’s an ideal solution for those who are short on cash and don’t have time to wait for traditional loan applications. Be sure to read all of the requirements for the loan and make sure that you meet them before applying. That way, you can make sure that you get your money as quickly and conveniently as possible.
December 23, 2022
CocoaLoan: How to Apply, Requirements, App and more
CocoaLoan is a financial service that provides fast, easy and secure access to credit to Ghanaians. CocoaLoan is committed to helping Ghanaians who needs loan credit for their financial needs by providing them with access to affordable and reliable credit solutions.

With CocoaLoan, you can apply for a loan online, and receive the funds in their MoMo account within 24 hours. Now, the application process is even more convenient with the launch of the CocoaLoan mobile app. The app allows you to access an accounts anytime, anywhere, and manage your loan payments securely.

Requirements
1. Applicants must be at least 18 years of age.
2. You must provide valid government-issued identification card.
3. You must have an active MoMo account with your name.
4. You must have a steady and verifiable source of income (such as a job, self-employment, benefits, etc.).
5. You must be a Ghanaian.
6. You must have a valid email address.
7. You must have a valid phone number.
How to download the app
1. Visit google playstore on your phone
2. In the search bar section, type in CocoaLoan and search.
3. The app will show up after a successful search.
4. Click on download and wait for the app to successfully download.
5. Now, open the app and register using your mobile number
6. Wait for a verification code and type it inside where required
7. You will now the given a dashboard where you can apply for your loan.
How to apply

The application process for CocoaLoan is simple. To obtain a loan, follow the steps described below.
1. Download the CocoaLoan app from the Google Play store.
2. Launch the CocoaLoan mobile App on your phone.
3. On the Mobile App, click on request for funds.
4. Apply by filling the loan application with your personal and mobile money account details.
5. Your application will be reviewed and if you qualify, your requested amount will be disbursed into your MoMo wallet immediately.
The highest and lowest loan you can get from CocoaLoan

On CocoaLoan, your initial loan request start from GHS 100 the more you request and pay on time, the higher your request goes. The maximum you can request is GHS 5,000.

Benefits on applying for CocoaLoan

Below are some of the benefits you can enjoy when you decide to join the CocoaLoan family.
1. Fast and convenient
2. Flexible repayment terms
3. Low interest rates
4. No hidden fees
5. 24/7 Customer service
6. Online support
How to repay CocoaLoan
1. Open the loan app.
2. Once you are in the CocoaLoan app, you will see ‘Repayment.’
3. Click on that button.
4. On the next page, they will show you the amount you are supposed to pay.
5. To proceed, click on ‘Repay Now.’
How to repay CocoaLoan using MTN mobile money Wallet

You can repay your CocoaLoan directly using MTN MoMo. To do so,
1. Dial *170#
2. Select 1 (Transfer Money)
3. Type 1 (momo user)
4. Input Users Number (CocoaLoan mobile number)
5. Confirm number
6. Enter the amount
7. Enter reference
8. Confirm transaction with your MoMo PIN
CocoaLoan contact details

You can also get in touch with CocoaLoan via their email at [email protected]

Conclusion

CocoaLoan is a great way to get access to fast and easy loans for your financial needs. With an easy application process, flexible requirements, and an intuitive app, it is one of the most convenient loan options available.

Before applying for a CocoaLoan, make sure you are aware of the terms and conditions, as well as the potential risks associated with taking out a loan. If you think a CocoaLoan could be right for you, then take the first step and apply today.
December 23, 2022
SikaPurse: How to Apply, Requirements, App and more
Are you looking for a hassle-free and convenient way to access loan services? Look no further than Sikapurse Online Loan. This unique platform has been created to provide users with fast, easy access to loan funds. With the Sikapurse app, you can apply for loan services in a matter of minutes.

The process is simple and straightforward, and there are no lengthy forms or paperwork to fill out. In addition, you can get a loan in a very short time frame, with minimum requirements and the ability to access your funds immediately after approval.

Application requirement

To be able to apply for the sikapurse loan, there are some requirements you need to meet before you can go ahead with the application.
1. You must be a Ghanaian.
2. You must have a source of monthly income.
3. You must have a Ghanaian identification card. That is; Ghana card, voter’s ID, Passport, etc.
4. Must be within 19-55 years old.
How to download the App
1. Visit google playstore on your phone
2. In the search bar section, type in Sikapurse quick loan and search
3. The app will show up after a successful search
4. Click on download and wait for the app to successfully download.
5. Now, open the app and register using your mobile number
6. Wait for a verification code and type it inside where required
7. You will now the given a dashboard where you can apply for your loan.
How to apply

The application process for a SikaPurse loan is simple. To obtain a loan, follow the steps described below.
1. The first step to follow is to download the SikaPurse app from the Google Play store.
2. Launch the Sikapurse mobile App on your phone.
3. On the Sika Loan Mobile App, click on request for funds.
4. Apply by filling the loan application in the APP with your personal and mobile money Account details.
5. Your application will be reviewed and if you qualify, your requested money will be disbursed instantly into your account.
6. Repay on time and get a higher amount for your next loan
The highest and lowest loan you can get from Sikapurse

On Sikapurse, your initial loan request start from GHS 100 the more you request and pay on time, the higher your request goes. The maximum you can request is GHS 5,000.

What is the interest rate on SikaPurse loans?

Sikapurse loans interest rate is from 8% to 25% per annum.

What are the benefits of SikaPurse loan?

Below are some of the benefits you can enjoy when you decide to join the Sikapurse family.
1. They can lend you up to GH₵5000
2. You can select your payment tenure
3. It is reliable, secure, and flexible
4. There are no hidden charges
5. They provide a credit decision
6. They are at your service 24 hours every day of the week.
How to repay SikaPurse loan
1. Open the loan app.
2. Once you are in the SikaPurse Loan app, you will see ‘Repayment.’ Kindly click on that button.
3. On the next page, they will show you the amount you are supposed to pay. Then, to proceed click on ‘Repay Now.’
How to repay SikaPurse loan using MTN mobile money Wallet

The following instructions show how you can repay your SikaPurse loan with MTN Mobile Money wallet:
1. Dial *170#
2. Select 1 (Transfer Money)
3. Type 1 (momo user)
4. Input Users Number
5. Confirm number
6. Enter the amount
7. Enter reference
8. Confirm transaction with your MoMo PIN
Sikapurse contact details

Incase you want to reach out to Sikapurse customer care for clarification follow the contact details below:
- Address: Mensah Wood Ave, Accra, Ghana.
- Email: [email protected]
- Customer Service Hotline: 0571375874
Conclusion

With Sikapurse quick loan service, you get the chance to request for a loan anytime you want. You don’t need to stress on loan paper signing or anything. All you need is your phone and the Sikapurse app. Don’t forget to repay your loan on time in order not to hurt your credit score for another loan.
December 23, 2022
Reasons why Venmo payment is declining

Venmo is a popular peer-to-peer payment app that allows users to send money to one another quickly and easily. However, recently, many users have experienced declines in their Venmo payments. If you are one of those users, you may be wondering why your Venmo payments are declining.

In this article, we will discuss the possible reasons why Venmo payments are declining and provide some tips to help you resolve any issues that may be causing your payments to decline.

What is Venmo

Venmo is an online payment platform owned by PayPal and designed for fast, secure, and convenient peer-to-peer transactions. Since its launch, Venmo has grown to become one of the most popular payment options for individuals and businesses alike.

Why is Venmo payments declining?

1. Venmo has become more expensive for merchants

Many merchants have noticed a sharp decline in the number of customers paying with Venmo in recent months, and it’s likely due to the fees associated with processing Venmo payments.

When a customer pays with Venmo, the merchant must pay a transaction fee as well as a processing fee. As it charges a 3% fee on each transaction. This fee can be hard for small businesses to absorb, leading them to opt out of accepting Venmo payments.

This fee structure is different from other payment methods such as credit card or PayPal which charge only one flat fee for processing a transaction. The fees for Venmo can quickly add up, especially for merchants who process multiple payments on a daily basis.

2. Venmo’s user interface isn’t as intuitive as other payment services

Like Apple Pay or Google Pay. This can make it difficult for customers to use, discouraging adoption of the service.

While Venmo’s user interface is often praised for its unique and creative design, the lack of intuitive navigation can be a major deterrent for users. Many people find it difficult to figure out how to send or receive money, resulting in fewer people using the service.

Unlike other popular payment services such as PayPal or Apple Pay, Venmo does not provide a simple step-by-step guide to help users navigate their interface. Instead, users must sift through the options and menus to find the exact payment feature they are looking for. This can be incredibly confusing and time consuming, and may be the reason why some users are choosing to use other services instead.

3. Security concerns have been raised about the safety of using Venmo

Venmo’s privacy policies are not as stringent as those of other payment services. This means that third parties can access customer data more easily, which could lead to potential security risks. With more customers concerned about data security, this could further discourage them from using Venmo.

4. Lack of quality customer service

Despite being widely used and accessible, many users have experienced various issues when attempting to use the platform, such as account registration problems, missing funds, and general technical issues. Unfortunately, Venmo’s customer service is not able to provide much help with resolving these issues in a timely manner.

When customers experience problems on the platform, they are often required to wait long periods of time to get any kind of response from Venmo’s customer service team. This lack of timely response has caused many users to become frustrated and give up on using Venmo altogether.

To further complicate matters, Venmo does not offer direct phone support, which can make it difficult for customers to get help quickly. This lack of direct contact with a real person means that customers must rely on automated emails or chat support, which can take several days to receive a response.

Conclusion

These factors have all contributed to the decline of Venmo as a payment option for merchants. Although Venmo is still popular among individuals looking to send money to friends and family, its fees and customer service issues have made it less attractive to merchants. Until these issues are resolved, it’s likely that fewer merchants will accept Venmo as a payment method.

December 7, 2022
How to use Unity Link Money Transfer to send money to Ghana
Money transfers are a convenient way to send funds to friends and family around the world. Though you may use Western Union or other money transfer services, one of the most popular options today is unity link money transfer.

In addition to being secure and reliable, it’s also easy to use unity link money transfer to send money to Ghana and vice versa.

If you’re looking to send money from abroad to your family or friends in Ghana, you’ve likely been overwhelmed by the options available to you.

Banks are notorious for their high fees, and it can be hard to find ones that offer reasonable rates and good customer service when it comes to international transactions.

That is where international remittance services like unity link money transfer give you the opportunity to send money quickly and securely at minimal costs.

About unity link money transfer

Unity link money transfer, or simply Unity Link, is the leading and most trusted provider of money transfer services to Ghanaians abroad and in Ghana.

With their fast delivery of money to over 200 countries in the world, it has made Unity Link Money Transfer one of the fastest growing remittance companies in the industry today

How to setup a unity link account

Unity Link is a service that allows you to send money to your loved ones in Ghana. To set up an account,
1. Visit their website and click on sign up.
2. Provide the following: name, email address, mobile phone number, country of residence and mailing address.
3. After that, click on create account to create an account with unity link.
4. You will he logged out for you to login in with your login details.
How to send money to Ghana with Unity link

Now that you have set up an account with unity link, then next thing to do is to send money to your loved ones in Ghana. To do so,
1. Go to the Unity Link website.
2. Click on login and login with your credentials.
3. Now, on your dashboard, click on “send money.”
4. Enter the amount of money you want to send.
5. Choose the country you want to send money to (Ghana).
6. Enter the recipient’s information.
7. Choose how you want to pay for the transfer.
8. Review the transaction and confirm.
Fees and charges

Unity Link charges a flat fee of $ 3.99 and a foreign exchange fee of 1.05% for transfers up to $ 2,500. The recipient will also be charged a flat fee of $ 3.45 and a foreign exchange fee of 2%.

You can only send money to people with Unity Link accounts and the maximum amount you can send per transaction is $ 5,000.

Can you request for refund if you make a transaction error?

If you make an error on a transaction, Unity Link is able to refund your funds as long as it is within three days of the date of the transaction.

To do this, the bank will need your account details, the amount of the transaction and what was actually sent by mistake. You can also get in touch with customer service either by phone or on the website.

What is the maximum amount to send on Unity link money transfer?

The maximum amount that you can send on Unity is $ 5,000. If you want to send more than this amount, you will need to do it in two transactions of $ 5,000 each. You can also take advantage of the Bulk Transfer option for larger transfers.

Can Unity Link be trusted?

People are very hesitant when it comes to giving their hard-earned money. They want to know that their money is going where they want it and they’re not being scammed.

Unity Link is a trusted company and offers customer service in English, which makes them more trustworthy than other companies who don’t offer any customer service in English.

Unity Link has an A+ rating with the Better Business Bureau, which means they have a history of delivering on promises and providing excellent customer service.

Conclusion

There are many different ways for you to send money overseas, and the method you choose will depend on your needs.

For example, if you’re looking for a fast, convenient way to send a small amount of cash without the hassle of going through an agent or visiting a bank branch, then Unity Link is the perfect choice.
November 21, 2022
How To Withdraw Bitcoin Through Your MTN Mobile Money Account
Bitcoin is the first and most expensive cryptocurrency in the world, currently priced around 8,500 USD per coin, translating into over 47,000 Ghana cedis.

Few people who understand the value of bitcoin in Ghana, have invested in bitcoin. Some people have also opted for bitcoin payments for their services.

However, one of the big challenges associated with owning bitcoin in Ghana or Africa as a whole is withdrawal.

Elsewhere in the US and some European countries, holders of the coin are able to withdraw bitcoin through specialised ATMs associated with various Crypto exchange platforms.

In Africa however, there are no such ATMs. So the only way available to owners of bitcoin is online crypto exchange platforms.

There are few platforms online for selling and buying bitcoin in Africa but we can only recommend some few which we ourselves have used in the past.

So, some of them include Ecurrencu4u.net, Paxful.com, Payplux.com, and remitano.com.

How To Withdraw Bitcoin Through Ecurrency4U.net

Ecurrency4U.net promises to be the biggest and most successful crypto exchange platform in Ghana.

They have a huge stock of bitcoin and cash so you can either buy from them or sell to them.

So let’s look at the steps involved:
1. Visit the site and register for a user account.
2. Login to your account
3. Click Sell Ecurrency
4. Select Your preferred mobile money platform as your payment method
5. Enter the amount you want to sell in Dollars
6. Enter the mobile money you wish to be paid through.
7. Enter the name on the mobile money account
8. Click on submit. You will receive an order number and you will be redirected to a payment gateway for the e-currency you are selling to the company.
Upon successfully transferring the coin to them, you get notified. And then you receive the money in your mobile money account in not more than 1 hour.
November 14, 2022
Sika Master Online Loan: How to Apply & Receive Loan in 1 Day
Borrowing money can be tough, especially if you don’t have the best credit or haven’t borrowed money before. It’s not impossible, though; you just need to find the right loan company, and your needs will be met.

Getting your hands on funds from Sika Master Online Loan, for example, takes only 24 hours once you apply for the loan. The application is simple, and the results are fast.

About sika master loan

Sika Master Loans is a financial institution that lends loans to its clients. The institution is a subsidiary of The DCANS Group Limited registered in England and Ghana. They have other sister businesses in the country that render other services.

Who qualifies to apply for a sika master loan

Everyone qualifies for a loan with sika master so far as you are 18 years and above who has a reasonable source of income with an accepted identification card.

Why you need sika master loan

Some of the benefits of a Sika Master Online Loan include immediate access to funds, a low application fee, no processing fees, higher approvals rates and minimal credit requirements. Whether you are looking for quick cash or want more time to create your own funding options, an online loan can be the solution.

Available loans at sika master loan

Sika Masters offers different types of loans that can help with a variety of financial needs.

1. Personal loans

Sika Master Loans personal loans allow customers to receive up to 25 times of their monthly income. It takes a 60-month period (5years) to repay the loan. You can borrow from GHS2,000 to GHS10,000 from this loan service. This loan is accessible for public or private salaried workers.

2. Salary Advance

Clients can receive about 100% of their monthly income or net with this type of loan from Sika Master Loans. Clients will have 30 days to repay their loan. You can borrow from GHS2,000 to GHS10,000. This service is accessible to new clients of Sika Master Loans. Eligible for private or public salaried workers.

3. Loyal Repeat Customer Loans

This loan service is available for existing clients who have no repayment issues and has been trusted with a good credit score. Clients can borrow from GHS2,000 to GHS10,000 and has a period of 90 days to repay. Eligible to existing clients of Sika Master Loans.

What are the requirements of Sika Master Loans?

Just like any other loan institution, the following must be available to be able to apply for a loan.
1. Valid photo ID the government issued you.
2. Valid phone number and email address.
3. Have a salary bank account, especially a current account.
4. Tax identity number.
5. You must be an employee with a minimum of two (2) years post qualification employment.
6. Your SSNIT card number.
How to apply

Applying for sika master loan is easy and faster. Just follow the simple steps below to apply;
1. Visit https://sikamaster.net.
2. Click on Apply Now and login with your credentials if you are an existing customer. If you are new, Click on register and follow steps on the website to register for an account.
3. After generating your details, you can now access your dashboard and proceed with your loan application.
4. After successful application, click on submit.
5. Wait for your application to be processed and if approved, your money will be disbursed into the account type you provided during registration.
The best time to apply

The best time is your comfortability time. Sika master loan is available 24/7 for all customers who wish to apply.

If you don’t qualify, what do I do?

If you don’t qualify, it means there are minor errors that made your application to be rejected. You can look through and correct them. If you are still getting rejected, then try another online loan service.

What about if I want to take out another loan?

You can only apply for one loan at a time. To apply for another loan, your existing loan balance must be repayed first enough to clear your score and enable you to be eligible for another.

Conclusion

Sika master loan eases pressure on salary workers. In less than 48 hours, you have your required money to sort out your emergencies. Also pay back on time in order to be able to request for more.
September 19, 2022
The best Online MoMo Loans you can take in Ghana without any collateral

Acquiring loans in Ghana can be very difficult irrespective of the purpose for which the loan is being acquired.

If not for some annoying up and downs by the company involved, then it’s their processing time or processing fee.

For most people, however, the main reason they are unable to access loan facilities is the provision of collateral.

Collateral can be a very big issue in the process of acquiring a loan since most major loan companies only consider landed property and vehicle as collateral – which most people don’t have.

So, in this article, I will take you through a list of online loans in Ghana which operate without collateral.

Zidisha Loans

Talk of loans without collateral and Zidisha would be the first on the list everywhere. With loans up to 50,000 cedis, Zidisha does not require any form of collateral from applicants.

Zidisha Loans is a peer to peer loan company which operates via the internet.

Zidisha provides the platform for individuals to raise capital for their projects and businesses via the internet, from other individuals who are willing to lend money to entrepreneurs who are in dire need of it.

With such a huge amount of money, the only things Zidisha require include your business objective, your target market, your repayment plan and a compulsory 40 cedis payment for loan processing.

You can find out more about them via their website: https://www.zidisha.org/

Fido Loans

With a mobile application which allows users to apply for loans and receive loans via their mobile money wallet, Fido loans operate on trust. There is no need for applicants to show proof of any collateral in order to acquire Fido loans.

The only documents required for a loan with Fido include an ID card, residential details and your employment details which are used in the registration process.

If you are deemed to qualify for the loan amount you requested, you shall receive the amount in a few moments via your mobile wallet.

For individuals hoping to take loans of higher amounts, they have to take lower amounts of loan and repay them on time in order to build a credit history with the company to qualify for bigger loans.

Download the app on the Google playstore via https://play.google.com/store/apps/details?id=com.fidocredit&hl=en_US

Carbon (Formerly Paylater Ghana)

Pay later or Carbon is one of the finest online loan companies in Ghana. The company gives out loans to individuals from all economic and social categories.

With Carbon, all loan requests, processes and payments are done via their android platform mobile app.

You can borrow from as low as 5 cedis to as high as 1,000 cedis without the need to provide a collateral.

All that is required of you as a loan applicant is your bio-data, your photograph, information about your employment and the loan amount you want.

Once your loan has been reviewed and you pass the review process, your money is sent via the mobile wallet you applied with.

Interestingly, there is no extra charge if you fail to meet your repayment deadline. The only punishment is that you may not get a loan from them the next time you are in need.

Get their app today on the Google Playstore via https://play.google.com/store/apps/details?id=com.lenddo.mobile.paylater&hl=en_US

MTN Qwikloans

This loan service is one of the most popular loans services available currently however, it is only available to customers who own MTN Mobile Money wallets.

With this loan, you can get u to 1,000 cedis worth of loan through your MTN mobile money wallet within 5 minutes.

You only need to be an active MTN mobile money user who buys airtime and data from your wallet and also sends and receives money through the same wallet over the past 6 months.

Once you qualify for this offer, you do not need to show any collateral since everything is done via a USSD code which can even be accessed on your feature phone ‘Yam’.

Conclusion

As we continue to live, our desires, needs and wants continue to grow and at a point, it becomes necessary that we seek financial assistance to be able to keep up with these.

One sure way to get financial assistance is by approaching loan companies. Unfortunately, most loan companies require collateral from applicants before they are granted these loans.

This is not only frustrating but also annoying since most times, the collateral bit comes at the bottom end of the processes.

To avoid such trauma, I compiled this list of companies that give out loans without collateral in Ghana.

I hope you loved the content of this article and that it was useful to you. If you have any questions or comments, kindly leave them in the comment box below or reach out to us.

Kindly do well to share with friends and family.

September 16, 2022
5 Techy Gadgets for Your Car for a Stress Free Drive

Technology has revolutionized the way we live our lives, and now, technology can help make your commute and road trips even easier and more comfortable.

Here are five techy gadgets for your car that will help you reach your destination relaxed and happy.

5 techy gadgets for your car for a stress free drive

1. Tyre pressure monitoring system

This innovative gadget monitors the air pressure of your tires and can alert you when one drops below a pre-set limit. There is also an integrated tracking system that tells you the exact location of your nearest tire store or gas station, which may not be on the way to where you’re going.

Tires loose about 1 PSI each month and can’t regain their full pressure after running low, so keep an eye on them more often.

2. Dashcam

A dashcam, or a dashboard is a small camera that is mounted to the front of your windshield, often near the bottom. Dashcams offer some peace of mind by documenting everything that happens while you’re driving.

Unlike with footage from other cameras, dashcam footage has all been filmed with the driver in mind, so it’s much easier to see license plates and get usable information in case of an accident.

3. A Rearview Mirror Projector

A rearview mirror projector is an innovation that is both practical and aesthetically pleasing. Designed to replace or supplement the use of traditional rearview mirrors, these devices come in different forms and have many uses.

Some can be attached to the inside of the rear window, some are simply hand-held displays, and others are mounted on either side of the vehicle dashboard.

Smart car adapter

It is one of the best car devices that will enhance your road trip experiences. Smart Car Adapter is plugged into the car’s onboard diagnostic port for all kinds of data collection from the car.

The device is linked to the smartphone via Bluetooth. It diagnoses all types of problems in the engine, reminds where you last parked your car, and it tracks and gives results of your trip as well. However, in case of an accident, the Smart Car Adapter can help make an emergency call.

3. Phone Mounts

In today’s fast-paced world, we often find ourselves glued to our phone. Whether it’s out of habit or necessity, there are times when it’s not safe to have the device in hand.

A good way to keep your hands on the wheel and your eyes on the road is with a mount for your smartphone. After all, chances are that you’ll need directions at some point during that long road trip you’ve planned!

Conclusion

In conclusion, the best thing you can do to be safer on the road is to make sure you are following all traffic laws and know the limitations of your vehicle. However, these five little items will help make driving less stressful and more fun.

September 9, 2022
How to get Virtual Debit and Credit Cards in Ghana
Have you ever wanted to buy something online but don’t have a Credit Card or Debit Card? Many companies like Amazon, Facebook and iTunes require you to have a card before they will let you make purchases on their sites so how do you purchase from them if you don’t have one?

The solution comes in the form of Virtual Credit and Debit Cards. These are similar to their real-world counterparts, but allow you to only spend the money that you have available in your account.

What is a virtual debit Card

A virtual debit card is a credit card that can be used online or at stores that do not accept magnetic stripe cards. Cardholders are assigned an account number and expiration date, which replaces the need for a physical card.

What is a credit card

A credit card is a plastic card issued by a bank that allows an individual to purchase goods and services up to a certain limit. It is a line of credit which the borrower draws on whenever required.

Is debit card and credit card the same?

Virtual debit card and credit cards are not the same, even though they have both been referred to as virtual credit cards. The biggest difference between the two is that a virtual debit card is linked directly to a bank account while a credit card, or prepaid card, links directly to your financial institution account.

How to get a virtual debit card in Ghana

Getting a virtual debit card and credit card in Ghana is less difficult compared to the european and american countries. In Ghana, all you have to do is to visit the preferred bank you want to host your account with and let them know your interest.

From there, you will be asked some questions and if you qualify with all the necessary requirements, you get your card as desired.

How to get a credit card in Ghana

Just like the virtual debit card, acquiring a credit card in Ghana also follows similar process. All you have to do is to visit the preferred bank you want to host your account with and let them know your interest.

From there, you will be asked some questions and possibly asked to create a bank account and if you qualify with all the necessary requirements, get your card as desired.

Banks in Ghana that gives virtual debit card
1. Guaranty Trust Bank gives virtual debit card.
2. Ecobank Ghana also gives virtual credit cards.
Banks that provide virtual debit cards in Ghana are few. However, there are other methods online that one can register for a virtual debit card if they so desire.
Benefit of virtual debit card
1. Virtual debit cards in Ghana work the same way as regular debit cards except that they do not require any money on hand.
2. They are a convenient and safe way of paying for your purchases, withdrawing money from an ATM, sending remittances abroad, or paying for services and goods online.
3. The main benefits of virtual debit cards in Ghana include lower fraud risk, anonymity in transactions, and there is no need to carry cash when travelling.
Banks in Ghana that gives credit card

Credit card is physical unlike virtual debit card and almost all the banks holds the capacity to sanction one for their customers. Banks like,
1. Guaranty Trust Bank
2. EcoBank
3. Bank of Africa
4. ABSA Bank
5. Access Bank
6. Standard Chartered
7. Zenith Bank
8. Fidelity Fidelity
9. Societe Generale Ghana
10. First National Bank
11. Cal Bank. Etc
Your favorite bank may have not been mentioned above. That doesn’t mean they don’t have the possibility of giving out a credit card. Its best you find out by either paying them a visit for such enquiries and possibly call their customer support line and ask.

Also, not all banks mentioned above could still be sanctioning credit cards to their customers so just like explained above, its best you give them a visit for further enquiries.

Benefit of credit cards in Ghana
1. The benefits of credit cards in ghana are that they can be used to purchase items online, and they don’t require carrying around a lot of cash.
2. It is also helpful for those who want convenience when shopping, paying bills or making small transactions.
Conclusion

There are many things you can do with virtual cards. These cards are helpful for those who want or need a credit card but have been denied one, such as college students. For example, many retailers will offer discounts if you pay with your phone instead of handing over cash.

These cards also come in handy for international travelers since it gives them access to the currency where they may be visiting and protects their money from being stolen or lost while they are away from home.
September 5, 2022