Wamoo is a digital wallet that makes it easy to save money, track your goal all while standing the chance to win rewards—whether you're saving solo, as a group, Wamoo makes savings fun and safe.

Yes. Wamoo offers a Basic tier that’s completely free. You can upgrade to Plus+ for a small monthly fee if you want access to more features, exclusive rewards, and advanced savings tools.

Yes. Wamoo does not hold or use customer deposits.

All user funds are held in segregated unit trust accounts with licensed and regulated financial institutions. Your savings remain your property at all times and are not used for lending, operating expenses, or prize payments.

Access to funds and withdrawals is governed by Wamoo’s terms and applicable financial regulations to ensure the safety and protection of customer deposits.

Deposits made via mobile money or bank transfer are free of charge.

Withdrawal requests are subject to a flat processing fee, which varies depending on the withdrawal speed selected. All applicable fees are clearly displayed before you confirm any withdrawal.

No. Wamoo is a savings product designed to encourage responsible saving, not a gambling or lottery service.

Users do not pay to enter prize draws. Eligibility is earned through saving and positive financial behaviour, and all deposited funds remain the user’s property and can be withdrawn in accordance with platform rules.

Prizes are awarded as promotional incentives linked to saving activity and are not based on wagering, betting, or risking deposited funds.

Wamoo operates a prize-linked savings model. Users do not receive traditional interest on their savings balances. Instead, any interest that would otherwise be earned is used to fund prize draws and rewards.

All deposited funds remain the property of the user and may be withdrawn. Your principal is always safe and accessible

Yes. Everyone can join savings groups and set goals through Wamoo. Users are limited to three groups and goals at a time.

You earn chances to win rewards by using Wamoo in positive ways, such as saving consistently, maintaining savings streaks, and referring friends. Different actions qualify you for different reward categories.

Eligible users are automatically entered into prize draws at scheduled times. Winners are selected using Random.org to ensure a fair and transparent process.

You can check your results by playing the Wamoo mini-game in the app. The animation is for visualisation only—the draw has already been completed.

Winners have 24 hours to claim their reward before it expires. Expired rewards do not affect your eligibility for future draws.