Airtime, data, TV and light — paid from the same money you save.
Top up any line, buy a data bundle, or get a prepaid meter token in seconds.
Who it's for
For the small payments you make every day.
Traders between customers
Top up your line — or a customer's — without leaving your stall or breaking a note.
Parents buying data
Buy the exact bundle your child needs for online class, with size, validity and price shown before you pay.
Households buying light
Get a prepaid meter token at 9pm without walking to a vendor or waiting for morning.
Everyday savers
One place for the small payments you already make, funded by the money you already save.
What you can buy
Four things, one screen.
Everything is priced and confirmed before you approve, so you always know exactly what you're buying.
Airtime
MTN, Airtel, Glo and 9mobile. Send ₦50 to ₦50,000 to any 11-digit line — yours or someone else's.
Data
Live bundles for each network, grouped by category. Size, validity and price are all shown before you confirm.
Power token
Buy a prepaid meter token by meter number. The token and units appear on screen and are saved to your history.
Cable & satellite TV
Renew DStv and the other TV packages sold in Nigeria straight from your balance.
How to pay
Four ways to pay — including when you're short.
This is the part other apps don't do: your savings balance, a transfer, both together, or credit against your savings record.
Wallet
Instant, straight from your MamaSave balance. No card, no OTP, no waiting.
Bank transfer / USSD
Pay into the Cooperative collection account. Your purchase completes once the transfer confirms.
Split payment
Part wallet, part transfer — used automatically when your wallet cannot cover the full amount.
MamaCredit (buy on credit)
Short of cash? Buy now and clear it by your next savings day. Your wallet balance is applied first; only the shortfall becomes credit.
How it works
Four steps, under a minute.
Pick what you're buying
Airtime, data, power token or TV — choose the tab and the provider.
Enter the number or meter
Type the phone number, meter number or smartcard, or pick a saved one.
Choose how to pay
Wallet, transfer, split, or MamaCredit if your balance is short.
Get delivery and receipt
Value lands in seconds and the receipt is written to your activity history immediately.
Saved details
Buy the same thing in two taps.
MamaSave remembers the numbers you use most, so you're not typing 11 digits at 9pm.
Your line pre-fills
The phone number on your MamaSave account is filled in by default — one tap to top up yourself.
Nickname your meters
Save meters and smartcards as "Shop", "Mama's house" or "Upstairs flat" so repeat purchases are two taps.
Repeat last purchase
Your recent buys stay at the top of the screen, so the bundle you buy every week is always one tap away.
Buy on credit
MamaCredit, stated plainly.
Credit is a convenience for small purchases — not a loan product. For real working capital, see Mama Loans.
Who qualifies
Members with an active savings cycle and a consistent recent funding record. New accounts and accounts with a risk flag are not eligible.
How much
A small ceiling tied to your average contribution — enough for airtime, data or a light token, not a cash loan.
When it must be cleared
By your next savings day. The amount is settled automatically from your wallet or your next contribution.
If it isn't cleared
Buy-on-credit is paused until the balance is settled, and it counts against your loan eligibility. No debt is sold on and nothing is seized.
Fees
No markup surprises.
The price you see is the price you pay
Airtime and data are sold at the network's face value. MamaSave does not mark up the amount you enter.
Service charges stated up front
Where a provider charges for a token or TV renewal, that charge is shown on the confirmation screen before you approve — never after.
Credit is the only priced extra
MamaCredit carries a small fee on the shortfall only. Pay from your wallet and you pay nothing extra.
Trust & safety
Every purchase is authorised and logged.
PIN on every purchase
Your 4-digit PIN authorises each buy. Nothing leaves your wallet without it.
Cooperative-held funds
Money sits in MamaSave Eliozu Multipurpose Co-operative Society Limited (MamaSave Cooperative Ltd) accounts with NDIC-insured partner banks — never a personal account.
Logged and notified
Every purchase is written to your activity history with a receipt, and you get a notification the moment it completes.
Failures reversed
If a provider fails to deliver, the amount is reversed to your wallet automatically — you don't chase anyone.
Use cases
Real moments it solves.
“Light finished at 9pm”
Meter token bought and loaded before the generator runs out of fuel.
“Customer needs recharge”
Sell a top-up from your stall in seconds and keep the margin in your wallet.
“Data for my child's online class”
Exact bundle, exact validity, bought at 6am before school starts.
“Bought data on credit before market day”
Wallet short on Sunday night, cleared from Monday's takings.
FAQ
Frequently asked questions.
Save with MamaSave. Spend with MamaSave.
One balance for the money you keep and the small payments you make every day.
Purchases are funded from wallet balances held by MamaSave Eliozu Multipurpose Co-operative Society Limited (MamaSave Cooperative Ltd) with NDIC-insured partner banks. Pearl Systems Ltd provides the technology.