01/08/2026
M-KOPA is a UK-headquartered fintech that provides affordable smartphones and digital financial services to underserved customers in Ghana. Since entering Ghana in 2021, it has unlocked over GHS 1.2 billion in credit for more than 550,000 customers through its daily repayment financing model. The company partners with Samsung and HMD Global to offer devices like the Galaxy A17 and AO7, making smartphones accessible to "Every Day Earners" who otten lack conventional credit.
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M-KOPA's "More Than a Phone" platform bundles devices with value-added benefits paid through installments. These include up to GHS 9,000 hospital cover and GHS 5,000 life insurance through Turaco and Old Mutual, up to 12GB free data, 24/7 support, and a one-time subsidized screen repair. Customers can also access claims for hospital admission within 72 hours via a toll-free Turaco line. 4 5 6
The company operates across all 16 regions of Ghana with a network of over 3,000 sales agents and works with MTN shops for in-person service. M-KOPA also runs a Phone Swap initiative for pre-owned Samsung Galaxy A-series devices to reduce e-waste and lower costs. Its Ghana office is located on Nii Martey Tsuru Street in Accra. 7 8 9
