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The most common questions about setting up groups, contributions, fees, and keeping your circle safe. Can't find what you need? Our team is one message away.
Getting started
What is Ntalah?
Ntalah digitises community savings groups — stokvels, ROSCAs, ASCAs, and burial societies. It gives your group a shared, auditable ledger with automated reminders, payout tracking, and trust scores, without changing how your group already works.
How do I create a group?
Choose your model (rotation, accumulation, or goal & care cover), set your contribution amount and cycle, then invite your members. Your first few groups, and the first several members in each, are free — see the Pricing page for the current allowances.
Do all my members need smartphones?
Ntalah is designed to be light on data and fast on low-end devices. Members get visibility into balances, schedules, and history from their own phones, and admins can help manage the group.
Is Ntalah available outside South Africa?
Ntalah is built for African savers and the diaspora. Availability of specific payment methods varies by country — contact us to find out what's supported where you are.
Groups & models
What's the difference between ROSCA and ASCA?
A ROSCA (rotating pot) hands the full pooled contribution to one member each cycle until everyone has had a turn. An ASCA (group bank) keeps contributions pooled so members can borrow from the fund and repay with interest, sharing out profit at year-end.
What is Goal & Care Cover?
It's for life's big moments — weddings, burials, illness. Members pay a regular premium, and when a qualifying event happens, the group releases cash and coordinates practical support like tents, food, and transport.
Can I run more than one group?
Yes, and you can mix and match rotating circles, group funds and goal & care cover. The first few are free and additional groups are a small one-off cost — the Pricing page shows the current figures.
Contributions & payouts
How are contributions collected?
Ntalah sends automated reminders and keeps a running ledger so everyone can see who has paid. Supported mobile money and payment methods depend on your region.
How is the payout order decided?
For rotating groups, Ntalah can auto-generate a fair rotation order, which the group can adjust. Every payout is tracked and visible to all members.
What happens if someone doesn't pay?
Missed contributions are visible in the ledger and affect a member's trust score. Each group sets its own rules for late or missed payments; Ntalah enforces what the group agrees.
Fees & billing
How much does Ntalah cost?
There is a free allowance of groups and members that costs nothing, forever. Beyond it, member seats are bought in bundles billed monthly, and extra groups are a one-off cost. The Pricing page shows the current prices and has a calculator.
Are the fees a subscription?
Partly. Member seat bundles are billed MONTHLY on a card kept on file, and the amount follows how many bundles you hold — remove one and next month drops. Extra groups are a one-off cost, not recurring. You only pay once your circles grow beyond the free allowances.
Trust & security
Is my money safe?
Funds belong to your group and its members; Ntalah facilitates and tracks them. We protect data with encryption, access controls, and fraud monitoring — see the Security page for details.
Will Ntalah ever ask for my PIN or OTP?
Never. We will never ask for your PIN, password, or one-time PIN by phone, email, SMS, or chat. Only trust messages from official @njanghi.com addresses.
What is a trust score?
Every member builds a Ntalah Trust Score from their contribution history and completed cycles. It travels with you across the groups you join, so trust becomes a number everyone can see.