The Susu app for the person who holds it together.
Throw keeps the turns, the reminders and the receipts for your Susu. Everyone pays bank to bank, straight to whoever’s turn it is. Throw never holds the money.
In testing on iPhone now. Join the early access list for your Susu.
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What is a Susu?
A Susu is a rotating savings group. A few people who trust each other agree an amount and a schedule. Everyone pays in each time, and each time one member takes the whole pot. When everyone has had a turn, the Susu ends, or starts again.
In Ghana the word covers two things: the rotating group run by friends, family or colleagues, and the susu collector who visits traders to keep their daily savings. Across the Caribbean you’ll hear the rotating kind called sou-sou in Trinidad and Tobago and box in Guyana. Throw is for the rotating group, run by people who already know each other.
The words people use
- Hand
- One share in the Susu. Someone with two hands pays twice each round and receives the pot twice.
- Turn
- The round when you receive the pot. The order of turns is agreed before the first payment.
- Organiser
- The person who keeps the list, collects or chases payments and decides the order. In Throw they set the Susu up and invite everyone.
- Pot
- Everything paid in during one round, including your own contribution in the round you receive.
How to run a Susu
Most Susus that go wrong go wrong on the details nobody wrote down. These are the things to agree before anyone pays.
- Agree the amount and how often. Weekly, fortnightly or monthly, and a sum everyone can pay every time, not just the first time.
- Agree the order. Who receives first matters: the first person effectively gets an early payout, the last saves the longest. Decide it openly, or draw lots.
- Agree what happens when someone is late. How many days’ grace, whether anyone can ask for more time, and who decides.
- Agree what happens if someone leaves. Can they hand their place to someone else? What if they’ve already had their turn?
- Keep one record everyone can see. Who has paid, who has received and what is still owed. This is the part Throw does for you.
How Throw helps your Susu
- The order is set before anyone paysFixed by the organiser or drawn at random, and every member sees the same payout dates.
- Reminders go out for youMembers get a reminder before each due date, so the organiser stops sending them.
- Money goes straight to the person receivingEach member approves the payment in their own banking app. It lands with whoever’s turn it is, not with the organiser and not with Throw.
- A shared record ends the argumentsEvery payment, who made it and its status is in a ledger the whole Susu can see, with a receipt for each one.
Throw never holds the money and doesn’t guarantee or cover missed payments. Payments are started by Yapily Connect Ltd, authorised by the FCA (FRN 827001). Read how Throw works, step by step, or see plans and pricing.
Susu questions
Is Throw a susu collector?
No. A susu collector keeps people’s savings. Throw never holds anyone’s money: each payment goes from one member’s bank to another’s, and Throw keeps the record.
Does Throw hold our money?
No. Every contribution goes from the payer’s bank account straight to the member receiving the pot that cycle. Throw records the payment and shows its status. The only money paid to Throw is its own fee.
What if someone doesn’t pay?
Throw reminds them before the due date and tells the organiser when a payment is late. The rules your group agrees at the start decide the grace period and what happens next, and everything is recorded where the whole group can see it.
Members can ask for more time, swap turns or hand their place to someone else. Throw doesn’t cover missed payments.
Does anyone pay or earn interest?
No. Throw doesn’t lend money and nobody earns interest on the pot. Each member gets back exactly what the group puts in for their turn. The only cost is Throw’s flat fee, which is shown before anyone joins.
Can family abroad join?
For now, everyone pays in pounds from a UK bank account. Members abroad can’t pay through Throw yet.
What does it cost?
£1.49 per member per month on Standard, or £2.49 on Plus, for the length of the circle. It’s charged once at the start with one bank approval, so there are no monthly charges. The organiser can run the group for free.
Get early access
Throw is in testing on iPhone. Tell us about your group and we’ll be in touch as places open, and when Throw is on the App Store.
You’re on the list
We’ll email you as soon as there’s a place for your group.