Petra

What Petra does

Petra, operating under Petra Holdings and founded in 2011, is a Ghana-based financial services group headquartered in Accra that delivers pension administration, fund administration, corporate trustee services, financial advisory, and employee benefits to institutions and individuals in Ghana. The firm serves more than 3,000 corporate clients — including MTN, Shell, AngloGold Ashanti, Access Bank, Ecobank, AirtelTigo, Vivo Energy, MODEC, PwC, and Hollard — and more than 250,000 individual members across Tier 2 and Tier 3 pensions, savings, and investment products structured under Ghana's Pensions Act. Its service lines for employers span fund administration, corporate trusteeship, saving schemes, and employee financial wellness (including free staff training); for individuals it offers Individual Pension (Tier 2), Post-Retirement Solutions, Savings Booster, financial planning, ezLoans, and ezHomes.

The technology layer consists of a digital platform with a web-based members portal, the Achieve mobile application on iOS and Android, the Achieve More web portal, and self-serve planning tools such as the Benefits Calculator and Personality Test Tool. Through wholly-owned subsidiary Petra Securities Limited — which holds a Securities and Exchange Commission license — Petra extends the platform into broker-distributed investment products including DigiSave (zero transaction fees), Eurobond Trust, and Global Tech, with real-time tracking of contributions, earnings, and withdrawals. Distribution combines direct enterprise field sales to HR departments and corporate management with self-serve digital onboarding for individual consumers.

The business model is a mix of recurring managed services (corporate trustee, fund administration, saving schemes), professional services (financial advisory), and subscription/transactional recurring revenue from consumer investment products. Enterprise pricing is quote-based with annual billing tied to scheme complexity, while individual products such as DigiSave carry zero transaction fees and pay-as-you-go economics. Revenue is concentrated in Ghana with a stated but not yet executed expansion vision across Africa.

Name

Petra

Legal name

Petra Holdings

Website

https://petraonline.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

Petra is a Ghana-based financial services group offering pension administration, fund administration, corporate trustee services, and investment products to 3,000+ corporate clients and 250,000+ individual members, distributed via direct enterprise sales and the Achieve digital platform.

Ownership category

akta.pro rank

Product category

Pension Fund Administration

NAICS

Portfolio Management and Investment Advice (523940), Trusts, Estates, and Agency Accounts (525920), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Investment Advice (6282)

akta.pro primary industry

Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

Keywords

• Pension fund management
• Corporate trustee services
• Fund administration services
• Retirement planning services
• Employee benefits administration

Headquarters

HQ city

Accra

HQ country

Ghana

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Fund Administration Services: Petra provides fund administration services to corporate clients and scheme administrators, managing retirement funds and saving schemes for organizations
2. Financial Advisory Services: Professional financial planning and advisory services offered to individuals and institutions
3. Corporate Trustee Services: Corporate trustee services managing employees' retirement and workplace benefits for companies
4. Investment Products (DigiSave, Eurobond Trust, Global Tech): Digital investment products through Petra Securities Limited offering broker services for personal investments with various return profiles

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Petra is a Ghanaian financial services firm that delivers pension fund management (Tier 2 and Tier 3), corporate trustee services, and fund/saving scheme administration to enterprises, alongside savings, investment (DigiSave, Eurobond Trust, Global Tech via the Achieve app), and mortgage/home financing (ezLoans, ezHomes) products to individual consumers. The firm was appointed by over 3,000 leading Ghanaian brands and serves over 250,000 individual workers, distributing services through direct B2B sales and digital self-serve channels (Members Portal and Achieve mobile app).

Product overview

Petra is a financial services company operating a platform-plus-modules architecture. The core offering includes fund administration, financial advisory services, corporate trustee services, and employee benefits solutions. For individual consumers, Petra provides pension services (Individual Pension Tier 2), post-retirement solutions, and savings/investment products including the Savings Booster and Savings & Investments. The company operates dedicated portals including the Members Portal for contribution tracking and account management, as well as the Achieve App (offered by subsidiary Petra Securities Limited) which provides mobile access to investment products including DigiSave, Eurobond Trust, Global Tech, and a Goals-based investment feature. Additional services include ezLoans (mortgage services) and ezHomes through subsidiary portals.

Differentiator

Problem solved

Functional benefit

Brands

• Achieve by Petra: Personal investment app offering DigiSave, Eurobond Trust, Global Tech investment products
• Savings Booster

Products and services

• Financial Planning / Advisory Professional financial advice, financial strategy development, and practical investment planning services for individuals provided by Petra's financial planners.
• Savings & Investments Systematic investment planning and savings products allowing individuals to invest and grow money over time, leveraging Ghana's Pensions Act.
• Individual Pension (Tier 2) Pension services under Ghana's Pensions Act allowing individuals to convert a portion of taxes into retirement savings through a Tier 2 pension arrangement.
• Post-Retirement Solution Retirement planning and management services for individuals after retirement to support continued financial wellbeing.
• ezLoans Mortgage and loan services for individuals accessed through a dedicated Petra mortgage portal.
• ezHomes Home-related financial services and solutions for individuals provided through a dedicated Petra homes portal.
• Fund Administration Professional fund administration services for employers and institutions, providing shareholders and scheme members with confidence in the management of their funds.
• Corporate Trustee Services Corporate trustee services for workplace benefits and retirement schemes, including appointment as a regulated corporate trustee for clients' employee benefit programs.
• Employee Financial Wellness Financial wellness programs and services for employees, including free staff training on financial literacy topics delivered to corporate clients.
• Saving Schemes Administered saving schemes for employers and institutions, providing professional management of employee saving arrangements.
• DigiSave Digital investment product on the Achieve app offering higher returns with full transparency, real-time tracking of contributions, earnings, and withdrawals, and zero transaction fees for personal investors.
• Eurobond Trust Investment product offered via the Achieve app providing exposure to Eurobond markets for personal investors.
• Global Tech Investment product offered via the Achieve app providing exposure to global technology companies for personal investors.
• Achieve App Mobile application by Petra Securities Limited for personal investment products, available on iOS and Android, enabling users to subscribe to investment products (DigiSave, Eurobond Trust, Global Tech), set goals, and track contributions, earnings, and withdrawals in real time.

Named customers15 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• Petra Securities LimitedcoreOEM/ Whitelabel/ Licensing PartnerSEC-licensed subsidiary of Petra that provides broker services, offering innovative and customized financial planning services to individuals and institutions in Ghana through the design and delivery of innovative financial solutions backed by exceptional customer service.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• GES (Ghana Stock Exchange-listed) Databank / IC Asset Managers: Databank is one of Ghana's largest independent investment advisors and mutual fund managers serving both retail savers and institutional clients, comparable to Petra's fund administration and investment product range.
• Enterprise Group (Ghana): Enterprise Group is a major Ghanaian financial services conglomerate (life insurance, pensions, asset management) that competes directly with Petra in corporate pensions, individual savings plans, and group retirement schemes across the same Ghanaian enterprise customer base.
• Cordros Capital / Cordros Asset Management (Ghana): Cordros provides asset management, brokerage, and securities services in Ghana comparable to Petra Securities Limited's brokerage and to Petra's discretionary investment products.
• ARM Pensions (Nigeria): ARM Pensions is a leading Nigerian PFA and asset manager managing corporate and individual pension contributions, comparable to Petra in regulatory-driven workplace pension administration across Africa.
• IEG (Investment & Executive Group, Ghana): IEG is a Ghanaian wealth advisory and pension/employee benefits specialist serving corporate clients and high-net-worth individuals, directly overlapping Petra's advisory and pension fund administration offerings.
• CAL Bank (Ghana): CAL Bank offers institutional asset management and pension fund management in Ghana with corporate banking relationships; it competes with Petra in serving corporate pension schemes and treasury/investment mandates for Ghanaian employers.

Regional players

• Pension Alliance (PAL Pensions, Nigeria): PAL Pensions is a Nigerian Pension Fund Administrator offering workplace pension management comparable to Petra's corporate trustee services; same category but focused on the Nigerian market, useful as an analog for Petra's stated pan-African ambitions.

Broad incumbents

• Old Mutual Ghana (Old Mutual Life Assurance): Old Mutual is a multinational insurer/wealth manager with a Ghana subsidiary providing pension and group retirement products; it overlaps with Petra's corporate trustee, savings, and investment business but with broader pan-African and global backing.
• AXA Mansard (Nigeria) / AXA West Africa: AXA Mansard provides pension, life, and asset management across West Africa; it is comparable to Petra given shared Ghana/West African enterprise pension focus and similar corporate client base.
• Stanbic IBTC Pension Managers (Nigeria): Stanbic IBTC Pension Managers is one of the largest PFAs in Nigeria managing workplace pensions for major corporates; it is comparable to Petra in providing Tier-2-like regulated pension management at significant scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/PetraOnSocial
• Facebookfacebook.com/PetraOnSocial
• LinkedInlinkedin.com/company/petraonsocial

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Petra