<p>Digital savings now fulfil the monetary functions of transaction and precaution, enabling households to cope with everyday shocks such as education and health emergencies. The impact of digital savings on emergency financing can be attributed to a number of factors. Firstly, there is a reduction in borrowing, transfer and financial transaction costs. Secondly, there is the removal of liquidity, time and mobility constraints that can arise in emergency situations. Thirdly, there is the adoption of digital savings tools that facilitate their effective use. The objective of this study is to analyse the effects of digital savings on the financing of education and health emergencies for households in SSA. The data for the years 2021, 2017, 2014 and 2011 for Sub-Saharan African (SSA) countries was obtained from the World Bank’s Global Findex and World Development Indicators. The estimation method is based on a fractional Probit with instrumental variables to correct for endogeneity. The findings indicate that the vast majority of digital savings indicators exert a favourable and substantial influence on emergency financing. Furthermore, the impact of precautionary digital savings indicators is found to be more significant than that of transactional digital savings. In addition, the development of mechanisms that limit the use of digital savings through competition, such as insurance and easy access to credit, has been observed. This recommendation is twofold: firstly, it calls for the enhancement of households’ financial capacities and purchasing power, thereby enabling them to accumulate precautionary digital savings; secondly, it advocates the implementation of policies that promote, disseminate and facilitate the utilisation of digital savings tools.</p>