Save daily, weekly or monthly, pool money with your group the way Ajo has always worked — now with every kobo tracked, every payout on time, and your savings working harder.
From the daily contribution your alajo used to collect by hand, to group pools, fixed investments and quick loans — AjoPlus puts the whole cooperative in your pocket.
Set a daily, weekly or monthly contribution and let auto-debit do the rest. Target a goal or lock funds for a higher return.
Run a rotating savings group with a fixed circle. Contributions collected automatically, payouts on schedule, defaulters flagged.
Put idle savings into clear, member-only investment plans with stated tenures and returns. Track value and download statements.
Fund instantly by card, transfer or USSD. Borrow against your savings history with a clear repayment schedule.
No more trusting one person with the cash box. Every contribution and payout is recorded and visible to the whole group.
OTP and two-factor sign-in, encrypted KYC, and approvals on every withdrawal. Your money is protected at every step.
Sign up with your phone, verify by OTP, and upload your ID. Approved in minutes.
Pick a savings plan and fund your wallet — or join an Ajo group and take your slot in the circle.
Watch your savings build, earn on investments, and borrow when you need to. Withdraw anytime.
Returns shown are indicative, members-only, and not guaranteed. Full terms on each plan.
The classic daily Ajo, automated.
Lock funds for 3–12 months.
Pool with people you trust.
For generations, Ajo ran on trust in one collector. AjoPlus keeps the trust and removes the risk — the ledger remembers every contribution, so groups stay friends, not creditors.
“I used to chase 15 people every week with a notebook. Now contributions just come in, and everyone can see the same numbers. Our group has never been calmer.”
Open a free account today. No paperwork queues, no missing records, no waiting on one person to bring the cash.