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Four ways to grow your money

Mix and match — most members run a daily thrift, sit in an Ajo group, and lock a little in Fixed Save. Returns are indicative and members-only.

Daily Thrift

Flex/save

The everyday Ajo, automated.

  • From ₦200/day
  • Withdraw anytime
  • Auto-debit
Get started

Fixed Save

12%/yr*

Lock 3–12 months, earn more.

  • Higher indicative return
  • Auto-rollover
  • Maturity certificate
Get started

Group Ajo

Rotate/pool

Save in a trusted circle.

  • 4–20 members
  • Auto collect & pay out
  • Shared ledger
Get started

Quick Loan

3.5%/mo*

Borrow against your savings.

  • Up to 3× savings
  • Clear repayment plan
  • Guarantor option
Get started

*Indicative, members-only and not guaranteed. Actual returns and loan terms depend on tenure, eligibility and group standing. Full terms apply.

Compare

Which plan fits you?

FeatureDaily ThriftFixed SaveGroup Ajo
Minimum to start₦200₦10,000Set by group
Access to fundsAnytimeAt maturityOn your payout turn
Indicative returnUp to 12%/yr
Best forDaily saversLump-sum goalsFriends & co-workers
Auto-debitYesYesYes
Ready?

Open an account and pick your plan in minutes.