Four simple journeys cover almost everything you’ll do on AjoPlus. Here’s exactly what happens at each stage.
Enter your name, phone and email and set a password.
Confirm your phone and email by OTP, then upload your ID and BVN/NIN.
Once approved, your account is live. Join a group or start a savings plan.
Top up by card, bank transfer or USSD — or use your dedicated account number.
Your daily/weekly/monthly amount is debited on schedule. No reminders to chase.
Balance and history update the moment money moves, with a receipt every time.
Set the amount, frequency, members and payout order. Everyone takes one turn.
Contributions are pulled into the group pool automatically; latecomers are flagged.
The scheduled member receives the pooled amount, then the circle rotates on.
Request an amount, add documents and nominate a guarantor if needed.
We check eligibility from your savings history. Approval uses a maker–checker step.
Funds hit your wallet and a clear repayment schedule begins.