The digital home for your rotating savings group. Every contribution tracked, every reminder automated, every payout transparent — no spreadsheets, no WhatsApp arguments, no drama.
Trusted by thousands of savings groups across Africa
Tunde paid ₦20,000
Cycle 3 · just now
Reminder sent
3 members · due Friday
Active group
Lagos Family Ajo 🏡
Cycle
3/8
Next payout
Chioma Obi 🎉
₦160,000 · due June 30
This cycle
Why thousands of groups choose Ajo Money
₦0
Platform fees
Free to join, free to create a group. Always.
100%
Transparent
Every member sees every transaction. No secrets.
1 min
To set up a group
Name, amount, frequency. Group is live.
Africa
Multi-currency
₦ £ $ € ₵ KSh — any currency, any country.
No training needed. If you can use WhatsApp, you can use Ajo Money.
Give your group a name, set the contribution amount, choose how often members pay — daily, weekly, or monthly — and decide how many people you want in the circle. Takes less than one minute.
Your group invite link
3 pending join requests
Chioma Obi
✅ KYC verified
Tunde Bakare
⏳ Awaiting KYC
Blessing Ade
✅ KYC verified
Share your unique invite link on WhatsApp, Instagram, or in person. People apply to join — you review every request and approve or reject with one tap. No one enters without your permission.
From the moment your group activates, Ajo Money manages everything — the schedule, the reminders, the payment tracking, the payout rotation. You focus on life. The platform handles the rest.
Email reminders
Sent before every due date
SMS alerts
For premium groups
Admin follow-up prompts
Reports
Track every naira
₦120k
Collected
₦80k
Disbursed
₦40k
Outstanding
Member reliability
Next payout — Cycle 4
Adaeze Kalu · ₦160,000
Due July 31, 2026
Every feature was built to solve a real problem that real savings groups face.
Create and manage multiple savings circles. Approve members, set contribution amounts, track group status — all in one place.
Payout order is assigned and tracked automatically. Every member always knows exactly whose turn is next.
See who has paid, who is owing, and every member's running balance — updated in real time.
Automated email and SMS reminders go out before every due date. No more manual chasing.
Every member gets an automatic score based on their payment history — so you always know who to trust.
Full financial history for every group. Export to CSV or PDF anytime. Every naira accounted for.
Set automatic penalties for late payments. Applied by the platform — no awkward conversations needed.
Email by default. SMS and WhatsApp reminders available for premium groups. Members get reached wherever they are.
₦ NGN · ₵ GHS · KSh KEN · £ GBP · $ USD. One platform for savings groups across Africa and the diaspora.
You already know which one you're using. Here's what changes when you switch.
Ajo, Esusu, Susu, Adashi, Tontine — group savings is a centuries-old African tradition built on trust. It has helped generations of families access capital, fund businesses, pay school fees, and build wealth together.
The tradition is powerful. The management tools were not. We built Ajo Money to change that — to give this tradition the digital infrastructure it deserves, without removing the human trust at its centre.
Start your group today →Works across Nigeria, Ghana, Kenya, UK, US and more — with multi-currency support.
You approve every member. You manage the group. Ajo Money just makes it easier.
Every member sees every transaction. No hidden records. No admin advantage.
Reminders go out automatically. You spend zero time following up manually.
Join thousands of savings groups
Free to join. Free to create your group. Up and running in under 60 seconds.