Everything you need to know — from creating your account to receiving your payout. No experience needed.
Getting started takes under two minutes. No app download required — everything works in your browser.
Full name, email address, and a secure password.
Click the link we send to your inbox to confirm your account.
Your account is ready. Now create or join a savings group.
Registration screen
Sign up to join your savings group
Already have an account? Log in
👉 Go here to register: http://ajomoney.ng/register
Once registered, you can either start your own savings group or join one that someone else has created.
You become the group admin. You set the rules and invite members.
You must activate the group to start
Once all your members have joined and been approved, go to the group's Settings tab and click "Activate group". This generates the full rotation schedule and officially starts the contribution cycles. The group will not begin until you activate it.
Important: After activation, the group type is locked and no new members can be added without affecting the schedule.
Settings tab — where to activate
Group lifecycle
Group not yet started
Activate once everyone you need has joined.
↑ Scroll down to the bottom of the Settings tab to find this section
Someone has already created a group and is inviting you.
Note: You must register first before you can join a group, even if you have an invite link.
After logging in, your dashboard gives you an instant overview of all your savings groups and upcoming payments.
Dashboard screen
Dashboard
Welcome back, Victor
Active groups
2
3 total memberships
Total saved
₦60,000
Across all groups
Next payment due
Jun 30
in 12 days
Family Savings Circle
Rotating payout
Balance
₦30,000.00
Summary strip
See active groups count, total saved, and your next payment due date at the top.
Group cards
Each of your groups shows as a card with balance, upcoming payments, and quick action buttons.
Recent contributions
A table at the bottom shows your 5 most recent contribution records across all groups.
When you open a group, you'll see several tabs. Each tab gives you a different view of the group's activity.
Group navigation tabs
Family Savings Circle
Contribution
₦10,000
Monthly
Start date
Jan 1, 2026
Members
6 / 12
Group type
Rotating
Shows the key group details — contribution amount, start date, member count, and group type. You can also leave the group from here.
See every approved member, their rotation position, when they joined, and their projected cycle window. Admins can also manage join requests here.
The full rotation schedule showing every cycle, dates, recipient, and payout status. This is also where you upload your payment proof each cycle.
Your personal transaction history for this group — every contribution in, every payout out, with a running balance. You can export this as a PDF or CSV.
AjoMoney does not process payments — you pay the group admin or recipient directly via your own bank. The platform is for recording and tracking that payment.
⚠️ Important: Always transfer money directly to the group admin's bank account first, then come back to AjoMoney to upload your proof of payment.
Transfer your contribution amount to the group admin's bank account before the due date. Keep your receipt or screenshot.
In your group, click the Schedule tab. Find the active cycle's contribution row with your name and click "Upload proof".
Upload a photo or PDF of your bank receipt or transfer screenshot. Accepted formats: JPG, PNG, PDF (max 5MB).
The group admin reviews your proof and confirms the payment. Your contribution is then marked as Paid and your balance is updated automatically.
Contribution status meanings
You haven't uploaded proof yet. Payment is due.
You've uploaded proof. Admin has not confirmed yet.
Admin confirmed your payment. You're all set for this cycle.
The Schedule tab shows the full rotation plan for your group — every cycle, who receives the payout, and the date range.
Schedule screen
My position
#3
of 6 cycles
Current cycle
1 / 6
Jan 1 – Jan 31
This cycle's recipient
Amaka O.
| Cycle | Dates | Recipient | Status |
|---|---|---|---|
| 1 | Jan 1 – Jan 31 | Amaka O. | Active |
| 2 | Feb 1 – Feb 28 | Chidi K. | Upcoming |
| 3 | Mar 1 – Mar 31 | You | Upcoming |
Your rotation position tells you which cycle you'll receive the payout in. If you're position #3, cycle 3 is your month to collect.
The currently running cycle is highlighted in green. This is the cycle everyone is paying into right now, and one member will collect from it.
When it is your cycle, you will receive the payout — the total of all members' contributions for that cycle. Here is what happens:
When your cycle starts, AjoMoney sends you an email: "It's your turn!" — with your cycle dates and payout amount to expect.
During your cycle, every other member makes their contribution. You can track who has paid and who hasn't in real time on the Schedule tab.
The group admin transfers the collected funds to your bank account and records the payout on the platform. You'll receive a confirmation email.
The payout appears in your Ledger tab as a transaction. You can download your full statement as PDF or CSV at any time.
💡 Remember: AjoMoney does not transfer the money — the admin does. The platform simply records and tracks everything so it is transparent for all members.
When creating a group, you choose one of two types. You cannot change the type once the group is activated, so choose carefully.
Each cycle, one member receives the full pot. The rotation continues until every member has collected once. This is the traditional Ajo / Esusu / Susu model.
Example — 6 members, ₦10,000/month:
Best for: Groups that want each member to receive a lump sum at their turn.
All contributions are pooled together each cycle. At the end of the group's schedule, every member receives their total contributions back as a lump sum. Great for group target savings.
Example — 6 members, ₦10,000/month, 6 months:
Best for: Groups saving towards a shared target or personal goals.
Free to use. No app download needed. Takes two minutes to set up.