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Help centre

What has gone wrong, and who can fix it

Plain answers, and a real way to reach a person on every topic — with the hours somebody is genuinely there.

Lost card or fraud

0814 296 1654

8am–5pm, Monday to Friday. Freeze the card in the app first — it is instant — then call, or WhatsApp 0814 374 0921.

  • Opening and managing an account

    Opening, upgrading, updating your details and closing an account.

    Call us, 8am–5pm Monday to Friday0814 296 1654

    5 answers

  • Savings and interest

    Rates, when interest is paid, and what happens if you break a plan early.

    Chat in the app, 8am–5pm Monday to FridayOr email info@citadelecapitals.com

    5 answers

  • Loans and repayments

    What you can borrow, what it costs in naira, and how to repay early.

    Call the lending team, 8am–5pm Monday to Friday0814 296 1654

    4 answers

  • Cards and transfers

    Freezing a card, failed transfers, and money that has not arrived.

    Card and fraud line, 8am–5pm Monday to Friday0814 296 1654

    4 answers

  • Ajo groups

    Starting a group, changing the order, and what happens if a member stops paying.

    Chat in the app, 8am–5pm Monday to FridayAjo questions are handled by the customer team

    4 answers

  • Security and fraud

    What we will never ask you for, and what to do if something has gone wrong.

    Fraud line, 8am–5pm Monday to Friday0814 296 1654

    4 answers

  • Using the app

    Signing in, resetting a passcode, and getting the app on a small phone.

    Chat in the app, or emailinfo@citadelecapitals.com

    4 answers

Not a question

If something has gone wrong, that is a complaint, not an enquiry

A complaint gets a reference number the moment you raise it, a named owner, and a resolution inside 14 working days — or the CBN escalation path, stated in full.

Make a complaintTrack one you have made