Help centre
Ajo groups
Starting a group, changing the order, and what happens if a member stops paying.
Talk to somebody
Chat in the app, 8am–5pm Monday to Friday
Ajo questions are handled by the customer team
How do I start an Ajo group?
In the app: Ajo, then Create group. Set the amount, the frequency and the order of turns, then invite members by phone number. The first cycle starts once everyone has confirmed.
Can we change the order after we have started?
Only if every member agrees in the app. That rule exists because a changed order is the single most common reason a savings group falls apart, and enforcing it is most of the value of running Ajo through a bank.
What if a member stops contributing?
The group is notified immediately and the cycle pauses. The bank does not cover the shortfall — Ajo is your group’s money, held safely, not a guaranteed product. Members who have already collected and then stop paying are reported to the credit bureaux.
Does money in an Ajo group earn interest?
Yes. Contributions earn 12% a year for the days they are held before the collection date, paid to the member who collects.
Did that not answer it?
Chat in the app, 8am–5pm Monday to Friday — Ajo questions are handled by the customer team. If something has actually gone wrong rather than being unclear, raise a complaint instead: you get a reference number immediately and a resolution inside 14 working days.
Security
We will never ask for your PIN, your OTP or your password
Not on the phone, not in chat, not by email, and not by anybody claiming to be from the bank or the CBN.