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Ajo · Esusu · Adashe

The savings group you already run, without the trust problem.

Everybody contributes, everybody sees the pot, and the payout goes out on schedule — because a licensed bank is holding it, not a person.

Start a groupSee all rates

₦0to run a group, and nobody holds the cash

₦0
to run a group
3–20
members
Automatic
payout on rotation day
Everyone
sees every payment

How it works

How Ajo works

Four steps at the most, and none of them involves a branch.

  1. 1

    Set the group up

    Amount, how often, and the order people collect in. Share a link and members join with their own accounts.

  2. 2

    Everybody pays in on the same day

    Automatically, from their own account. The app shows who has paid and who has not — so the reminder is not your job.

  3. 3

    The pot pays out on rotation day

    To whoever is next in the order, in full, on the day. No treasurer, no cash box, nobody travelling with money.

  4. 4

    The order cannot be changed quietly

    Changing it needs every member to agree in the app, and the whole history is visible to all of them.

In the app

This is Ajo, as you will actually see it

Not a screenshot. Everything in this phone is the same code the app is built from, drawn live in your browser.

Get the appStart a group

Oshodi Traders

Chidi Eze collects this month
Everybody pays₦40,000
Pot this round₦240,000
Paid in5 of 6
Your turnMarch, round 6
Interest on the pot10% a year

What you need

  • Your BVN.
  • A photo of a valid ID — NIN slip, driver’s licence, voter’s card or passport.
  • A phone number registered in your name.
  • A selfie, taken in the app.
  • At least three members, each with their own Citadele account.

Every deposit with us is insured by the NDIC. You do not apply for that cover and you are not charged for it.

Start a group

Rates and limits

Running a group
Free
Interest on the pot between rounds
Shared across the members
10% p.a.
Group size
3 to 20 members

What it costs

Creating and running a group
Free
Contributions and payouts
Free
Leaving a group before your turn
Your contributions come back within 3 working days
Free

Questions

The things people ask before they start

If yours is not here, call us on the number at the bottom of this page and a person will answer.

It is insured. CitadeleCapitals is licensed by the Central Bank of Nigeria and every deposit is covered by the Nigeria Deposit Insurance Corporation, up to the NDIC limit for microfinance banks. The cover is automatic — you do not apply for it and you are not charged for it.

Everyone sees it the same day, in the app, rather than finding out on payout day. The group decides what to do — carry them, drop them, or reorder — and any change needs every member to agree. What cannot happen is one person quietly taking the money, because no person ever holds it.

CitadeleCapitals, in an account belonging to the group and insured by the NDIC like any other deposit. Not the group leader, and not us to lend out — the pot is held for the group.

The group sets the order when it starts, and you can see your date from day one. Two members can swap positions if both agree in the app.

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Target Savings

Name what you are saving for, set the date, and we do the rest.

16%a year, until the date you set

Learn more about Target Savings

Flex Savings

Save today, withdraw tomorrow. No notice, no penalty.

12%a year, and you can still reach it

Learn more about Flex Savings

Cooperative Lending

Borrow as a registered group, with the group standing behind it.

3%a month, the cheapest rate we lend at

Learn more about Cooperative Lending

Licensed by the CBN · Deposits insured by NDIC

Open Ajo in five minutes, on your phone.

Your BVN, a photo of your ID and a selfie. No branch, no forms, no minimum deposit.

Start a groupTalk to someone first