What is AjoCard and how does it work?

AjoCard is a financial technology company that provides financial services like micro-savings, micro-loans, health insurance, and a digital wallet to underserved and unbanked individuals. It works by enabling users to save money, access instant loans up to 100K, make payments, send and receive money, and get affordable insurance through a secure platform.

How much does AjoCard cost?

AjoCard does not have a fixed signup fee for using its wallet or basic services, but it charges transaction-based fees on some services, while many everyday transactions (like transfers and payments) may be free depending on the channel used.

How do I sign up for AjoCard?

You can sign up by downloading the AjoCard mobile app or registering through their website, then creating an account using your phone number, personal details, and completing KYC verification (such as BVN, ID, and address details where required).

Does AjoCard have a mobile app?

Yes, AjoCard is available on Android.

Who is AjoCard best suited for?

AjoCard is best suited for unbanked consumers, banked individuals far from bank branches or ATMs, and people in semi-urban and rural areas needing to save, make payments, and access loans.

How do I contact AjoCard support?

You can contact AjoCard support via email at support@ajocard.com or by phone at +234 (1) 888 3784, +234 907 876 7326

Does AjoCard have a plan for teams or businesses?

It provides solutions that serve businesses and small enterprises through payments, savings, and lending products.

Does AjoCard offer an API or integrations?

AjoCard does offer APIs and integration tools, including savings, microcredit, health insurance, and bulk payment/disbursement APIs designed for financial institutions, agents, and enterprise partners.

AjoCard

🇳🇬 Nigeria

A fintech platform for unbanked Nigerians and mSMEs to save daily, access 30-day micro-loans, pay bills, send and receive money, and subscribe to health insurance.

Use it on:Web Android· 3.0API

Is AjoCard right for you?

Best for

Unbanked Nigerians
Everyday earners
Daily savers
Bill payers
Micro businesses

What it does well

Daily savings habit
30-day micro-loans
Bill payments
Send and receive money
Health cover signup

Things to check

Loan eligibility rules
Loan amount limit
Health cover details
Billers supported
Nigeria-only service

AjoCard is a Nigeria-focused fintech platform for unbanked and underserved individuals, open-market retailers, and mSMEs that offers daily savings, short-term micro-loans, payments, and health insurance access.

Key capabilities include:

Micro-Savings for daily savings collections designed for open-market retailers who save in small amounts toward business goals
Micro-Loans that provide instant 30-day loans up to ₦100,000, positioned as no-collateral microcredit
Payments and bill settlement to send and receive money, plus deposit, withdraw, and pay utility bills through online and offline channels
Health insurance access via YondaCare Insurance, offering a basic health plan for ₦1,500 with coverage across 750+ hospitals in Nigeria

Available on Android (AjoCard app), Web (console login), and via APIs for developers that embed savings, wallet micropayments, insurance subscriptions, and NFC-enabled card use cases.

The platform targets unbanked and underserved consumers, open-market retailers, and mSMEs, and also supports B2B2C distribution through partners such as Personal Bankers and product teams integrating via API.