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Health cover, pension savings, and loans in one account
AjoCard
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.
AjoCard Product Overview
Is AjoCard Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Unbanked Nigerians
- Everyday earners
What It Does Well
- Daily savings habit
- 30-day micro-loans
Things to Check
- Loan eligibility rules
- Loan amount limit
About AjoCard
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.
It is notable in Nigeria’s financial services market for operating under a CBN-approved microfinance license and stating that deposits are insured by the NDIC, which can matter for trust when serving cash-based and underserved segments.
AjoCard Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
What it does
Pricing & Fees
Variable pricingInsurance: “all-inclusive basic health plan, for ₦1,500 across 750+ hospitals in Nigeria.” Micro-Loans: “microcredit of up to ₦100K.”
As of Oct 5, 2026, AjoCard is rated 3.0 on Google Play from 383 reviews with 10K+ installs.
Recent Reviews for AjoCard
Reviews reflect each reviewer's opinion. Companies cannot pay to alter or remove reviews. A verified review includes proof that Liners checked to an extent. Learn how reviews work3.6
Great · 2 reviews
5-star
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How is the score calculated?
Every product starts at a 3.5-star baseline worth 7 reviews. Each approved review pulls the score toward the real average, so a product with one 5-star review shows about 3.7.
Learn how reviews work
Eriife John
NG · 2 reviews
Jun 5, 2026
This app helped me to build a saving habit beyond the traditional ways. I definitely recommend this app
Devicaart
NG · 3 reviews
Jun 5, 2026
I appreciate how AjoCard combines savings, payments, and financial services in one application. The interface is straight forward.
Compare AjoCard With Similar Products
AjoCard Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataAjoCard has raised $1M across 1 recorded funding event. The latest was Seed in Jul 2021.
- Total Raised:
- $1M
- Latest Round:
- Seed
AjoCard Investors & Funding Rounds
Seed$1MJul 2021
Frequently Asked Questions About AjoCard
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.
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.
AjoCard operates in Nigeria.
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).
Yes, AjoCard is available on Android.
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