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.

Does Ajocard have a mobile app?

Yes, AjoCard has a mobile app available on Android via Google Play.

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.

Ajocard: Savings, loans, payments, and health cover fo…

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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 , which can matter for trust when serving cash-based and underserved segments.

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