---
title: "AjoCard: Daily Savings App in Nigeria — Fees"
description: "Save daily, get instant 30‑day micro-loans, pay bills, send/receive money, and subscribe to basic health insurance in Nigeria."
canonical_url: "https://liners.com/ajocard"
markdown_url: "https://liners.com/ajocard.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/ajocard/screenshot.png?v=1772274292081"
published_at: "2026-02-28T10:29:12.017Z"
updated_at: "2026-08-31T05:10:07.254Z"
---

# AjoCard: Daily Savings App in Nigeria — Fees

Save daily, get instant 30‑day micro-loans, pay bills, send/receive money, and subscribe to basic health insurance in Nigeria.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [AjoCard](/ajocard)

## Summary

Savings, loans, payments, and health cover for everyday earners

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://ajocard.com/ |
| Tagline | Savings, loans, payments, and health cover for everyday earners |
| Primary country | Nigeria |
| Platforms | Android, Web, API |
| Average rating | 4 |
| Published reviews | 2 |
| Verified listing | No |

## About the product

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.

 

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Insurance](/tags/insurance): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/ajocard/alternatives)
- [Reviews](/ajocard/reviews)
- [Transparency](/ajocard/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/ajocard)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)