Ajo without the wahala
Your people. Your pot.
Your turn.
Create a circle, contribute together and track every payout. Pick a plan from ₦25,000 to ₦1,000,000, or design your own and choose who collects when.
- plans, ₦25k to ₦1m
- 6
- plans, ₦25k to ₦1m
- ways to collect
- 3
- ways to collect
- people to chase
- 0
- people to chase
Why PackAjo
Secure
Every member is verified with their BVN and bank before they can join.
Automated
Contributions are debited on schedule from the account you authorise. Nothing to remember.
Transparent
See who has paid, whose turn is next and where every naira went, round by round.
No more chasing
No collector, no reminders in the group chat, no awkward calls. PackAjo does the following up.
How it works
Four steps, then it runs itself
Setting up takes a few minutes. After that you don’t have to do anything until your payout arrives.
Step 1: Verify who you are
Sign up with your phone number, then verify once: your BVN, two bank accounts in your name and a recent statement for each. Your name fills in from your bank.
Step 2: Join or start a circle
Pick a plan and how often to save. Ask to join a circle with a free seat, or start your own and invite people with a link.
Step 3: Authorise debits once
Link your bank account and approve a direct debit on your bank’s page. Each round, your contribution leaves automatically.
Step 4: Get the pot on your turn
The order is drawn when the circle starts. On your round, the full payout goes straight to your bank account.
Plans
Which PackAjo plan you dey?
Everyone in a circle puts in the same each round, plus a 10% circle fee, and everybody collects. Or design your own plan in the app.
Smallie
Small small, e go big
₦25,000collected on your turn
You pay each week
₦5,500
₦5,000 contribution + ₦500 circle fee
- 5 members, 5 rounds
- Done in 5 weeks
- Daily, Weekly, Monthly
- Backup bank account optional
Steady
Keep the money moving
₦50,000collected on your turn
You pay each week
₦5,500
₦5,000 contribution + ₦500 circle fee
- 10 members, 10 rounds
- Done in 10 weeks
- Daily, Weekly, Monthly
- Backup bank account optional
Soft Life
Enjoy your turn
₦100,000collected on your turn
You pay each week
₦11,000
₦10,000 contribution + ₦1,000 circle fee
- 10 members, 10 rounds
- Done in 10 weeks
- Daily, Weekly, Monthly
- Backup bank account optional
Big Stepper
We dey move!
₦250,000collected on your turn
You pay each week
₦27,500
₦25,000 contribution + ₦2,500 circle fee
- 10 members, 10 rounds
- Done in 10 weeks
- Weekly, Monthly
- Needs a backup bank account
Odogwu
Big moves only
₦500,000collected on your turn
You pay each week
₦55,000
₦50,000 contribution + ₦5,000 circle fee
- 10 members, 10 rounds
- Done in 10 weeks
- Weekly, Monthly
- Needs a backup bank account
Chairman
Oga at the top
₦1,000,000collected on your turn
Monthly only, so each round stays affordable.
- 10 members, 10 rounds
- Done in 10 rounds
- Monthly
- Needs a backup bank account
The circle fee is 10% of each contribution, shown before you join and added on top, so the pot is always the full amount. 5% goes to your circle’s lead for running it; 5% goes to PackAjo and covers payment processing.
Na your turn
Everybody has a turn. Know yours.
Whoever starts a circle chooses how it pays out, and every member sees it before they join.
Fair draw
PackAjo draws who collects first to last when the circle starts, from a seed anyone in the circle can check.
Host arranges the turns
The host sets the order. Everyone sees their turn and must accept it before the circle starts, so nobody’s turn moves without their say.
- New
Everybody collects at the end
Save together for 2 to 24 months. Nobody collects during the cycle; at the end, everyone gets back all they put in, the same day.
Create your own plan
Your amount (₦1,000 to ₦1,000,000 a round), your people (2 to 50), your pace, your arrangement. The app shows The Pot and every member’s share before anyone joins.
Together
Saving is easier with people you know
PackAjo was always social. The app keeps the good part: your people, in one place, without the chasing.
- Save with friendsAdd friends, find people you know from your contacts, see which circles they’re in, and invite them to yours with one tap.
- A chat for every circleTalk to your circle in the app. Replies, reactions and read receipts, so you know who has seen the payout date.
- Fill your circle in CommunityList your open seats in the feed, or post what circle you’re looking for. People react, comment and ask to join.
Ajo, upgraded
Ajo sweet. Chasing contribution no sweet.
The circle works the way it always has. What changes is who does the work.
The old way
With PackAjo
The old way: Someone collects the cash and keeps track in a notebook
With PackAjo: Debits run automatically and every one is on record
The old way: You chase late payers in the group chat
With PackAjo: PackAjo retries, tries their backup account and follows up
The old way: You trust the collector with everyone’s money
With PackAjo: The pot pays out only when the round is fully funded
The old way: The order is whatever the collector decides
With PackAjo: The order is drawn, and anyone in the circle can check it
The old way: Anyone can join if they know the collector
With PackAjo: Every member’s identity is verified before they join
Security
Built so trust isn’t the risk
A circle is only as safe as its weakest member. So everyone is verified, every debit is authorised, and the money only moves when a round is complete.
Real people only
Names come from your bank, matched with your BVN by Paystack, so nobody can sign up as someone else. Both accounts must be in that name.
Documents checked by our team
Paystack matches your BVN with your bank account; PackAjo’s own team reviews your statements. Not shared with other members.
Encrypted where it’s stored
Your BVN, account numbers and statements are encrypted at rest, and every staff action is logged.
Debits you approved, at your bank
Direct debits run through Paystack, on a mandate you approve on your bank’s own page.
Your PIN for every money move
Joining a circle, linking an account or authorising debits always asks for your transaction PIN.
A draw you can check
The payout order is drawn from a published seed when the circle starts, so nobody can arrange it.
For circle leads
Run a circle for your people, without being the collector
Start a circle for your colleagues, family or church group. You decide who gets a seat. PackAjo handles the money.
- Approve who joinsPeople ask for a seat; you accept or decline, with a reason if you like.
- Invite with a linkSend an invite by phone, email or a link, even to friends who aren’t on PackAjo yet.
- Earn 5% of every contributionHalf of the circle fee is yours for running it. Withdraw it to your bank whenever you like.
- See every roundWho has paid, who is next, and when the pot goes out.
FAQ
Questions, answered
The things people ask before they trust a circle with their money.
What is an ajo?
A savings circle. A group agrees an amount, everyone puts it in each round, and each round one member takes the whole pot. After everyone has had a turn, the circle ends. PackAjo (or esusu) has worked in Nigeria for generations. We take away the collector and the chasing.
How does the money leave my account?
You authorise a direct debit once, on your bank’s own page, through Paystack. On each round’s date PackAjo debits the contribution plus the circle fee. You get a reminder before every debit and a receipt after it. PackAjo only debits on your circle’s dates, and you can see every debit in the app.
When do I get paid?
Your turn is fixed when the circle starts, by a draw anyone in the circle can check. On your round, as soon as every member’s contribution is in, the full pot is sent to your bank account.
What if someone in my circle doesn’t pay?
PackAjo tries their main account, then their backup account, and retries over the following days. The round pays out only when it is fully funded, so your money is never used to cover someone else. Our team follows up on missed debits, so you don’t have to.
Why do you need my BVN?
To confirm you are who you say you are. Paystack checks that your BVN matches your bank account, and your name on PackAjo comes from that account. Your BVN is stored encrypted and can’t be used to move money.
Who checks my details?
Paystack matches your BVN with your bank in a few minutes; PackAjo’s own team reviews your two bank statements, usually within one business day. Everything is stored encrypted and never shared with other members.
How much does it cost?
A circle fee of 10% of each contribution, shown before you join: ₦500 a round on Steady (₦50,000), ₦1,000 on Soft Life (₦100,000) and ₦10,000 on Chairman (₦1,000,000). It is added on top of your contribution, so the pot is always the full amount. Half goes to the member who leads your circle, for running it; half goes to PackAjo and covers payment processing.
Do circle leads get paid?
Yes. The member who starts and runs a circle earns 5% of every contribution in it, credited as each one lands. Leads see their earnings in the app and withdraw them to their own verified bank account whenever they like, once there is at least ₦1,000 to send.
Can I save with my friends?
Yes. Add friends on PackAjo or find them from your contacts, see which circles they are in, and invite them to yours. Every circle has its own group chat, with read receipts and replies, and the Community feed is where leads post open seats and members say what circle they are looking for.
Can I choose who is in my circle?
Yes. Whoever starts a circle is its lead. Anyone can ask to join a circle with a free seat, and the lead approves or declines. The lead can also invite people directly with a link, even friends who aren’t on PackAjo yet.
Your next pot is ten people away.
Download PackAjo, verify in a few minutes, and join a circle that fits how you earn: daily, weekly or monthly.
