Join a trusted savings circle with friends and family. Contribute together, receive your full pot — the way our grandmothers taught us.
Ajo. Esusu. Susu. Pardner. Different names, same beautiful idea — our communities have always known that saving together is smarter than saving alone.
AjoCircle brings this ancient practice online. Create a circle with people you trust, set the contribution amount and frequency, and everyone gets the full pot on their turn. No fees. No paperwork. No chasing people on WhatsApp.
0%
fees during beta
Stripe
payments & ID verification
3-step
dispute resolution built in
Phone
verified members only
Invite trusted friends and family. Set the contribution amount, frequency, and payout order. Everyone gets phone-verified before joining.
Pay your contribution via card when it's due. Stripe handles everything securely. Automatic reminders keep everyone on track.
When it's your turn, the full amount transfers directly to your bank account via Stripe. No deductions. No delays.
Everything we built, we built to earn your confidence.
All payments encrypted and processed by Stripe. Your data is never sold.
We're currently in beta. AjoCircle is completely free to use while we're getting started. No fees, no surprises — what you put in is exactly what you get out.
Industry-leading payment infrastructure used by millions of businesses.
Every member verifies their mobile number before joining any circle.
Three-step mediation: direct, circle admin, then AjoCircle support.
See every contribution, every payout, every round — in real time.
Save smarter with people across the UK — the way our communities have always known how.
Create your circle — freeNo credit card required · Phone verified · Cancel anytime