AjoCard Logo

Send, receive and make instant bill payments from your neighbourhood kiosk.

Deposit, withdraw and pay your utility bills through our online and offline channels

Become a Personal Banker

nokia phone

Simple payment solutions for everyone.



USSD code on text-only phone


USSD, In-app transfers & utility bill payments

AjoCard app on Android phone


Cash deposits and withdrawals, transfers and utility bill payments

AjoCard mPOS

Download Ajocard app

Simple investment with great returns

Excellent Customer Support

With AjoCard, you can be assured of prompt and efficient assistance from our support team whenever you need it. Whether you're a Personal Banker or a customer, you can count on support from multiple channels to always help you with any issues or concerns you may have.

99% Network Up-Time

With an impressive 99% networking up-time, AjoCard is the perfect solution for your payment needs. You can trust that your transactions will be processed seamlessly and without any disruptions, because we ensure reliable and efficient payments with our unbeatable networking up-time.

Fraud Proof

We use the best technology to protect your transactions and keep your personal and financial information safe from unauthorized access. Our secure PINs are designed to stay ahead of emerging threats to your finances

Affordable Rates

Make cash deposits, withdrawals and transfers to any other AjoCard user, and pay utility bills for free! Also transfer to other bank accounts for lower than the traditional bank rates.

Payment for Everyone

With a mPOS device, or no device at all, you can still deposit and withdraw cash, transfer funds, and pay utility bills with AjoCard.

Faster Transactions

Now, you can complete your transactions quickly and efficiently with our lightning-fast transaction times on all transfers, especially with our closed-loop Ajo wallet to Ajo wallet transfers. Let’s save you time and make your banking experience hassle-free with our payments.

Frequently asked questions?.

Can't find the answer to your question? Reach us

More FAQs
AjoCard LogoBanking for everyone
Copyright 2024 AjoCard
AjoCard Limited [RC NO. 7256303] is a fintech solutions firm licensed by CBN