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About Ajo Pay

Transform your savings habits with Ajo - the modern way to save money with friends, family, and community members. KEY FEATURES: GROUP SAVINGS • Create or join savings groups (Ajo circles) • Set flexible contribution schedules • Automated payout rotations • Track group progress in real-time SMART TRACKING • Monitor your savings goals • View contribution history • Get payment reminders • Real-time balance updates COMMUNITY DRIVEN • Connect with trusted members • Transparent group management • Secure peer-to-peer savings • Build financial accountability SECURE & RELIABLE • Bank-level security • Encrypted transactions • Verified user profiles • Safe money management Whether you're saving for a vacation, emergency fund, or major purchase, Ajo makes it easy to stay committed and reach your goals faster through the power of community savings. Join thousands of users who have already discovered the traditional African savings method reimagined for the digital age. Download Ajo today and start building better financial habits with your community!

What’s new

Version 1.1 · Updated April 9, 2026

• Fixed OTP issues causing delays, failures, and login errors • Improved OTP delivery speed and reliability • Added proper sender identification for better trust and security • Fixed international phone number handling • Resolved issues affecting UK and Canada users during signup • Fixed deposit and payment flow issues • Improved transaction feedback and confirmation handling • Resolved multiple unresponsive buttons and actions • Fixed invite link functionality • Fixed profile image upload issues • Improved onboarding experience with clearer guidance • Added better in-app feedback and error handling • General bug fixes and performance improvements

App privacy

The developer, Ajo Pay LLC, reported these privacy practices to Apple.

Data Linked to You

The following data, which may be collected and linked to your identity, may be used for the following purposes:

  • Contact Info: Email Address, Name, Phone Number
  • Usage Data: Product Interaction
  • Financial Info: Payment Info, Credit Info
  • User Content: Emails or Text Messages, Photos or Videos, Customer Support
  • Diagnostics: Other Diagnostic Data

Used for: Analytics, App Functionality

Data Not Linked to You

The following data, which may be collected but is not linked to your identity, may be used for the following purposes:

  • Diagnostics: Crash Data, Performance Data

Used for: App Functionality

Alternatives to Ajo Pay

Looking for apps like Ajo Pay? Here are 6 similar apps on the App Store. The highest rated is Cowrywise: Save & Invest Money (4.6/5), and all 6 are free to download.

Ajo Pay vs. alternatives
App Rating Price Last updated Compare
Ajo Pay 5.0 / 5 (1 rating) Free April 9, 2026
Borrow Money Fast - Loan Calc 4.5 / 5 (581) Free Oct 14, 2026 Compare
Carbon: Mobile Banking & Loans 4.5 / 5 (10,254) Free Oct 7, 2026 Compare
Cowrywise: Save & Invest Money 4.6 / 5 (13,517) Free Oct 21, 2026 Compare
eLendly 2.7 / 5 (106) Free Apr 8, 2024 Compare
Grey: Inclusive Global Banking 4.6 / 5 (5,754) Free Oct 23, 2026 Compare
FairMoney: Save, Spend, Credit 4.6 / 5 (14,508) Free Oct 22, 2026 Compare

Compare Ajo Pay with the top alternatives: ratings, updates, ASO score and keyword gaps →