Your cooperative.
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Three balances, three purposes

Available cooperative wallet

Money available to you with the selected cooperative. You can move this money into your savings or investment plan.

Savings

Your savings recorded with the cooperative, including contributions, any interest credited by the society and applicable charges.

Investment

Your investment balance recorded with the cooperative, including contributions, credited returns and applicable charges.

These balances are shown separately. Moving money from your wallet into a plan reduces your available wallet and increases that plan balance.

For members

Get started with your society

1. Ask your cooperative to add you, or apply through the membership link they share.
2. If you applied, wait for the cooperative to review your application and complete your membership.
3. Open Member login and sign in using your registered email or phone and password. You can also use a phone verification code.
4. Review your available wallet, savings and investment balances.

Your membership includes savings and investment plans starting at zero. If you belong to more than one cooperative, use the cooperative selector to choose which membership you are viewing.

Submitting an application does not itself create an active member account. Contact the society if you are waiting for access.

Add money to your cooperative wallet

1. Sign in and find Add money to your cooperative wallet.
2. Use the funding account details shown. If none are available, select a supported bank and request an account, or ask your cooperative for help.
3. Copy or share the details, then make a bank transfer to that account.
4. Check your wallet and history for confirmation before moving the money into a plan.

Always confirm the account name and number before transferring. Funding accounts are linked to your membership with the selected cooperative. Fees depend on the cooperative’s settings; your credited amount may differ from the transfer amount.

If a transfer is missing, keep the bank receipt and reference. Contact your cooperative instead of repeating the transfer.

Move money into savings or investment

1. Make sure your available cooperative wallet has enough money.
2. Open Add money to savings or investment.
3. Choose the correct plan and enter the amount.
4. Read and confirm the wallet-debit authorisation, then submit.
5. Check the updated wallet, plan balance and financial history.

A contribution moves money already available in your cooperative wallet. Creating a plan does not add money. For withdrawals, maturity or access to invested funds, contact your cooperative about its terms and process.

If you paid cash to a treasurer, ask the cooperative to record and confirm the contribution. A cash record is not an available bank-wallet deposit.

View a transaction or share a receipt

Select a transaction reference in your history to open its details. You can see the amount, previous balance, new balance, date, reference and any correction recorded against it.

Choose Print / Save PDF to print the receipt or save it as a PDF using your browser’s print options. Choose Share receipt to use your device’s share menu. Where sharing is not supported, the receipt text can be copied for you to paste into a message.

Cooperative staff can open receipts from the business dashboard, member financial summary and business wallet history. Keep shared receipts private: they contain member names and balance information.

Sign in or reset your password

For cooperative teams

Set up and manage your society

1. Choose your workspace and plan

Use Business login, complete any sign-in verification and choose the correct business. Open Subscriptions to review your plan and available capacity.

2. Complete portal setup

Review the business details, add your society’s introduction, configure fees and product terms, enter your rules, and set up your membership application link. Publish when all four steps are complete. Published information is shown to members.

The setup menu is hidden after completion and publication. You can revisit Portal setup to make changes, or find product settings under Members → More options.

3. Add your members

Open Members → Add member. Search by email or phone first, review any existing details and confirm that the person agreed to join. For a new member, enter their first and last names and phone. Email is optional.

Use Bulk upload for a larger directory. Download the sample template, keep the required headings and review the results for each row. If an upload is interrupted, use its resume option and inspect the results before starting again.

4. Share your joining link

Open Members → Member applications to configure and share your custom link. Review applicants and complete member creation or enrolment after approval.

5. Help members use their accounts

Open a member’s Profile & accounts to view or request funding account details. Use Financial summary for their plan balances and history. If an identity conflict appears, contact support rather than creating another record with different contact details.

Apply for and repay a cooperative loan

For members

1. Open My loans from your member dashboard and select Apply for a loan.
2. Enter the amount, number of weekly or monthly repayments and purpose. Nominate another active member, or an outside guarantor with a real email and phone.
3. After the cooperative approves an offer, review the annual rate, interest method, total repayment and schedule. Accept the terms yourself. Automatic wallet collections require a separate optional authorisation.
4. Your guarantor must accept. Outside guarantors receive a private email link, and the cooperative verifies their identity before release.
5. Once authorised staff disburse the loan, the principal appears in your available cooperative wallet and the repayment dates start.
6. Repay from your cooperative wallet through My loans. If you authorised scheduled collections, due amounts may be collected automatically, including partial available funds. You can revoke future collection consent; outstanding debt remains payable.

Flat interest uses the original principal. Reducing interest uses the declining scheduled principal. The total is fixed at approval; early repayment does not automatically waive future interest. No automatic late penalty is added.

For guarantors

Members review requests under My loans → Guarantee requests. Outside guarantors use their private invitation link. Read the amount, rate and total liability before accepting or declining. Acceptance does not authorise automatic deductions from the guarantor’s wallet.

For authorised staff

Use Loans to review applications, approve terms or decline with a reason. Only admins can approve and disburse. Confirm borrower acceptance, guarantor consent and any outside identity checks before release. Admins and operations staff can collect due amounts only with the borrower’s authorisation, or record a repayment actually received in cash with its receipt reference.

Cash repayments reduce the recorded loan but do not add money to a bank wallet. Automatic collections depend on the cooperative’s scheduled collection service being active.

Ajo: contribute together and pack in turn

Ajo groups use an agreed roster. Every contributor pays the same amount each week or month, and one scheduled member receives the pot, less any agreed collector fee, in their cooperative wallet per round.

For contributors

1. Open My Ajo groups from your member dashboard.
2. Review the contribution amount, full payout roster, your packing date, collector fee and net payout. Accept the terms before the cooperative starts the cycle.
3. Fund your cooperative wallet, then authorise your contribution for the current round.
4. Follow the contribution record and roster. Continue contributing after you pack, until all members have received their turn.

The person packing also contributes that round. Staff approve payout only after everyone has paid and the scheduled date arrives. Missed contributions delay payout; receiving a pot is not guaranteed if other members fail to contribute. Owners/admins can set no fee, a fixed NGN fee, or a percentage fee per payout. The fee is deducted from each collected pot and retained by the cooperative business; contributors pay their agreed contribution amount. Percentage fees are rounded to the nearest kobo. No fee is taken until a payout succeeds, and no automatic wallet deductions apply.

For example, 10 members contributing NGN 10,000 each make a gross pot of NGN 100,000. With an agreed 2% fee, the cooperative retains NGN 2,000 and the scheduled recipient receives NGN 98,000.

For cooperative teams

Owners/admins open Ajo thrift groups, choose 2–100 active members in payout order, set a weekly/monthly contribution, first payout date and collector fee, then create the roster. Review the gross pot, fee and recipient’s net payout before saving. Start only after every contributor accepts. Review each fully funded, due round and approve its wallet payout.

Roster, contribution amount, fees and dates stay fixed. To change fees, cancel an unfunded draft and create a new cycle for members to accept. A started cycle cannot be cancelled or refunded through the portal. Keep the cooperative business wallet funded for member balances and held pots.

Interest, returns and charges

Your society decides whether it offers savings interest or investment returns, and sets its annual rates, charges and terms. Published terms appear in the member dashboard.

An earnings estimate assumes the current balance and annual rate remain unchanged and uses simple interest before charges. It is an illustration, not money already credited.

For authorised staff

Admins and operations staff can open a member’s Financial summary → Interest and charges. Select a plan, choose the adjustment, enter the NGN amount, provide the reason and period, confirm authorisation and submit.

Interest and returns are applied manually. Charges reduce the selected plan balance and cannot make it negative. Entries retain a history; use a reversal to correct an error. Contact the member and follow your society’s disclosed terms before making adjustments.

Plans that grow with your cooperative

Free onboarding is available once per eligible business and cannot be renewed. Suspended members still count towards capacity.

Paid plans charge the business wallet and renew monthly. If there are insufficient funds at renewal, paid features expire while balances and history remain visible. Fund the business wallet and subscribe again to restore access.

An upgrade charges the full fee and starts a new term; unused time is not currently refunded. Review the terms before confirming a purchase.

Need a hand?

Members: contact your cooperative first for membership approval, contributions, rates, charges, missing transfers or withdrawals.

Cooperative teams: contact [email protected] for platform assistance.

Include the page name, error code, time, amount and transaction reference where relevant. Mask sensitive details in screenshots. Never include a password, PIN or verification code.

If a request times out or says its result is unconfirmed, check the balance and history before retrying. Keep the original reference; avoid submitting another payment until the outcome is known.