How can we help?
Find answers below or reach out to our support team.
Email Support
support@ojacircle.com
We typically respond within 24 hours
Privacy & Data
privacy@ojacircle.com
Data requests, privacy concerns, DPO enquiries
Frequently Asked Questions
How do I create a savings circle?
Tap the "Create" button on the Circles screen, set the contribution amount and how often members contribute, choose your payout rotation order, and invite your members. OjaCircle runs rotating payout circles (ajo / esusu): each period every member contributes and one member receives the whole pool, rotating until everyone has had a turn.
How do I deposit money into my wallet?
Go to your Home screen and tap Deposit. You can fund your wallet via bank transfer (Flutterwave) for NGN or card payment (Stripe) for international currencies.
How do contributions work?
Contributions are made from your OjaCircle wallet. When a contribution is due, tap Contribute on your circle and confirm with your transaction PIN. You'll receive a notification when it's time to pay.
How do payouts work in rotating circles?
In a rotating payouts circle, all members contribute each period and one member receives the full pool. The rotation order is set by the circle organiser and visible in the Rotation tab.
What is a Trust Score?
Your Trust Score reflects your reliability within OjaCircle. It increases when you make on-time contributions and complete circles. A higher score unlocks higher contribution limits and access to more circles.
How do I verify my identity?
Go to Profile > Verification. Standard verification (Level 1) requires your phone number. Enhanced verification (Level 2) requires a government-issued ID. Verification unlocks higher limits and access to verified circles.
What currencies are supported?
OjaCircle supports NGN (Nigerian Naira), USD (US Dollar), GBP (British Pound), KES (Kenyan Shilling), GHS (Ghanaian Cedi), and ZAR (South African Rand).
How do I withdraw money?
Go to your wallet and tap Withdraw. Add your bank account details, enter the amount, and confirm with your PIN. Withdrawals are processed within 1-3 business days depending on your currency and bank.
What happens if I miss a contribution?
Late contributions may incur a grace period fee set by the circle organiser. Consistently missing contributions will lower your Trust Score. If you anticipate difficulty paying, communicate with your circle members early.
How do I delete my account?
You can request account deletion from Profile > Settings in the app, or visit our account deletion page. Your data will be removed within 90 days in accordance with our privacy policy.