Smart savings for your inner circle.
Modernising the tradition of rotating savings — Njangi, Isusu, Tontine, ROSCA. Secure, transparent, and built for the people you actually trust.
Coming soon
Joined the diaspora network
Circles worldwideNjangi contribution
£1,000GBP
London
Next payout
Oct 24 · Sarah K.
Cycle complete
12 members paid
12k+
Members saving together
Real people. Real circles. Real money moving.
Njangi, Isusu and Tontine have always been about people you trust. NjangiMe keeps that culture intact — we just take away the notebooks, the group chats and the guesswork.
- Families and friends saving side by side
- Everyone sees the same numbers, always
- Your turn arrives on time, every cycle
How it works
Three steps to a stress-free Njangi.
Create your circle
Set the contribution amount, frequency, and number of seats. Invite trusted members by email — no public discovery, ever.
Members pay their contribution
Card payments or bank transfer, securely processed. Funds move directly between members — NjangiMe never touches the money.
Automatic rotation & payout
Each cycle, the next member in the picking order receives the pot. We notify everyone and track every payment.
Built for trust
Everything your circle needs. Nothing it doesn't.
A focused toolkit for Njangis, Isusus and Tontines — designed for the way real groups already save together.
Open Banking that reconciles itself
Connect the circle account once through TrueLayer, our FCA-authorised Open Banking provider, and incoming transfers are matched to contributions automatically — no ticking off a list. Read-only, so nothing can leave the account. Covers UK and European banks; everywhere else, import a statement and it reconciles the same way.
Auto rotation engine
Picking order, mid-cycle joins and cycle restarts handled for you.
Smart reminders
Email and push nudges so nobody forgets a contribution day.
Risk insights
Spot late patterns and risky behaviour before they hurt the circle.
Invite-only by design
Nobody joins without an invitation from an admin, and every account is email-verified. Your circle stays the people you actually chose.
We never hold funds
Money moves directly between members. We provide the rails — you keep control.
What circles say
Members and whole circles on running their savings with NjangiMe.
“I didn't know we needed to automate this and take the load off the admin. It isn't just about transfers — we needed real visibility, and our njangi running on autopilot unless someone actually has to step in.”
John Ebune
Njangi admin
“I really like the bank feeds for reporting. It's genuinely valuable for members to have several ways to pay, card and bank transfer both. We have a big group, so I love that we already know who is picking next because the admin has set it.”
Manyi Agbor
Circle member
“Our paluwagan lived in a notebook and a group chat. Having every contribution and every payout in one place, where the whole group can see it, has taken the arguments out of it.”
Maricel Santos
Paluwagan organiser
“I was introduced to this concept by African friends, and the app makes it so easy to understand and manage because of the automation. I'd encourage far more people around the world to explore this as a savings strategy.”
Tom Whitfield
Circle member
“Isusu is not new, but modernising it is incredible. Your group can grow to unlimited heights with an app like this, and saving can be weekly once the group gets bigger.”
Tolu Adeyinka
Isusu admin
“The reminders alone changed our chama. I'm not chasing people before every cycle any more — everyone can see what is due and what has already been paid.”
Wanjiru Kamau
Chama admin
Rotating savings is practised on every continent — it just goes by a different name.
Around a billion people save this way. Same idea everywhere: a trusted group contributes on a schedule and each member takes a turn collecting the pot.
Isusu
Nigeria & West Africa
Njangi
Cameroon
Tontine
Francophone Africa
Likelemba
DR Congo
Ajo & Esusu
Nigeria
Chamas
Kenya
Stokvels
South Africa
Chit funds
India
Paluwagan
The Philippines
Hui
China & Chinese communities
Tandas
Mexico & Mexican-American communities
Cuchubal
Guatemala
Pasanaku
Bolivia
Pricing
One simple plan per circle.
Admins pay one subscription on behalf of the whole group. Cancel any time.
Free trial
Every new circle
No card needed to start
- Full platform, no limits
- Invite your whole circle
- Contributions & payouts
- Cancel before it renews
Small circle
Up to 10 members
≈ £9 · €11 · billed in USD
- Unlimited contributions
- Email & push reminders
- Open Banking feed
- Card & bank transfer
Growing circle
Up to 30 members
≈ £19 · €23 · billed in USD
- Everything in Small
- Risk insights
- Picking-day broadcasts
- Priority support
Large community
30+ members
≈ £0.95 · €1.15 · billed in USD
- Everything in Growing
- Annual billing option
- Branded invitations
- Dedicated onboarding
FAQ
Common questions
Does NjangiMe hold my money?+
No. Payments go directly between members through a secure payment processor. We provide the tracking, automation and visibility layer — never the wallet.
Who can join my circle?+
Only people you invite by email. Circles are strictly invite-only and there is no public discovery.
What happens if someone misses a contribution?+
We flag late and missed contributions, send reminders, and surface risk signals to the admin. You stay in control of how to handle it.
Can I see the group's bank activity?+
Yes — the circle admin connects the group account through TrueLayer, our FCA-authorised Open Banking provider, and every member then sees the balance and transactions read-only. NjangiMe can never move money out of that account.
Bring your circle into the modern era.
Set up your first NjangiMe group in under five minutes. Invite your members and let the rotation run itself.