Digitizing the Bank
of the Unbanked.

Toju offers financial services to the last mile user using a fusion of trusted informal financial service practices and technology.

12K Active Users

Your journey to financial
freedom starts here

Flexible access to financial services built to suit your individual needs. Everyone can Bank like
a pro . Send, Receive and Save from anywhere using TOJU.

Built For Everyone.

Join over 30,000 business owners who use TOJU Via USSD, MObile or Agent PayPoint.

Why Use


Earn 5-15% on your savings, set savings
goals, enjoy automated savings, and
lock in your savings.


We understand the importance of convenience and proximity when it comes to managing your finances. That's why our agents are always closeby to help you.


Ensuring the security of your account is our top priority. We partner with fully licensed and insured financial institutions to provide a regulated service. Our payment processors meet the industry standards of PADSS and PCIDSS compliance for added protection.

Financial Statements

Your daily savings transactions history is now as good as a bank statement recognised and accepted by all financial and non financial institutions.


Help the underbanked in your community cultivate healthier saving habits.

Get Access to More Customers

As a Toju agent, you can access other customers outside your reach and network. When they save with you, they can also patronize your local business. It’s a win-win

Increased Earning Potential

Provide robust banking services to your immediate environment and earn extra income doing that.


Spend. Save
money to survive.

* You can also use USSD code ( *USSD*)