Savings
Every naira you save works a little harder.
Four ways to save, from a daily contribution at your stall to a fixed deposit that earns more. All with example rates written down before you start.
- No monthly fees
- SMS alerts
- Agent deposits
Accounts
Choose how you save.
6% a year
Example rate for this demo.
Harvest Savings
Everyday account for takings and household money. Free debit card, no monthly fee, withdraw at any branch or agent.
- Open with ₦1,000
- Free debit card
- SMS alerts on every transaction
8% a year
Example rate for this demo.
Daily Ajo Plus
Daily contributions collected at your stall by a Harvestfield agent, with an SMS receipt each time.
- From ₦500 a day
- Cycles of 1, 3 or 6 months
- Builds your loan history
12% to 14% a year
Example rate for this demo.
Fixed deposit
Lock away money you will not need for 90 or 180 days and earn a higher example rate.
- From ₦100,000
- 90 days at 12%, 180 days at 14%
- Interest paid at maturity
7% a year
Example rate for this demo.
School fees saver
Save towards the next term. Withdraw only in fee months: January, April and September.
- From ₦5,000 a month
- Locked except in fee months
- Statement for the school
Savings goal planner
How long until you get there?
A shop deposit, a new freezer, school fees or a wedding. Tell us the goal and how much you can put aside, and the planner shows how many weeks it takes with Ajo Plus.
Example: Ajo Plus at 8% a year. Example rates for this demo.
Compare
Side by side.
| Account | Example rate | Minimum | Withdrawals | Best for |
|---|---|---|---|---|
| Harvest Savings | 6% a year | ₦1,000 | Any time | Daily takings |
| Daily Ajo Plus | 8% a year | ₦500 a day | End of cycle | Building a habit and a loan history |
| Fixed deposit | 12% to 14% a year | ₦100,000 | At maturity | Money you will not touch |
| School fees saver | 7% a year | ₦5,000 a month | Fee months only | Parents |
Example rates for this demo, not an offer. Rates can change.
Banking from your phone
USSD, app and SMS.
Check your balance, move money to your Ajo Plus and pay school fees from any phone, even without data. Dial the example code *000*12# or use the Harvestfield app.
- Works on every network
- Balance and mini statement
- Transfers to any Nigerian bank
- Block your card instantly
Questions
Questions people ask
Yes. Many customers keep Harvest Savings for daily use and an Ajo Plus or school fees saver alongside it.
Nothing bad. Contributions are flexible. You simply reach your goal a little later.
Yes, but you lose part of the interest. The exact amount is shown on your fixed deposit certificate.
Walk in with your BVN. Walk out with an account.
Bring a valid ID, your BVN and a utility bill. Most accounts open in under twenty minutes at any branch, or an agent can open one for you at your shop.