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Getting Started

Famly is a digital cooperative  platform that helps Nigerians save more, buy smarter, and pay bills easier. We combine individual and group savings, group buying deals, bill payments, Buy Now Pay Later for utilities, and referral rewards — all in one app, built on cooperative principles rooted in the ajo and thrift tradition. 

Contributions

When you contribute to Famly, your money is automatically split 60:40: 

  • 60% goes to your Available Contributions Balance, you can withdraw this at any time 
  • 40% goes to your Locked Contributions Balance, which is pooled together for a profitable venture/scheme. 

The split gives you flexibility for everyday needs while building long-term wealth through collective investment. Returns on the Locked Contributions Balance are paid out as dividends to all contributing members at the end of the financial year. 

Individual Target Savings

Individual Target Savings (also called FamTarget) lets you save towards a personal financial goal, contribute any amount at your chosen frequency, and track your progress in real time. Whether it is rent, a new phone, school fees, or a holiday — give your money a name and a deadline. 

Group Target Savings

Group Target Savings lets you save together with friends, family, or colleagues towards a shared goal — a wedding, Eid celebration, family reunion, pilgrimage, or any shared financial target. One member creates the group, sets the goal, and invites others to contribute. Everyone can track collective progress in real time. 

FamLock Savings

FamLock is a fixed savings plan that lets you lock away surplus funds for a set period and earn returns at maturity. If you have money you do not need in the short term, FamLock puts it to work instead of leaving it sitting idle. 

Referral Programme

You receive a unique referral link to share with friends. When someone signs up using your link, completes identity verification, pays the ₦2,000 membership fee, and makes their first contribution (minimum ₦5,000), you earn ₦90 commission and your friend receives a ₦40 welcome bonus. 

Bill Payments

You can pay: 

  • Airtime — MTN, Glo, Airtel, 9mobile
  • Data bundles — all networks 
  • Electricity — AEDC, EKEDC, and other distribution companies
  • Cable TV — DSTV, GOtv, Startimes, ShowMAX 

Buy Now, Pay Later (BNPL)

Buy Now Pay Later (BNPL) is a feature for active contributing members that allows you to pay for essential utilities — airtime, data, electricity, and cable TV — when your wallet balance is insufficient. Famly covers the payment immediately on your behalf, and the amount is recovered from your subsequent contributions automatically. You do not need to apply or request it — it appears as an option within the bill payment flow when your balance is too low. 

Group Deals

Group Deals let members buy products collectively at discounted prices. When enough members join a deal, everyone gets the product at a lower cost than buying individually. Deals include foodstuffs, household appliances, electronics, and other items.

Payment & Security

  • Debit and credit cards (Visa, Mastercard, Verve)
  • Bank transfer (instant account number generated)
  • Wallet balance (if you have available funds)

Technical Questions

Yes. Your account works across all platforms. You can start on Android, continue on your laptop (web), and check on iOS. Everything syncs automatically. However, you can only use one device at a time 

Support & Help

Contact us immediately: 

PHONE: +234 810 750 1060 (9am – 5pm, Monday to Friday, excluding public holidays)

EMAIL: info@famlycooperative.com

WHATSAPP: +234 810 750 1060.

IN-APP CHAT: Available 24/7

We will investigate and take action within 1 hour for security issues.

About Famly

Contact us immediately: 

  • Flexible savings with the 60:40 split — access today, invest for tomorrow
  • Group savings for collective goals
  • Group buying to save on purchases
  • Ethical finance based on transparency— no interest, profit-sharing instead
  • Buy Now Pay Later for utilities — a safety net for active members
  • Referral rewards for growing together
  • Bill payments with transparent fees
  • Honest, transparent operations

We will investigate and take action within 1 hour for security issues.