For pardner, susu, ajo and esusu groups in United Kingdom
Savings circles, kept honest.
Create your rotating savings circle, keep everyone’s payments on one shared record, and get your lump sum early. An organiser starts a group, members join, everyone pays in on schedule, and each round one member receives the pot.
Rotaro never holds your money. You pay each other directly.
Why a record
Today the book lives with one person. With Rotaro it lives with everyone.
- Who paid, who confirmedThe payer marks a payment and the person receiving it confirms. Only a confirmed payment counts, and nobody confirms their own.
- Nothing quietly changesEntries are never edited or deleted. A mistake is corrected with a new entry that names the one it corrects, for everyone to see.
- Rules agreed up frontWhat counts as late, what happens to a missed payment, who needs a guarantor: every member accepts the rules on joining, and the app applies them the same way to everyone.
- A deputy and a fair drawEvery group has a deputy who decides what the organiser cannot. The payout order is drawn where anyone can check it, or agreed by the members.
How it works
Four steps, every round
Start a group, invite your members, pay each other, confirm. The record does the rest.
Start a group
Give it any name you like. Set how much each member pays, how often (every week, every two weeks or every month), how many rounds, and the first due date. Choose how many days before a due date members are reminded, how long to wait before a payment counts as late, and whether the first payout slots need a guarantor.
In the app: Start a group, then Direct Rotation.
Invite people and name a deputy
Share an invitation link, or the group code (it looks like ROTA-4K7M). Someone who joins with a code asks to join, you approve, and they read the group's rules and accept before they are in. Every group needs a deputy: a member you trust who can step in for you, and who decides anything you cannot decide yourself.
In the app: Invite, then Choose a deputy.
Pay each other, and mark it
Each round, every member pays that round's recipient directly, by bank transfer, as you do today. Then they tap "I have paid". Paid for a relative or a friend? Say so, and both names go on the record.
In the app: I have paid, or I paid for someone else.
The recipient confirms
The member receiving the pot checks their bank and taps Confirm. Only a confirmed payment counts. Nobody confirms their own payment. If the recipient has not answered within the group's waiting time, the payment goes to the organiser to decide, or to the deputy when the organiser is the one receiving.
In the app: Confirm, or Report missing.
Who it’s for
Circles of every kind
Friends, families, market rows, congregations and colleagues. Four stories, and the journey for every role in a group.
Marcia runs a pardner
Ten friends and relatives, £100 a month, Birmingham.
Marcia has run her pardner for years. Everyone trusts her, and that is the problem: the book is hers, and every question comes to her.
Read their storyNigeriaChidi runs an ajo at the market
Twelve traders, ₦20,000 a week, Onitsha.
Chidi's ajo is how the traders on his row restock. Cash by hand works until there is a disagreement about which week was paid.
Read their storyUnited Kingdom and NigeriaA church welfare committee
Twenty members, monthly, one organiser and a deputy treasurer.
A circle run on behalf of a congregation or an association needs more than one pair of hands, and a record the whole committee trusts.
Read their storyUnited KingdomColleagues saving together
Eight people from the same ward, £50 a week; one joined late.
A circle at work moves fast and changes shape: someone joins late and wants an early slot, someone changes jobs and leaves.
Read their storyOrganiser, deputy, member, recipient, guarantor: each role’s journey
What it costs
Members pay Rotaro nothing
Members only pay each other, the amount the group agreed, and nothing is added on top. Small groups are free, with no time limit. A bigger group needs a plan, and only the organiser pays for it, on this website, for the software: the reminders, the tracking, the missed-payment rules and the rotation.
Rotaro in United Kingdom
Groups in GBP (£50 a week, for example). Groups in the United Kingdom are kept on Rotaro's servers for the United Kingdom, under UK data protection law.
Run your circle on one record
Start a group in minutes, or open the invitation your organiser sent you. Rotaro runs on the web today, on any phone or computer.