Got Questions? We Have Answers.

AgroPocket is a digital agricultural savings and credit platform designed specifically for Nigerian farmers, cooperatives, and agribusinesses. We help you automate your individual or group savings, earn high interest, and access fair, harvest-aligned loans.

You can easily access AgroPocket from anywhere in Nigeria on any basic phone by dialing *347*88#. Our secure USSD channel lets you check balances, make cooperative payments, save, and apply for loans without any data or internet.

AgroPocket has zero hidden maintenance fees, zero account opening fees, and zero card management fees. We keep our fees completely transparent and as low as possible to support the local food system.

AgroPocket digitizes traditional Esusu contribution circles. A group administrator sets up the group, adds verified member phone numbers, and defines contribution terms (daily, weekly, monthly). Members save directly, check the ledger in real-time, and payouts are distributed automatically based on the cycle calendar.

We offer up to 15% annual interest on our Harvest Lock (Fixed Deposit) plans, 12% on Cooperative Esusu savings, and 10% on Personal Target plans. Interest is calculated daily and credited directly to your active wallets.

No! There is no minimum savings amount or opening balance. You can start saving with as little as ₦100 to build your financial standing and loan limits.

To qualify for our seed and input loans, you must be a registered member of AgroPocket and have a verified profile (including BVN verification). Active savings history or being part of an approved, active agricultural cooperative group dramatically improves your loan approval odds.

Our interest rates range from 1.2% to 2.0% monthly depending on the loan type (seed input, machinery lease, cooperative, trade finance). Terms range from 3 to 18 months, with repayment calendars aligned with your actual crop harvest cycles.

No physical property or heavy land collateral is required for smallholder input loans (up to ₦300,000). Instead, we utilize peer-to-peer co-guarantees through cooperatives, active savings records, and digital farm validation.

Absolutely. All user funds and deposits are securely managed by our banking partner, Safe Haven Microfinance Bank, which is licensed by the Central Bank of Nigeria (CBN). Deposits are fully insured by the Nigeria Deposit Insurance Corporation (NDIC).

In compliance with CBN (Central Bank of Nigeria) guidelines, BVN verification is mandatory to prevent identity theft, fraudulent activities, and money laundering. Your BVN does not give us access to your bank account; it simply validates your real identity.