Djamo
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One pocket for every goal

Set money aside, goal by goal. Lock what you shouldn't touch, automate your deposits - and hit your targets almost without noticing.

+1,000,000people organize their money with Djamo

Goals
Set a target to hit
0 F
No deposit or withdrawal fees
Discipline
Lock the pocket to stay on track
100%
Mobile, in a few taps

Money organized, goals reached

Pockets are made for the projects that matter. No calculator, no interest, no detour.

One pocket per goal

Give each project a name. Your money stays tidy, never mixed with your day-to-day balance.

As many pockets as you have goals
A name, an icon, a target amount
Money stays separate from your main balance
One pocket per goal

Lock and automate

Lock a pocket until the date of your project, and set up an automatic deposit. You don't touch a thing.

Lock and automate

Cashback, straight into a pocket

Pick the pocket that gets your Djamo cashback. Your goal moves forward, without lifting a finger.

Cashback, straight into a pocket

Everything at a glance

Your pockets, their amounts, their progress: it's all readable in the app. No spreadsheet, no math.

Everything at a glance
How it works

A pocket, in 3 taps.

Create a pocket for your goal

Give it a name that speaks to you: "Holidays", "Tabaski", "Back to school", "March rent". Add an icon, and you're set in seconds.

Top it up at your pace

All at once or bit by bit, by hand or with an automatic deposit each month. Your Djamo Cashback can also land straight in a pocket.

Lock it in, and forget about it

For goals where temptation is strong, lock the pocket until the project date. You open it - the money is there, exactly as planned.

They hit their goals

What they say, unfiltered.

My holiday paid in 6 months

I created a "Saly Holiday" pocket and deposit 25,000 F into it every month, on autopilot. Six months later, the trip was paid. No stress, no touching the rest.

Aminata K.
Aminata K.

The Tabaski pocket became a reflex

Before, I struggled to set money aside for the sheep. Now I have a dedicated pocket, locked until the day before the holiday. The money doesn't mix with the rest, I always know where I stand.

Ibrahima D.
Ibrahima D.

Back-to-school, no surprises

I lock 30,000 F every month in my "Back to school" pocket. When September comes, everything's there for supplies and the kids' enrollment. No more last-minute scrambles.

Awa M.
Awa M.

Frequently asked questions

What is a Djamo pocket?
A pocket is a space inside your Djamo account dedicated to one goal. You give it a name - "Holidays", "Tabaski", "Back to school", "Rent" - and you put money in at your own pace. The money in a pocket stays separate from your day-to-day balance, so you don't spend it by accident.
How many pockets can I create?
As many as you want. One pocket per project, per month, per child, per trip… It's up to you to organize your money in a way that makes sense for you.
Are there any fees to use pockets?
No. Creating a pocket, depositing, withdrawing, locking or closing it: it's all free. No fees, no minimum amount.
Does the money in a pocket earn interest?
No. Pockets don't generate interest. They're there to organize your money by goal and help you reach your projects - not to grow it.
Can I withdraw money from a pocket anytime?
Yes, as long as the pocket isn't locked. One tap brings the money back to your main balance. If you chose to lock the pocket, your funds are available on the date you set.
How does locking a pocket work?
When you create the pocket, you can turn on the lock and pick a date. Until that date, the money stays inside, impossible to withdraw - even by you. Useful for goals where temptation is strong (Tabaski, holidays, back-to-school costs).
How do I set up an automatic deposit?
From your pocket, turn on "Automatic deposit". Pick an amount and a frequency (every week, every month, on the date of your choice). Djamo transfers the amount on its own, so you never have to think about it.
Is my money safe in a pocket?
Yes. The money in your pockets stays in your Djamo account, protected under the standards in force across UEMOA. Djamo operates in partnership with institutions regulated by the BCEAO.

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