Frequently Asked Questions (FAQs)

Aella Care is a health insurance product by Aella in partnership with Hygeia HMO that offers a comprehensive and affordable micro-health insurance service.

Hygeia HMO is a leading health insurance company that offers comprehensive health insurance services to individuals and families as well as SMEs and large corporate organizations.

Anyone who has the Aella App on their Android or IOS device and a valid BVN.

Aella Care has four (4) different plans you can subscribe to with varying costs. You can view our pricing here: https://aellaapp.com/insurance#pricing

Download the Aella App

Create your account

Fill in all required fields with valid and appropriate information

Click the “Check Eligibility” button to see how much you are eligible to borrow

Apply for loan that works for you

Receive funds in your Aella Wallet

The whole process can be completed in 5 minutes. Once your application has been completed and you accept the loan offer provided, your information will be reviewed and the decision on the loan will typically be made within minutes. If approved, funds will be received in 5 minutes of the process being completed

Our loan size ranges from about ?1,500 to ?1,000,000. Your loan offer is determined by a variety of factors, so please ensure that you use your personal mobile device and provide the appropriate details to receive the best possible loan offer. Loan tenors vary per individual but are usually within a month or 3 months repayment period.

Your BVN is requested to verify your ownership of the account information supplied. This is to ensure that your details cannot be used to apply for a loan by someone else. We understand that this is very sensitive information and as such your BVN does not provide access to your account. If you have further concerns, kindly contact your bank before you proceed.

Fund your wallet

Click on the Buy Airtime on the Home Page

Select network for a new purchase

Select the desired airtime amount and enter phone number

Click on Buy Airtime

Fund your wallet with the intended amount

Click on the Transfer Money menu

Complete the fields by inserting the amount, account number, desired bank name and click on ‘Find this account’

Verify the transfer summary and click on ‘Send Money’

Fund your wallet

Click on the Bills Payments menu

Select the billers category and select the biller

Complete the fields by inserting the Select service type, amount and customer ID

Click on Proceed

Buy airtime – All at face value. No additional charges

Pay bill – All at face value. No additional charges

Send Money – A transfer fee is charged for each successful transaction

Receive Money– At no cost to the recipient

This is an e-wallet which allows you to store value on Aella App to perform all your financial transactions and earn interests, discounts and rewards for use.

If all necessary KYC verification checks have been performed, you will be able to perform transactions of up to ?1m daily on Aella App.

You can add money in your Aella Wallet any time by clicking the ‘Fund Wallet’ button and selecting a funding method in the app.

Funds in your wallet earn interest. On a daily basis Aella App pays interests to customers’ wallets and on a monthly basis the interest accrued is made available for customers to transact with on the App.

This may be due to a number of reasons:

You have insufficient funds in your account. Please ensure you have sufficient balance before linking the card. You haven’t activated your card for online transactions. For card activation instructions, please contact your bank. Details entered may be incorrect: please check the card number, expiry date and CVV2 provided to be sure all information is valid. If you still have issues with setup, please send us a message in the app and we’ll be happy to assist.

Your card CVV2 is the 3-digits number written at the back of your card, and your MM and YYYY is the month and year of expiration on your card.

We ask for card details in order to load your wallet to finance transactions on the Aella App. Card details are also required to receive your loan repayments on your due date. We understand that this is very sensitive information, so not to worry, we have your data highly protected.

Credit bureaus are agencies that provide information on individuals’ borrowing habits and financial patterns. They typically work with financial institutions and other creditors to collate this data, and your performance on previous reported accounts impact your ability to obtain loans or other financial services in future

Our agreements are highly classified and kept confidential. We assure you of your utmost privacy when you provide us with your information.

Please use the “Settings” on your app menu to log out of your current device or unlink your account from your current device.

When you sign up on our service, you should receive an email and an SMS link from us to the mobile number you provided. Please enter the code received to verify your number and successfully register on the platform. If you are certain that you did not receive a message, please ensure that your provided number is switched on and is in an area with good network service to receive the SMS. Please note that a data connection is required in order to validate your phone number. You can also click ‘Resend Code’ if you didn’t receive the code after following the steps mentioned.