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If you are looking to grow your savings or start investing in Nigeria, the good news is that today’s digital landscape offers a wide array of apps to help you take control of your financial future. Are you wanting to build long-term wealth, achieve financial independence, or simply earn higher returns on your savings? There is a solution for you.

Nigeria’s saving and investing ecosystem has matured rapidly over the last decade. With mobile apps, global partnerships, and increased regulatory clarity, Nigerian investors now have access to investment opportunities both at home and abroad — often directly from their smartphones.

This guide will review seven of the best saving and investing apps in Nigeria in 2025. You will also learn about each of the platforms and what each platform offers, its pros and cons, and how it can fit into your financial strategy.

Are you interested in Nigerian stocks, U.S. stocks, mutual funds, treasury bills, real estate portfolios, or simply wanting to save in dollars and naira? This guide will help you make an informed choice.

What to Look For When Choosing Saving and Investing App

Before revealing the top 7 saving and investing apps, it is important to understand the key criteria to consider when choosing a saving or investing platform in Nigeria.

1. Regulatory Compliance and Licensing

Always choose Saving and Investing platforms that are

• Licensed by the Securities and Exchange Commission (SEC) in Nigeria, or affiliated with reputable international brokers regulated in their jurisdictions (for example, U.S. brokers regulated by the Securities and Exchange Commission or FINRA).

This ensures that your investments are protected by regulatory body and that the platform operates within the bounds of financial law.

2. Custody and Safety of Funds

When choosing investing apps, look for the one that, even when the platform goes out of business, your investments are held securely by a third-party custodian or broker. This separation between platform and custodian provides an additional layer of protection for your assets.

3. Currency Flexibility

Another thing to look for is the investment apps that will allow you to:

• Deposit funds in naira.
• Convert naira to U.S. dollars within the app (when investing in foreign assets)

These will avoid the need to open a domiciliary account, which simplifies the process. This currency flexibility is particularly valuable for Nigerian investors seeking to diversify into foreign markets.

4. Investment Options

Look for apps that match your personal investment goals. For example:

• Stocks (Nigerian, U.S., or both).
• Mutual funds and unit trusts.
• Treasury bills and commercial papers.
• Dollar savings accounts.
• Real estate portfolios.
• Fixed income products.

A well-diversified portfolio typically involves exposure to several of these asset classes.

5. User Experience and Customer Support

You should also look for a user-friendly app when choosing an investment platform, especially if you are new to investing. Consider a platform with:

• Intuitive interfaces.
• Transparent fee structures.
• Good customer service.

Good apps make it easy to fund your account, track your portfolio, and access support when needed.

See Also: Best Investment Opportunities in Nigeria

The Top 7 Saving and Investing Apps in Nigeria (2025)

Here are the investing and saving platforms that meet the above criteria, making them the best apps you should consider in 2025. They are:

1. AfriInvestor 2.0

Best for: Nigerian stocks, commercial paper, treasury bills

Are you serious about participating in Nigeria’s financial markets? AfriInvestor 2.0 is one of the apps you should consider in your list of saving and investing apps. Owned by Afrinvest, one of Nigeria’s most respected investment banks, AfriInvestor 2.0 is primarily designed for investors who want direct access to local investment opportunities across both equity and fixed-income markets.

The platform has evolved to meet the needs of modern investors while maintaining the depth and rigor of a traditional brokerage service. Are you an individual investor, a high-net-worth professional, or a corporate treasury manager? AfriInvestor 2.0 can offer an institutional-grade experience in a user-friendly format.

Key Features

1. Nigerian Equities: AfriInvestor 2.0 provides direct access to the Nigerian Exchange (NGX), allowing investors to buy and sell shares of publicly listed Nigerian companies. This is the best for those looking to participate in the growth of Nigeria’s top corporates across sectors such as

• Banking
• Telecommunications
• Industrial goods
• Consumer products
• Oil & gas

You can execute trades, track portfolio performance, and access corporate actions — all from within the platform.

2. Commercial Paper: The app gives users access to short-term debt instruments known as commercial papers. These are typically issued by blue-chip Nigerian corporations and can offer attractive yields for investors looking to optimize cash management or earn stable returns over short tenors (30 to 270 days).

Investing in commercial paper through a regulated platform like AfriInvestor 2.0 ensures transparency, proper risk assessment, and professional due diligence on issuers.

3. Treasury Bills: AfriInvestor 2.0 also enables users to invest in Nigerian Treasury Bills (T-bills)—government-backed securities considered one of the safest investments in Nigeria. Investors can choose T-bills based on their desired tenure and yield, making them an excellent tool for

• Capital preservation
• Liquidity management
• Short-term income generation

Pros

• Institutional credibility: Afrinvest is an established investment banking and wealth management firm with over 25 years of experience. Its ownership of AfriInvestor 2.0 brings an extra layer of trust and professionalism to the platform.
• Robust web platform: In addition to a mobile app, the platform offers a fully functional web-based portal, giving investors flexibility in how they manage their portfolios.
• Comprehensive market research: Investors using AfriInvestor 2.0 often benefit from Afrinvest’s in-depth market analysis, economic reports, and expert insights — critical tools for making informed decisions.
• Excellent customer service: The platform provides strong customer support, with responsive assistance for both individual investors and corporate clients.

Cons

• Occasional mobile app glitches: While the mobile app is continuously improving, some users report occasional glitches. The web version is often preferred for reliability and full functionality.

This investing and saving apps is Best for investors who want to

• Build a diversified portfolio of Nigerian stocks.
• Access high-yield commercial paper opportunities.
• Secure safe and predictable returns through treasury bills.
• Leverage the expertise and infrastructure of a top-tier Nigerian investment bank.

It is especially valuable for:

• Experienced investors who appreciate institutional-grade research and execution.
• Corporate treasurers and HNWI seeking safe and stable fixed-income instruments.
• Beginners ready to enter the Nigerian stock market in a trusted and regulated environment.

Download the AfriInvestor 2.0 investing and saving app here.

2. Optimus by Afrinvest

Best for: Multi-asset investing (U.S. stocks, mutual funds, savings)

Optimus is an all-in-one digital investing app also owned by Afrinvest. It caters to investors who want access to both local and international markets.

Key Features:

• U.S. stocks: Direct investment in U.S.-listed companies.
• Mutual funds: Wide selection of Nigerian and international mutual funds.
• Savings accounts: Save in both naira and U.S. dollars with competitive interest rates.
• Direct Dollar deposits: Unique ability to deposit U.S. dollars directly into your investment account.

Pros:

• Backed by one of Nigeria’s leading investment banks with over 25 years of market presence.
• Offers a true multi-currency, multi-asset investing experience.
• Highly competitive returns on dollar and naira savings.
• Strong regulatory compliance and transparent fee structure.

Cons:

• The app offers many features, so new users may experience a slight learning curve.

These app is best for: Investors seeking maximum flexibility and access to a wide range of both Nigerian and global assets through a single app.

Download the Optimus by afrinvest investing and saving app here

3. Bamboo

Best for: U.S. stocks, Nigerian stocks, dollar savings

Bamboo is a pioneer in cross-border investing for Nigerians. It started as a U.S. stock trading app and has since expanded into multiple asset classes.

Key Features:

• U.S. equities: Access fractional shares of companies listed on U.S. stock exchanges.
• Nigerian equities: Trade stocks listed on the Nigerian Exchange.
• Treasury bills: Invest in Nigerian treasury instruments.
• Dollar-denominated savings: Earn competitive yields on dollar deposits.

Pros:

• Intuitive and easy-to-use mobile app.
• Strong emphasis on financial education, with built-in resources for beginner investors.
• Partnership with DriveWealth, a regulated U.S. broker.
• Fast and seamless onboarding process.

Cons:

• Some U.S. stocks may occasionally be unavailable.
• Not as feature-rich as professional trading platforms for advanced investors.

Best for: Beginner to intermediate investors who want easy access to U.S. markets while maintaining some Nigerian exposure.

4. Cowrywise

Best for: Mutual funds and diversified saving options

Cowrywise is one of Nigeria’s most popular apps for automated saving and mutual fund investing.

Key Features:

• Save in naira or U.S. dollars.
• Invest in mutual funds managed by leading Nigerian asset managers (including IBTC, UBA, Afrinvest, and others).
• Access halal-compliant investments (Sharia-compliant options for Muslim investors).
• Flexible saving plans with goal-setting tools.

Pros:

• Wide selection of mutual funds across different asset classes.
• Highly competitive rates on both naira and dollar savings.
• Ideal for new investors — the app is extremely easy to use.
• Excellent educational resources on personal finance.

Cons:

• Limited to mutual funds — does not offer direct stock trading or alternative assets.

Best For: Investors looking to build a diversified portfolio through managed funds without the complexity of picking individual stocks.

5. PiggyVest

Best for: Simple saving in naira and dollars

PiggyVest is a revolutionary digital savings platform in Nigeria and remains a market leader in the space.

Key Features:

• Naira savings: Flexible and fixed-term savings with competitive interest.
• Dollar savings: Save and earn interest on dollar deposits.
• Target-based savings: Set specific savings goals (e.g., rent, vacation).
• Automated saving plans: Schedule periodic savings.

Pros:

• Very user-friendly — ideal for beginners.
• Offers bonus interest incentives from time to time.
• Proven track record of trust and transparency.
• Strong emphasis on financial literacy and community building.

Cons:

• Occasionally, dollar savings may be suspended during periods of currency market volatility.

Best For: Users focused on disciplined savings and achieving specific financial goals with a highly trusted platform.

6. Risevest

Best for: Global portfolios and passive investing

Risevest is another investing and saving app that provides curated global investment portfolios for Nigerians looking to diversify internationally.

Key Features:

• Real estate portfolios: Exposure to global real estate markets.
• U.S. stock portfolios: Professionally managed baskets of U.S. equities.
• Fixed-income portfolios: Stable returns through debt securities and bonds.

Pros:

• Offers automated investing for passive wealth building.
• Designed around specific financial goals (e.g., long-term growth, income generation).
• Transparent historical returns and risk profiles.
• Ideal for users with limited time to actively manage investments.

Cons:

• Less control over individual asset selection — you are investing in pooled portfolios.

Best For: Investors who want a hands-off, globally diversified investment experience with professional management.

7. I-Invest

Best for: Treasury bills, commercial papers, fixed income

I-Invest is a broad-based investment app supported by multiple Nigerian banks, providing direct access to the country’s fixed income market.

Key Features:

• Treasury bills: Purchase Nigerian government treasury bills directly.
• Commercial papers: Invest in short-term corporate debt instruments.
• Nigerian equities: Buy stocks listed on the Nigerian Exchange.
• Mutual funds: Access mutual funds across various asset managers.

Pros:

• Wide selection of fixed income and capital market products.
• Strong backing by leading Nigerian financial institutions.
• Offers an all-in-one investment dashboard.

Cons:

• User interface could be improved compared to newer, more modern apps.

Best For: Investors seeking access to low-risk fixed income products and those who want a consolidated view of their investments.

See Also: 5 Remote Jobs You Can Do with Your Phone in Nigeria in 2025

Final Thoughts

Choosing the right saving and investing app in Nigeria depends largely on your financial goals, investment experience, and personal preferences.

Here is a quick summary of which apps to consider for different needs:

• For stocks (Nigeria & U.S.): Bamboo, Optimus, AfriInvestor 2.0
• For mutual funds: Cowrywise, I-Invest
• For dollar savings: Optimus, PiggyVest, Bamboo
• For passive global portfolios: Risevest
• For treasury bills & fixed income: I-Invest, AfriInvestor 2.0

Best Saving and Investing Apps in Nigeria 2025: Pro Tips to Consider

• Diversify: Never put all your money into one app or asset class. A diversified portfolio helps manage risk.
• Due diligence: Always ensure any app you use is regulated by the SEC or partners with reputable international brokers.
• Security: Use platforms with robust security measures and segregated custody of funds.
• Fees: Be aware of transaction fees, management fees, and foreign exchange conversion costs.

In conclusion, the Nigerian financial ecosystem offers exciting opportunities for both new and experienced investors. Whether your goal is to grow wealth, save for future expenses, or protect your purchasing power against inflation, the investing and saving apps reviewed in this guide provide an excellent starting point.

As always, take time to understand the risks and opportunities of each investment, start small, and build confidence over time.