Top 10 Investment Apps in Nigeria


Investments are the route to financial freedom. While savings is a healthy financial habit, investment is even wiser. You will find many investment apps and platforms online. However, it is very important that you watch out for those who are trusted and have a good reputation. This article gathers the list of investment apps that work for both android and iPhones that can help you grow your money.

The mobile investment apps are products that allow customers or investors to save money with additional interest per annum from their phones. Investment apps also make available the option of investing in sectors such as stocks, government bonds, mutual funds, and the agricultural sector.

Investment apps are fast becoming popular in Nigeria and millennials are embracing them and in turn, moving away from the traditional savings model. This is because investment apps are financially technology-backed platforms and have proven to be even more secure.

Top 10 Investment Apps in Nigeria

Top 10 Investment Apps in Nigeria

The aim of these applications is to offer a hassle-free investment experience. Both investment experts and beginners are offered a stress-free investment experience with investment apps. Most investment apps offer you the option of investing in securities such as stocks, bonds, mutual funds, and the Agric sector. Below is a list of mobile investment apps that are trusted. Ensure you consult an investment professional and do proper research before deciding which to trust.

CowryWise – For savings and investment

CowryWise is a financial technology company that offers savings and investment options via a mobile application called cowry wise. The platform is managed by finance and technology professionals who have been in the business for over 20years. The cowry wise app is automated and easy-to-use. Cowry wise was established with the aim of making savings and investment easy for customers and to be done on a regular basis.
On cowry wise, your savings generates up to 15% per annum. Cowry wise also helps its customers plan their financial goals through the tools available on the app. You are also able to invest in Nigerian mutual funds through the app. You can only withdraw your money at the set maturity date or choose to roll over savings which then gives you access to compound returns.

Piggy vest

This is one of the most trusted and popular investment apps in Nigeria. The platform began in 2006 under the name, “” At first, the company offered only a savings option and continued this way for 3 years. In April 2019, the company rebranded to PiggyVest. At the moment, you can now invest with the PiggyVest App. The app offers both direct investment opportunities and savings to its users. You can make Piggyvest your regular saving app where you save daily, weekly or monthly and can also save up the money you will not be using for a specific period of time. Piggyvest allows you to choose your terms of savings, these are:

Target savings: Where you save towards a goal

Safe lock: Here, you can save up the money you don’t need immediately and earn up to 15% per annum.

Investify: With this, you can invest in low-medium risk, primary and secondary investment opportunities.

 Investment One – savings, investment, and private banking

Investment One is managed by GTB Asset Management which is a wholly-owned subsidiary of Guaranty Trust Bank Plc (GTB). Investment One offers the following financial services: asset management, stockbroking, trust and pension fund management services, etc. The interest rate on the app varies.


I-invest is a mobile application that allows you to buy securities and treasury related instruments without the need of a broker. At the moment, you can only buy and sell treasury bills on the platform. You can also save money and earn interest rates of up to 8-11% per annum on the platform. However, the minimum you can invest is N100,000. With the I- invest app, withdrawing your funds is quite easy. All you need to do is select the withdrawal feature and your money will be transferred to the bank account details you have provided.

Stanbic IBTC Mobile App

Stanbic IBTC Mobile Application is managed by Stanbic IBTC bank. It is also one of the most trusted investing apps in Nigeria. The Stanbic IBTC mobile app offers investment packages to both local and international investors. Other financial services offered by the app include wealth management, pension management and investments in mutual funds.

Note: you do not need to have a Stanbic IBTC Bank account in order to use the app. You can download the app to start enjoying the mutual fund product. The interest rate on capital investment varies per time.


Afrinvestor is another investing apps in Nigeria that is trusted. Afrinvestor is an online trading and investment management platform managed by Afinvest Securities Limited (ASL). The interest rate on the Afrinvest app also varies. On the app, you can choose to buy and sell shares or invest in fixed income instruments. The app also allows you to drop complaints, comments, and suggestions using the live chat feature on the platform between 8:00 am and 5:00 pm. You can also withdraw cash by moving the cash to your bank account

FBN Edge App

FBN Edge App is designed by FBNQuest Asset Management which is a subsidiary of First Bank of Nigeria. The app allows users to open mutual funds accounts and manage their investments. As the name implies, the FBN Edge app gives the client the edge in investing and also help them meet their financial goals.

FBN Edge app offers different plans such as:

FBN Money Market Fund where you can save for a short to medium term. Investment in this plan is in short term market securities such as Treasury Bills. The maximum starting investment in this plan is N5,000.

FBN Fixed Income Fund

This is for those with medium to long-term investment goals. Investments in this plan are made into long-tenured debt securities issued by the Federal Government.

FBN Heritage Fund

This is for those willing to invest for a longer period of time.


This app helps you save little by little towards your whatever goal you set. You can also earn as much as 10% interest on your savings. On Kolopay, you can save towards goals such as electronics and videos, real estate, home and furniture, laptops and phones, automobiles and vacation plans. You can also set the specific amount you will like to be debited from your bank account at whatever time you choose.

PayDay Investor

The PayDay is another trusted investment app in Nigeria. You are able to earn interest on your investment according to the plan you choose. The minimum starting amount for savings on PayDay is one thousand Naira. You are also able to save towards a specific goal with your friends and family. Account plans on PayDay investor include:

  • Goal-based investment
  • One-time investment
  • Group Goal Investment


ALAT by Wema plans

This is a fully digital banking app powered by Wema Bank. With ALAT, you can open an account in less than five minutes. You are also able to save and earn up to 10 % per annum.




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