For many Nigerians seeking practical ways to grow their money, digital investment platforms have become some of the most accessible tools available. They allow Nigerians—from salary earners to students and business owners—to invest small amounts, save consistently, and access financial products that were once difficult to reach through traditional banks.
These platforms are popular because they provide convenience, low entry requirements, and transparent dashboards that help users clearly track their savings or investments. They eliminate barriers and make structured financial growth easier for the average Nigerian.
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How These online investment Platforms Work?
Digital investment platforms operate as secure financial intermediaries that connect users to fund managers, fixed-income products, mutual funds, and other regulated investment opportunities. After signing up, users can deposit money, choose a product, and monitor returns directly from the app.
How they operate
- Users create an account and complete BVN/ID verification.
- Money is deposited into the wallet or investment balance.
- Available products (savings, fixed income, funds, etc.) are displayed.
- Users invest, track growth, and withdraw based on plan rules.
Risks You Should Consider
Although these platforms are regulated and provide safer investment options, every investment still carries a level of risk. Users should understand what they are investing in, how returns work, and what protections exist.
Key risks
- Returns are not guaranteed.
- Market fluctuations may affect performance.
- Withdrawal limits may apply on locked plans.
The 8 Best Online Investment Platforms in Nigeria
- PiggyVest
- Risevest
- Trove
- Bambo
- I-Invest
- Wealth.ng
- Cowrywis
- Chaka
1. PiggyVest
PiggyVest is an online savings and investment platform that started as Piggybank.ng on January 7, 2016 and rebranded to PiggyVest in April 2019; it positions itself as “the first online Savings & Investment app in West Africa,” offering digital tools to automate saving and access investment opportunities.
The PiggyVest app provides multiple products — automated savings (Piggybank), fixed/locked savings (SafeLock), goal/group savings (Target Savings) and curated investment options (Investify/Invest) — and markets itself to millions of users who save and invest on the platform.
How to get started:
- Create a free account on PiggyVest (register via the web or mobile app).
- Verify your identity and link your Bank Verification Number (BVN) and contact details as required by PiggyVest’s onboarding/terms.
- Link a Nigerian bank account or add a debit card to enable funding and withdrawals.
- Fund your PiggyVest wallet (bank transfer, debit card, or supported payment channels) and choose a product — Piggybank (automated), SafeLock (lockaway), Target (goal-based) or Investify (investment offers).
- Monitor interest and returns on your dashboard; follow PiggyVest guides/FAQ for interest payment schedules and product rules.
Earning potential:
PiggyVest advertises saving-plan interest rates up to about 20% per annum for certain savings products and investment returns of up to 35% per annum on selected Investify offers.
Ideal for:
- Salaried or regular-income savers who want automated, goal-based saving.
- People who need commitment tools to lock money away and earn higher rates (avoid spending temptation).
- Beginner-to-intermediate investors seeking accessible, curated short-to-medium term investment opportunities.
Why Choose PiggyVest:
- Multiple dedicated wallets (Flex, Piggybank, SafeLock, Target, Investify) that let you tailor savings and investment strategies in one app.
- Competitive advertised interest rates on locked and automated savings plus access to vetted investment deals.
- Large, established user base and emphasis on security and compliant onboarding (wide adoption in Nigeria).
2. Risevest
Risevest is a mobile-first investment platform that helps users in Nigeria and other markets build dollar-denominated portfolios across US stocks, US real-estate and fixed-income products — all managed by Rise as a digital investment manager.
The platform offers a Wallet (Vault) for regular savings, themed investment plans (Stocks, Real Estate, Fixed Income) and pre-built index funds (Rise Index), with historical metrics published for each asset class (e.g., Rise advertises ~14% pa for its stock/index offerings and ~14–15% pa for real-estate historically).
How to get started:
- Visit Risevest’s official site or download the Rise app (iOS/Android).
- Tap “Sign up” and create an account with your name, email/phone and country.
- Complete KYC/identity verification as prompted (upload ID, address, BVN where required).
- Fund your Rise Wallet using the supported on-ramp (Naira bank transfer or other payment routes; the app shows conversion/FX options).
- Choose an asset class or plan (Stocks, Real Estate, Fixed Income, or Rise Index) and set an investment amount or recurring schedule.
- Monitor performance in-app, reinvest or request withdrawals according to each product’s liquidity rules.
Earning potential:
Rise publishes historical/average annual returns of about 14% pa for its index/stocks products and ~14–15% pa for its US real-estate products, while some historical figures for the Rise Index have been quoted higher (past performance ≠ future results).
Ideal for:
- Nigerians and other savers who want dollar-denominated exposure to US stocks and real estate as a hedge against local currency risk.
- Investors seeking a curated, managed portfolio with low minimums and mobile access to global assets.
- People who prefer monthly or periodic income/returns from diversified assets (Vault payouts, real-estate rental yields, dividend-focused plans).
Why choose Risevest:
- Dollar-denominated investment options across multiple asset classes (US stocks, US real estate, fixed income) for diversification.
- Accessible, mobile-first experience with low minimums and pre-built portfolios (Rise Index) to simplify global investing.
- Transparent published historical returns and educational resources (FAQ, blog) plus a large user base promoted on the platform.
3. Trove
Trove is a Nigerian fintech investment app that lets users buy fractional shares of Nigerian, US, Chinese and other global stocks, ETFs, bonds and fixed-income products from a mobile app or web dashboard; it also offers features like “Earn” (fixed-income savings), portfolio tools and community insights to simplify investing.
The platform opens US brokerage relationships (custody/execution via regulated partners such as DriveWealth/Alpaca) and provides KYC/SEC/regulated-entity disclosures, positioning itself as a regulated route for Nigerians to access global markets and fixed-income products.
How to get started:
- Download the Trove app (iOS or Android) or open the web app.
- Create an account (email, phone, password) and complete the in-app registration form.
- Complete KYC: upload valid ID, proof of address and provide BVN/other details as requested.
- Fund your Trove wallet (bank transfer or Naira card) and convert to USD when needed for foreign assets.
- Choose assets (stocks, ETFs, bonds, Earn) and place orders or allocate to products.
- Monitor your portfolio in-app and follow withdrawal or maturity rules for fixed-income products.
Earning potential:
Trove’s “Earn” fixed-income product advertises up to ~20% p.a. on Naira savings and up to ~5.5% p.a. on dollar savings, while market investments (stocks/ETFs/bonds) produce variable returns based on market performance.
Ideal for:
- Retail investors seeking global stocks.
- Savers wanting fixed-income options.
- Beginners who prefer app-based investing.
Why choose Trove:
- Access to global & local assets.
- Regulated brokerage partnerships.
- Fixed-income “Earn” feature.
4. Bambo
Bamboo is a mobile and web investment platform that gives Africans access to local and global financial markets — primarily US and Nigerian stocks, ETFs, fixed-income products and a “Fixed Returns” dollar product — with fractional shares, low minimums and regulatory links to broker partners.
The service positions itself as a retail brokerage and wealth-building app (regulated in Nigeria), offering instant trading, fractional investing, and custodial protections through its US brokerage partners (SIPC/FINRA coverage noted for US custody).
How to get started:
- Visit InvestBamboo.com or open the Bamboo web app / download the Bamboo mobile app.
- Tap “Create Account” / “Get the App” and register with your email, phone and password.
- Complete KYC by uploading your ID (NIN/BVN or other government ID) and any requested address documents.
- Fund your account via the supported payment methods (local bank transfer or card) to start buying fractional shares or placing Fixed Returns investments.
- Choose assets (US/Nigerian stocks, ETFs, Fixed Returns) and place orders; monitor and withdraw according to each product’s rules.
Earning potential:
Bamboo offers market-dependent returns on stocks/ETFs and advertises Fixed Returns of up to 8% (dollar) on its Fixed Returns product.
Ideal for:
- Retail investors seeking US/Nigerian market access.
- Beginners wanting low-minimum, fractional investing.
- Savers seeking short-term dollar fixed returns.
Why choose Bamboo:
- Fractional access to thousands of global stocks.
- SIPC/FINRA custody protections for US assets.
- Fixed dollar product with advertised up to 8% return.
5. I-Invest
I-Invest is a Nigerian digital investment marketplace (the i-invest app) powered by Parthian Partners that lets retail users buy Treasury Bills, Fixed Deposits, Commercial Papers, Mutual Funds, equities and other fixed-income and market products through a mobile app or web client — positioning itself as a broker-free gateway to short- and long-term Nigerian investments.
The platform highlights regulated custody and operations (Parthian is SEC-licensed), PCI-DSS and ISO-27001 security claims, and a product set focused on high-yield fixed income (T-bills, FDs, commercial paper) plus market access for equities and funds — all manageable from the app with KYC and a linked wallet.
How to get started:
- Download the i-invest app (Google Play or Apple App Store) or open the web client and click Register.
- Create an account with your email/phone and set a PIN.
- Complete KYC: upload valid ID, enter personal details and BVN as prompted.
- Fund your i-invest wallet via bank transfer, card or other supported channels.
- Choose a product (Treasury Bills, Fixed Deposit, Commercial Paper, Mutual Fund, Equities) and place your order.
- Monitor investments in-app and withdraw or redeem according to each product’s rules.
Earning potential: i-invest advertises competitive fixed-income returns — up to about 25% p.a. on selected fixed-income products.
Ideal for:
- Fixed-income seekers.
- DIY retail investors.
- Users wanting broker-free access.
Why choose I-Invest:
- Wide fixed-income access.
- SEC-regulated operator.
- Mobile, broker-free interface.
6. Wealth.ng
Wealth.ng is a Nigerian investment marketplace operated by WealthTech Limited (an affiliate of Sankore Securities) that aggregates multiple asset classes—Treasury bills, bonds, stocks, real estate, agriculture and a liquid “Wealth Cash” savings product—into a single mobile/web platform to simplify retail investing.
The platform presents itself as a regulated gateway for Nigerians to buy fixed-income instruments and other investments with low minimums, bank-level security and easy funding/withdrawal options; investments on the site are offered through Sankore Securities (SEC-regulated).
How to get started:
- Visit Wealth.ng or download the Wealth.ng app (iOS/Android).
- Tap Register / Sign up and create an account (email, phone, password).
- Complete KYC: upload your ID, provide personal details and BVN as prompted.
- Fund your Wealth.ng cash/wallet via card or bank transfer.
- Choose a product (Wealth Cash, Treasury Bills, Bonds, Stocks, Real Estate, Agriculture) and invest the required minimum.
- Monitor holdings in the dashboard and redeem/withdraw according to each product’s terms.
Earning potential:
Wealth.ng’s product pages show Wealth Cash at around 6–7% p.a. (annualised) and example fixed-income listings such as a 270-day T-Bill at ~8.5% p.a.; actual returns vary by product and tenure.
Ideal for:
- Retail fixed-income investors.
- Beginners seeking low-minimum access.
- Users wanting a single marketplace for multiple assets.
Why choose Wealth.ng:
- Wide asset coverage.
- Low minimums, easy funding.
- SEC-linked product provision (Sankore).
7. Cowrywis
Cowrywise is a Nigerian digital savings and investment platform that automates goal-driven savings and provides access to mutual funds, Naira and USD investments, and recently stocks — all through a mobile app and web dashboard.
Operated by Cowrywise Financial Technology Limited and licensed by the Securities and Exchange Commission (SEC) of Nigeria, the service emphasises automated plans, low minimums (as little as ₦1,000), and a range of vetted mutual-fund and fixed-income products.
How to get started:
- Visit cowrywise.com or download the Cowrywise app (Google Play / App Store).
- Tap Sign Up / Create Account and register with your email, phone and password.
- Complete KYC: upload a valid ID, supply personal details and your BVN if requested.
- Fund your Cowrywise wallet via bank transfer or card.
- Choose a product (Savings plan, Mutual Funds, Stocks, USD products), set an automated schedule (daily/weekly/monthly) or make a one-off investment.
- Monitor performance in-app and withdraw or redeem according to each product’s terms.
Earning potential:
Example product returns on Cowrywise show multi-percent annual figures — e.g., the Cowrywise Investment Portfolio listed with an annual return figure of ~17.61% (site shows historical annual returns and fund-specific figures).
Who this platform is ideal for:
- Automated savers.
- Mutual-fund investors.
- USD/dollar seekers.
Why choose Cowrywise:
- SEC-licensed fund manager.
- Competitive advertised returns.
- Low minimums & automation.
8. Chaka
Chaka is a Nigerian SEC-licensed digital investment platform that lets users trade and invest in thousands of global and local assets (US, UK, Nigeria, China etc.) including stocks, ETFs, bonds and dollar-wallet holdings, with fractional shares and low minimums.
The service provides app and web access, instant funding options (Naira and dollar wallets), custodial arrangements via regulated partners, and a published fee/minimum structure (start from N1,000 or $10) aimed at retail investors seeking dollar exposure and easy global market access.
How to get started:
- Open chaka.com or download the Chaka app (iOS/Android).
- Tap Sign up / Create account, enter your email, phone and password.
- Complete KYC (upload valid ID, BVN where required).
- Fund your Naira or Global ($) wallet (minimum N1,000 or $10) via bank transfer or card.
- Search for assets (local or international stocks, ETFs, bonds), place buy orders or allocate to portfolios.
- Monitor portfolio in-app and request withdrawals per Chaka’s withdrawal rules.
Earning potential: Returns depend on market performance (capital gains/dividends for stocks and ETFs; fixed-income yields vary) — Chaka offers dollar-market exposure and dividend/market returns rather than guaranteed rates.
Ideal for:
- Dollar-seeking retail investors.
- Beginners needing low minimums.
- Investors wanting global access.
Why choose Chaka:
- SEC-licensed, locally regulated.
- Low minimums (N1,000 / $10).
- Wide global + local asset coverage (4,000+ assets).
How to Choose the Right Investment Platform
Picking the best platform requires checking for safety, transparency, and the kind of investments that match your financial goals. These simple factors help you avoid risk and choose a service that truly supports long-term growth.
- Regulation & Security: Make sure the platform is registered with the SEC and uses strong security measures like data encryption and two-factor authentication.
- Investment Options Available: Look for platforms that offer what you need—whether it’s stocks, fixed-income products, savings plans, or foreign investments—so you can diversify easily.
- Fees, Charges & Returns: Compare withdrawal fees, transaction fees, and management costs, and ensure the potential returns justify those expenses.
- Ease of Use & App Quality: Choose a platform with a clean interface, fast navigation, and reliable app performance so you can manage your investments without stress.
- Customer Support & Transparency: Confirm that the platform provides clear information, responsive support, and open communication about how your money is handled.
FAQs (Frequently Asked Questions)
1. What should I look for when choosing an online investment platform in Nigeria?
You should check whether the platform is regulated, the types of investments it offers, the fees it charges, app usability, and how transparent and responsive its customer support is.
2. Are these platforms safe to use?
Most of these platforms operate legally and use bank-level security, but safety depends on regulation, how your funds are held, and the risk level of the particular investment products they offer.
3. How much can I earn from these investment platforms?
Earnings vary by product—stocks, fixed income, or automated savings—and depend on market performance, interest rates, and the platform’s specific return offerings.
4. Do I need a lot of money to start investing on these platforms?
No. Many Nigerian investment platforms allow beginners to start with very small amounts, letting you build gradually while learning how each investment option works.
5. What type of investor are these Nigerian platforms ideal for?
They suit beginners looking for simple savings, busy professionals needing automation, and growth-focused users who want access to local or foreign investment opportunities.
Conclusion
Choosing the right online investment platform in Nigeria can make a meaningful difference in how quickly and safely your money grows. Since each platform offers different strengths—ranging from automated savings to global stock access and fixed-income opportunities—it’s important to align your choice with your financial goals and risk level.
By understanding what each platform provides and starting with amounts you’re comfortable with, you can steadily build wealth over time.
