In 2026, many people have set clear financial goals; how much they want to save or grow by year’s end. The real challenge, however, lies in execution. Simply leaving money idle in a bank account and hoping for a miracle interest won’t cut it. Money was made to move, whether through spending or investing.
Savings, therefore, should never be seen as the destination but as the bridge to something greater. Its true purpose is investment. And the good news is that Nigeria now offers a wide range of savings and investment apps designed to help you take that next step toward achieving your financial goals. We’ll explore the top options, but ultimately, the choice is yours.
Of course, it’s natural to wonder: What if the app shuts down? What if the platform goes out of business? These are valid concerns; no one wants to risk losing their hard-earned money. With so many apps flooding the market, it can be difficult to separate the legitimate platforms from the questionable ones. The key safeguard is ensuring that any platform you use is affiliated with, licensed by, or registered under the Securities and Exchange Commission.
The apps I’ll be sharing with you definitely meet this standard, giving you a secure foundation to start building. Let’s dive in.
1. Afrinvestor 2.0
Afrinvestor 2.0 is an investment app owned by Afrinvest West Africa, one of Nigeria’s leading investment platforms. Through this app, you can access opportunities in stocks, commercial papers, and treasury bills. Backed by an established investment bank, it offers the reassurance that your money is secure and not at risk of vanishing overnight. Available in both web and mobile versions, you can choose whichever format suits your convenience. With over 30 years of proven expertise in Nigeria’s capital markets, Afrinvestor 2.0 stands as a trusted channel for reliable investment solutions.
2. PlutusNeo
In January, Afrinvest rebranded its digital investment platform, Optimus, into PlutusNeo. The platform opens up a wide range of investment opportunities, from naira and dollar mutual funds to high-yield options and U.S. stocks. Among its standout perks are competitive interest rates, flexible investment plans, and even the ability to make cash dollar deposits.
Beyond investments, PlutusNeo aims to evolve into more than just a trading platform. The rebrand signals Afrinvest’s commitment to building a more connected financial ecosystem, with future support for payments and lending. Backed by Afrinvest’s reputation, PlutusNeo positions itself as a modern gateway to diverse and secure investment solutions.
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3. Bamboo
Bamboo is an excellent choice for anyone interested in trading foreign stocks. The platform combines a sleek, user-friendly interface with learning resources designed to build financial literacy. One standout feature is the ability to view the portfolios of top players in the finance world, giving you practical insights into potential investment opportunities.
Beyond foreign stocks, Bamboo also allows you to trade Nigerian stocks and treasury bills. For savings, the app offers fixed-income dollar options, where you can lock your funds for periods ranging from 3 to 6 months or up to a year, earning interest along the way.
Most importantly, Bamboo partners with DriveWealth, a U.S.-based broker headquartered in New Jersey. This partnership adds credibility and security to your investments.
4. Cowrywise
Cowrywise has built its reputation as a go-to platform for trading mutual funds, available in both naira and dollar. Beyond investments, it also allows you to save money while earning interest, with options ranging from periodic to fixed and one-time rates.
The app’s user-friendly interface makes it easy to navigate, and its unique ‘Savings Challenge‘ feature encourages you to commit to structured savings plans. You’re sure to build a solid stash of funds over time. Designed as an all-in-one investment platform, Cowrywise lets you tailor your trading and saving activities to fit your lifestyle and personal preferences.
At this point, it’s my personal go-to. And here’s a fun fact: Cowrywise offers mutual funds starting from as little as ₦5,000, making it accessible to virtually anyone ready to begin their investment journey.
5. PiggyVest
Who doesn’t know PiggyVest in 2026? It stands as one of the largest and most recognized online savings and investment platforms in Nigeria. PiggyVest combines disciplined savings with accessible investment options such as bonds, commercial papers, and real estate. This makes it an excellent starting point for beginners.
The platform offers a variety of savings plans tailored to meet the diverse needs of its users, ensuring that everyone can find a structure that works for their financial goals. With its reputation and wide adoption, PiggyVest continues to be a trusted gateway for Nigerians looking to build consistent savings habits while exploring light investment opportunities.
6. Risevest
Risevest gives you access to dollar-denominated investments in the U.S., making it a solid option for anyone looking to diversify internationally. You can get started with as little as $10, opening the door to opportunities in fixed assets, real estate, and stocks.
One of the platform’s key features is its ready-made portfolios, designed to simplify the investment process. The downside, however, is that you don’t have the freedom to build your own portfolio from scratch. Still, Risevest makes up for this with a clean, user-friendly interface and direct access to experts who can guide you along your investment journey.
7. I-Invest
With I-Invest, you have the freedom to trade a wide range of instruments including stocks, eurobonds, commercial papers, treasury bills, and even fixed savings. The app quite literally places the stock market at your fingertips, making investing more accessible than ever.
Parthian Securities Limited powers all stock transactions on the platform, and the Securities and Exchange Commission (SEC) licenses them to ensure every trade remains secure and regulated. I-Invest demonstrates transparency, safety, and all-in-one accessibility. This makes it stand out as a trusted platform for both new and experienced investors.
By the way, this list does not downgrade the credibility of other savings or investment apps. I wrote this article strictly for educational purposes, not as investment advice. What it does offer is a sense of direction, helping you see the possibilities available. Ultimately, the responsibility lies with you, so be sure to carry out thorough due diligence and seek professional financial guidance before committing to any platform.
