Are you looking for the best investment apps in Nigeria that can help you grow your money without stress in 2025? You’re not alone. With inflation on the rise and traditional savings offering low interest, more Nigerians are now turning to investment apps as a smart way to build wealth directly from their phones.
Whether you’re a student, salary earner, or business owner, investment platforms make it easier to put your money to work with little or no capital required and direct returns to your bank account.
In this guide, we’ll show you the best investment apps in Nigeria that are legit, beginner-friendly, and safe to use in 2025.
Why Nigerians Are Embracing Investment Apps in 2025
In today’s economy, simply saving money is no longer enough. Smart Nigerians now prefer apps that help them:
Earn passive income
Beat inflation
Invest with as low as ₦500
Withdraw profits easily
Monitor investments in real-time
Investment apps give you the power to control your finances directly from your smartphone—no paperwork, no long queues.
Best Investment Apps in Nigeria 2025 (Trusted and Legit)
Let’s explore the top apps trusted by thousands of Nigerians for investing money in 2025:
1. PiggyVest
PiggyVest is one of the most popular investment and savings apps in Nigeria. It allows users to invest in pre-vetted opportunities like agriculture, real estate, and fixed-income securities.
Key Features:
SafeLock (fixed savings)
Investify (earn returns up to 25% per annum)
AutoSave for daily, weekly, or monthly savings
Payment:
Withdraw funds directly to your Nigerian bank account
PiggyVest is perfect for beginners and regular savers who want more from their money.
2. Cowrywise
Cowrywise helps users automate their savings and access investment options in mutual funds and fixed plans.
Why Nigerians Love It:
Invest with as low as ₦100
Diversified mutual fund options
Simple and clean user interface
Payout:
Withdrawals go straight into your bank account
Cowrywise is great for anyone looking for low-risk, steady investments.
3. Risevest
Risevest focuses on dollar-based investments, allowing you to invest in US stocks, real estate, and fixed income.
Features:
Protects you from naira devaluation
Earn in dollars
Flexible plans with monthly returns
Payment:
Earnings are converted and paid into your bank account
Risevest is ideal if you want to build long-term wealth in foreign currency.
4. Bamboo
Bamboo lets Nigerians invest directly in U.S. and Nigerian stocks from their phone.
Benefits:
Buy shares from top companies like Apple, Google, and Dangote
Real-time market data
No hidden charges
Withdrawal:
Withdraw to domiciliary or local accounts
Bamboo is perfect for users who want to build a stock portfolio easily.
5. Chaka
Chaka gives you access to both Nigerian and global stock markets.
What You Can Do:
Invest in local & international companies
Monitor real-time performance
Trade like a pro from your mobile
Payment:
Cash out directly into your bank account or dom account
Chaka is ideal for serious investors and finance enthusiasts.
6. Trove
Trove is a mobile investment app that gives you access to stocks, bonds, and ETFs from Nigeria and the U.S.
Features:
Invest from ₦1,000
Learn as you earn
Buy shares in local and international companies
Payout:
Withdraw earnings directly to your bank
Trove is best for beginners interested in learning while building wealth.
7. Carbon (Formerly Paylater)
Carbon now offers a high-yield investment feature along with its popular loan and payment services.
Perks:
Fixed return of up to 15%
Daily interest credited
Easy to withdraw at maturity
Payment:
Direct transfer to bank account
Carbon is great for people who want to combine digital banking and investing in one app.
8. I-invest
I-invest is a Nigerian investment app that focuses on government-backed securities like Treasury Bills and bonds.
Why It’s Trusted:
Backed by financial institutions
No paperwork
Invest from ₦1,000
Payment:
Interest paid to your bank account
I-invest is ideal for low-risk investors who want guaranteed returns.
9. Chipper Cash (Invest Feature)
Chipper Cash now includes a stock investment option alongside its popular money transfer services.
What You Can Do:
Buy U.S. stocks with as little as $1
Get real-time insights
Send money and invest from one app
Withdrawal:
Cash out directly into your bank account
Chipper Cash is ideal for users who want to combine payments with investments.
10. Opay (Wealth Section)
Opay now features a wealth-building tool that includes savings, staking, and investment offers from partner companies.
What It Offers:
Fixed investment plans with good returns
Zero charges on withdrawal
Integrated with your Opay wallet
Payment:
Returns and capital sent to your Opay wallet or bank
Opay Wealth is great for users already using the Opay ecosystem.
Tips to Use Investment Apps Safely in Nigeria
Start small: Invest only what you can afford to risk
Do your research: Understand the platform and their partners
Enable two-factor authentication (2FA)
Check for SEC registration or insurance
Read user reviews before investing large amounts
Frequently Asked Questions (FAQs)
Which investment app is best for beginners in Nigeria?
PiggyVest, Cowrywise, and Risevest are user-friendly and good for first-time investors.
Do these apps pay directly to bank accounts?
Yes. All listed apps support bank transfers for withdrawals.
Can I lose money on these apps?
Some investments carry risks. Always read the terms before investing.
How much can I start with?
Most apps allow you to start with as low as ₦100 or ₦500.
Final Thoughts: Best Investment Apps in Nigeria 2025
In 2025, your smartphone can do more than browse and chat—it can build your future. With investment apps in Nigeria like PiggyVest, Cowrywise, Bamboo, and Risevest, you can grow your money steadily, easily, and securely.
Whether you want to invest in naira or dollars, stocks or savings plans, there’s a reliable app made for you. Start small, be consistent, and watch your wealth grow—right from your phone.