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4 Best Online Savings and Investment Platform in Nigeria

Are you looking for online savings and investment where you can save or invest your money and earn interest?

In this article, I’ll show you an online savings and investment platform that will earn you money for just saving, or give you high interest for investing right here in Nigeria.

Saving in the bank is not such a good idea these days. As Banks end up deducting money from people’s accounts. It makes a lot of sense in these hard times to be on the look out for legit savings and investment platforms that will make you a stable income.

So if you are looking for high-interest savings that are better than what commercial banks offer.

There are so many online savings and investment platforms out there, unfortunately not all of them are legit, here are the reliable online savings and investment platforms that you can use.

Savings and Investment Platforms in Nigeria

1. PiggyVest

4 Best Online Savings and Investment Platform in Nigeria

PiggyVest is an online and mobile app savings and investment platform in Nigeria and other African countries. Users can choose to save little amounts of money periodically (Daily, Weekly or Monthly) towards a specific target OR lock away funds for a specified period of time.

PiggyVest helps you save and invest with ease for as little as 100 naira and earn interest of between 10 – 17 percent. With PiggyVest, you can stop spending excessively and put away (and grow!) funds that you do not want to touch.

Open PiggyVest account

2. CowryWise – Save and invest

CowryWise is an online savings and investment platform. The platform is a wealth management app, licensed by the SEC and developed to equip individuals with the required tools to make personal financial management a lifestyle. It is an automated and secure platform, which offers you high returns from risk-free investments in Nigeria with zero fees, charges and no penalties.

There have been over 100,000+ downloads on Google PlayStore, with an approval rating of 4.3 stars from 10,000 users describing it as ‘reliable’, ‘amazing’, ‘efficient’ etc.


With the Cowrywise app, you can:

  • Pay and receive money from other Cowrywise users for free.
  • Save as a group to reach your goals faster with circles
  • Prepare for unforeseen emergencies by creating a personalized Emergency Fund
  • Start automated savings with any amount (daily, weekly, or monthly) with periodic Savings plan
  • Make one-time deposits anytime with your spare money.
  • Invest in any of the mutual funds that match your financial goals.
  • Diversify your portfolio by investing in mutual funds from top investment firms in Nigeria

Cowrywise enables you to plan, save and invest money easily.

Create Cowrywise account

3. Vestpay – Save, Invest and Earn

4 Best Online Savings and Investment Platform in Nigeria

Vestpay is an online savings and investment platform that gives its users access to savings with 15% yearly return and offers users with very low-risk investment.

You need to build and sustain wealth with Vestpay. Vestpay’s sole aim is to help you achieve financial independence.

With Vestpay, you can:

Save and earn 15% interest per annul on your savings target more than what commercial banks offer.

Invest and get amazing ROI on Agriculture(Maize, poultry, soyabean ) and Real estate investment.

Vestpay is safe and secure.

Create Vestpay account free

4. OWealth – Savings and Investment

4 Best Online Savings and Investment Platform in Nigeria

Owealth is an online savings and investment platform that is built in an opay app that helps you to save and earn 15% interest yearly on the amount you save. For example, let’s say you invest 50,000 for one year. At the end of the annual savings date, the amount of return you will get is: 50,000 * 15 / 100 = 7500, that means you will get 57,500 back at the end of your savings tenure.

Interest accrued on your Owealth wallet is calculated annually and credited on a daily basis and you can withdraw your fund at any time.

You can withdraw your funds without losing the interest you have earned at any time.

Open Owealth account for free