Top 10 Investment Platforms In Nigeria You Should Know

Let’s be real — saving money in a regular bank account doesn’t cut it anymore. Inflation is rising, and keeping money idle means it’s losing value over time. More and more Nigerians are turning to investment platforms, not just to save, but to grow their wealth.

It’s no longer just for rich people or finance experts — anyone with a smartphone can now start investing with as little as ₦1,000.

But with so many platforms out there, it’s hard to know which ones are safe, reliable, and actually give good returns. That’s where this guide comes in.

I’ve spent time researching and using some of these platforms myself. I’ve looked at how easy they are to use, their security, the kind of returns they offer, and what real users are saying.

So, if you’re thinking about starting your investment journey in Nigeria or want better options, this list is for you.

Let’s jump right into the top 10 investment platforms in Nigeria right now.

1. Cowrywise

Cowrywise is one of the most trusted platforms for saving and investing in Nigeria. It’s easy to use and built for both beginners and experienced investors. They offer savings plans and investment in mutual funds.

Minimum Investment: ₦1,000
Returns: Around 10-15% per annum, depending on the fund
Regulated by: SEC Nigeria
Website: cowrywise.com

What I like about Cowrywise is how simple they make investing. You can automate your savings, choose from different mutual funds, and track your progress from the app.

2. PiggyVest

Originally known for digital savings, PiggyVest now offers investment options too. It’s hugely popular and trusted by millions of Nigerians.

Minimum Investment: Varies (some start from ₦5,000)
Returns: 5-25% depending on the plan
Regulated by: Partners are SEC-regulated
Website: piggyvest.com

They have a feature called “Investify” that gives you access to pre-vetted investment opportunities, including agriculture and fixed-income assets.

3. Risevest

If you want to invest in U.S. stocks or real estate from Nigeria, Risevest is a great pick. It offers dollar investments that help protect your money from the naira’s ups and downs.

Minimum Investment: $10
Returns: Varies (around 10-14% on average)
Regulated by: SEC-licensed partners
Website: risevest.com

Risevest lets you pick between fixed income, real estate, and U.S. stock portfolios. I like that they do the heavy lifting and manage the portfolio for you.

4. Bamboo

Bamboo gives you direct access to over 3,000 U.S. stocks and ETFs. It’s great for people who want to be hands-on with their investments.

Minimum Investment: $20
Returns: Depends on stock performance
Regulated by: SEC-licensed partners and insured by SIPC
Website: investbamboo.com

Bamboo also recently added Nigerian stocks to the app, which makes it even more versatile.

5. Trove

Trove is similar to Bamboo but goes a step further — it allows you to invest in Nigerian, U.S., and Chinese stocks, bonds, and ETFs.

Minimum Investment: ₦1,000
Returns: Based on asset performance
Regulated by: SEC through licensed brokers
Website: troveapp.co

The app is well-designed, and you can learn as you go. It’s perfect if you’re curious about stocks but don’t want to dive in too deep too fast.

6. Chaka

Chaka also offers access to Nigerian and global stocks. It partners with local brokers and international partners to give you a wide range of investment choices.

Minimum Investment: ₦1,000
Returns: Market-based
Regulated by: SEC Nigeria
Website: chaka.com

Chaka’s standout feature is its educational content — they do a good job of helping users understand what they’re investing in.

7. Passfolio (now part of Sproutfi)

Passfolio used to be one of the go-to apps for Nigerians to invest in U.S. assets. It has now merged with Sproutfi, continuing its mission of making global investing easier for people in emerging markets.

Minimum Investment: $1
Returns: Varies by stock
Website: sproutfi.com

You can buy fractional shares of companies like Apple, Amazon, and Tesla with just a few dollars.

8. i-Invest

i-Invest is great for those who want a more conservative investment approach. It lets you invest in government treasury bills and other fixed-income products.

Minimum Investment: ₦1,000
Returns: 8–13%
Regulated by: SEC Nigeria
Website: i-investng.com

If you’re worried about risk, this one gives peace of mind because it’s tied to government-backed securities.

9. Farmcrowdy

Farmcrowdy connects investors to agricultural projects across Nigeria. You fund a farm, and after a certain period, you get your capital plus profit.

Minimum Investment: ₦20,000 (varies)
Returns: 6–25% depending on the project
Regulated by: Partners with licensed entities
Website: farmcrowdy.com

While agriculture can be risky, Farmcrowdy has built trust by delivering results for years now. Just read the project details carefully.

10. PayVest (by PayCentre)

PayVest offers simple investment plans with fixed returns. It’s part of PayCentre, known for POS services across Nigeria.

Minimum Investment: ₦10,000
Returns: 10–20%
Regulated by: SEC-partnered services
Website: paycentreafrica.com

It’s a solid choice for people looking for predictable returns and less complexity.

FAQs

Is my money safe on these platforms?

Yes — as long as the platform is regulated by the Securities and Exchange Commission (SEC) in Nigeria or works with licensed partners. Always check their licensing status.

Which app is best for beginners?

Cowrywise and PiggyVest are very beginner-friendly. They’re easy to use and explain everything clearly.

What if I want to invest in dollars?

Try Risevest, Bamboo, or Trove — they let you invest in U.S. stocks or dollar-denominated assets.

Can I lose money?

Yes, especially if you’re investing in stocks or agriculture. But some platforms offer safer, low-risk options like mutual funds or treasury bills.

Final Thoughts

The truth is, there’s no one-size-fits-all platform. What works for me might not work for you. The good news is that many of these apps let you start small — so you can try out a few and see what fits your goals, budget, and risk comfort.

If you’ve been waiting for the “perfect time” to start investing, this is it. You don’t need millions, just consistency, patience, and the right tools.

So now I’m curious — which one of these platforms are you most interested in trying first?