online investment platforms in nigeria

Top 20 Best Genuine Online Investment Platforms in Nigeria

For the umpteenth time, salary alone can not create wealth for you, you need to find some investment platforms whether online or offline if you are interested in making some good money.

When you are working in Nigeria where the minimum wage is not enough to see you through the month, then it becomes more crucial for you to get some online jobs that can fetch you extra money.
However, if you do not have the time to work extra shifts, then you can make your money work for you by investing in Genuine Online Investment Platforms in Nigeria.

With this, you are guaranteed a certain income regularly which could help you lift some burdens.

If you are really serious about investing in some of the best online investment websites in Nigeria, then you should take a peep below:

1. Cowrywise

Corwrywise has mostly been known as one of the best saving platforms in Nigeria but it can also be a goldmine for those who want to invest seamlessly. Besides, saving on the platform is almost as good as using the investment feature as they offer higher returns than traditional banks.

The question people ask is how they manage to do that considering the fact that banks are more equipped to do that since they have the most assets. The only reason why they were about to do that is that their mode of operations is lean, one that is mostly driven by technology. Also, online businesses are as cheap to maintain as you may not need to arrange a physical space, stocks, and machinery to keep them going.

To ensure that the customers get higher returns, cowrywise invests their money in risk-free instruments and a few low-risk investment opportunities such as corporate bonds and high-quality commercial papers.

Being a dual platform, you are sure to earn from your money except for Halal Savings Option which is only for Muslims who do not want to accumulate earnings on their money because of their belief. The online investment platform offers 10% to 15% per annum to regular savers, depending on how long you want to invest your savings. However, investment interests may vary.

Cowrywise is no doubt one of the best online investment platforms or sites in Nigeria, you can now profit from the power of time as you grow. You invest money and earn compound interest.

Also, there is nothing to worry about, the platform uses the same line of security that commercial banks use. To further ensure that your money is safe, the assets are with the Meristem Trustees, a company registered with the Security and Exchange Commission (SEC).

Cowrywise app is available for download on Google Play Store and App Store. You can also log in using their website URL.

cowrywise app

2. PiggyVest

There is no denying that PiggyVest is popularly known for its saving feature, but yet is one of the best Genuine Online Investment Platforms around. This wonderful feature that seems to be their core service has helped over 2 million people achieve their goals by helping them save with ease and also invest.

Meanwhile, whether you are just on Piggyvest to save or to invest cash you won’t be needing anytime soon, you can be sure of earning interest every day. Each customer can earn 5% to 15% interest on savings and over 25% return on investments which will no doubt remain one of the best deals you will ever get from a saving app.

On the investment part, with a minimum investment amount starting as low as N5,000, you can invest your funds in various industries such as fixed-income instruments, transportation, agriculture, etc. To ensure that nothing happens to your funds, piggyvest is working hand in hand with established licensed investment houses such as ARM, AIICO, and Stanbic.

PiggyVest uses top-level Internet Security which is secured by 256 bits SSL security encryption. This is to ensure that nothing happens to your Piggyvest funds. With this high level of security, your information is completely protected from fraud. The investment app also makes use of Two-factor authentication (2FA) which is on by default to further enhance the security, the 2FA shuts out unauthorized access and impersonation.

You create a piggyvest account on their site or download the app from Google Play Store or App Store for a better user experience.


3. is an investment platform where goal-driven people can invest their cash in mutual funds, stocks, treasury bills, and real estate from anywhere and anytime.

Customers will be able to monitor their investment in real-time and have an idea about how much they will be getting when it matures. No way should you compare with Ponzi schemes as this is a genuine online investment.

There are 2 account types on called Self Starter and White Glove.

Self Starter Account is a account for investors or customers that have some knowledge about when to buy or sell. With this type of account, you are responsible for buying and selling on the investment app.

White Glove account is a account suitable for customers with no prior knowledge about how to invest their money, therefore experts will make the investment decisions for you and in time, you can learn. If you are just getting started, this is the account you should go for.

The investment platform is secured and also regulated by Sankore Securities Limited, which is registered with the Nigerian Stock Exchange and regulated by the Securities and Exchange Commission, Nigeria. Payments on are made via Flutterwave which provides one of the best online payments in the country. mobile app is available on the Android and iOS platforms. Go to any of the stores to download app depending on your device operating system.

wealth ng

4. Wema Bank Alat

If you can trust Wema bank to help you save your money pending the time you need it, then you should trust Alat.
ALAT is Nigeria’s 1st fully functional digital bank designed by Wema bank to make all your banking services available to you from anywhere and anytime.

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With Alat, you can do much more. You can open a wema bank savings account, request a loan, create a free virtual dollar card for online payment and convert naira to dollars any time, and even save easily.

The app may mostly be known for providing the platform to carry out all forms of wema bank banking activities, but one can still earn on his or her savings kept with Alat. Using the simple automated savings plan provided by the investment platform, you can earn 10% interest annually which is three times what you earn from commercial banks.

Alat is available for download on App Store and Google Play Store depending on what device you use. Using the app makes it easier for you to access all the features that it offers. Alternatively, you can also access alat via their online banking platform.

alat online investment platform in nigeria

5. Investment One by GTBank

Investment One is a subsidiary of Guaranty Trust Bank, popularly known as GTbank, incorporated in 2008 as GTB Asset Management, and licensed by the Securities & Exchange Commission and Nigerian Stock Exchange to provide various financial and investment opportunities to all.

Since it has been unveiled to Nigerians who are looking for how to grow their money through investment, one can say Investment One has done a very good job at that.

Investment One Businesses comprise two fields, Financial Services, and Capital Management. The financial services include Stockbroking, Trust Services, Funds Management, and Pension while Capital Management includes Investment Banking, Finance, Venture Capital, and Private Banking.
Therefore, you can think of Investment One as your one-stop shop for all comprehensive Investment Services with a chance of success.

As described in the Investment One Statement, the mission is to generate consistent and sustainable returns for investors, with higher regard for quality, honesty, integrity, and customer satisfaction. As a bank that has been in the business of managing funds for years, you can expect them to do right by you. The interest rate on Investment One is flexible.

Aside from using their online investment website, Investment one platform can be accessed by downloading the app from the App Store and Google Play store. Using the app, it will make it easier for you to navigate and also receive valuable information.

investment one

6. I-invest By Sterling Bank

Maybe you have heard about investing in treasury bills and other fixed-income products but you do not know how to start, you can take a chance with I-invest.

I-invest is a mobile app designed by Sterling Bank Nigeria to provide a secure, fast, and convenient way for people to access investment products. On the online platform, you are going to come across several financial services products that can help you meet your financial goals.

On I-invest, there are treasury bills, equities (stocks and shares), and Eurobonds. You can select anyone you want to put your money on. The minimum investment amount an investor can place on Eurobond and Treasury bills are $1,000.00 and ₦50,000.00 respectively. The investment platform is open to both Sterling and non-sterling bank customers. Meanwhile, the interest rate on I-invest is between 8 to 11%.

Anyone investing in Eurobond should note that they cannot use their naira wallet amount to invest in Eurobonds, instead, they will need to fund their wallet with dollars to purchase the bonds.

Go to your app store to download the I-invest app if you are considering investing your money on Eurobonds, Treasury bills, or equities.

i invest

7. FBN Edge

FBN Edge is an investment app designed by FBNQuest Asset Management, a subsidiary of First Bank Nigeria Holdings Company to give a platform to investors who are looking to make good money.

Using the FBN Edge, you can invest in mutual funds, easily understand the process, manage your investment, and watch your investments in real-time. Investors will find the investment app very easy to use as it can help them be in control and sooner, they may cash out big time depending on their financial goals.

As a financial expert with vast experience, deep insight, and perspective, you can be rest assured that they will do what is best for your money to ensure it delivers superior risk-adjusted returns. The FBN edge products include Mutual Funds, Liquidity Management, and Independent Portfolios.

The app links can be found on their official website or you could also go to your device app store to download one of the best investment apps in Nigeria on your smartphone.

fbn edge

8. KoloPay

Kolopay should remind you of the conventional piggybank except that this is totally mobile and online. To encourage saving, kolopay allows you whatever is convenient for you.

Kolopay has two main saving options, which are autosave and easysave. Autosave automatically helps you save daily, weekly, or monthly while easysave allows you to save anytime you want. With the easy save, there is no compulsion.

Savers can enjoy up to 10% annual interest on their savings when they lock in their goals. Also, KoloPay allows users to save from multiple bank accounts, and to further encourage saving, they can earn 6% interest on that particular saving.

Meanwhile, another selling point on Kolopay is the e-commerce feature which allows users to save based on their respective target goals. It could be towards purchasing a laptop, properties, home appliances, vacations, etc.

Kolopay can be downloaded from Google Play Store or App Store depending on your device’s Operating System Type.


9. Stanbic IBTC Asset Management

It is normal not to know the right kind of investment that will bring the best returns if you are just getting started. With Stanbic IBTC Asset Management, you can find several channels to put your money on.

The investment options include Stanbic IBTC Money Market Fund, Stanbic IBTC Dollar Fund, Stanbic IBTC Bond Fund, Stanbic IBTC Shari’ah Fixed Income Fund, and Stanbic Bank Mutual Funds.

Stanbic IBTC Money Market Fund allows you to invest in high-quality short-term securities such as Commercial Papers, Treasury Bills, and Fixed Deposits.

If you are interested in making some good cash by investing in Eurobonds, Stanbic IBTC Dollar Fund is where to invest in foreign currency, USD precisely.

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Stanbic IBTC Bond Fund is for investors who wish to make gains on investments with fair risk by investing at least 70% of the portfolio in high-quality bonds, while 30% of the asset is put into the money market which includes Treasury bills, certificates of deposit (CD), and commercial papers.

Stanbic IBTC Shari’ah Fixed Income Fund is for a special set of investors who want to comply with the sharia set of rules while aiming to make money on an investment platform.

Although you will need to complete the account opening at any Stanbic IBTC branch first, thereafter, you can begin to top up your investment funds online using the Stanbic IBTC Mobile app available on App Store and Google Play Store.

Stanbic IBTC Asset Management

10. Thrive Agric

Agribusiness is a big business in Nigeria and you now have an online agro-crowdfunding investment platform called Thrive Agric where you can invest your money.

The agricultural technology startup opens up a platform where farmers can access finance, locate markets, and exposure to what is currently trending. It also allows people to invest their money which could make them a good return in 6 to 9 months while empowering farmers at the same time.

As per your investment, your capital is safe with Thrive Agric. If at all something goes wrong which is very uncommon, your capital is insured which means you have nothing to worry about.

To get started on Thrive Agric, you will need to sign up. Even upon entering the site, you will find some valuable Frequently Asked Questions (FAQ) to help you understand how the programme works.

thrive agric

11. FarmCrowdy

FarmCrowdy is among the agents of change that are working tirelessly to increase food production not just in Nigeria, but in Africa. Famers get to enjoy training on modern farming techniques and access to a market for the sale of their farm produce. This enlightenment and support enable the farmers to increase productivity which will definitely improve the well-being of the citizenry.

Aside from that, it is also an online platform where you can invest your money as an individual or Corporate Organization. All these can be carried out on their platform or by downloading their official mobile app from an app store. The app comes with useful information that can quickly give you insight into your investment.

FarmCrowdy is in business with Leadway Assurance, which gives you peace of mind that your capital is insured. However, being an establishment that has been long in this game, you can expect the agribusiness company to do what is best for you. In other words, you and the investment can both get a good return for your investment.


12. Payvest By Carbon

Carbon is one of the online loan apps in Nigeria, but not everyone is aware of the other benefits one can enjoy on the platform. They include airtime recharge, bill payments, money transfers, loan services, and even investing your money right within the Carbon app (Payvest).

Payvest is an online investment platform where you can invest your cash conveniently and securely and with up to 16% per annum on the amount you committed to the project. The minimum amount you can invest is ₦100 and the maximum amount of money is ₦10,000,000 with 1 to 12-month tenors.

On the investment website or app, you can set up to 5 plans as the platform affords you such flexibility. Another thing that makes it stand out is the fact that you can avoid hidden fees. Besides, you are going to be able to see your potential earnings before committing to the deal. This will help you have an idea about the deal you sign for.

Investors should also realize that once they have locked into an investment, full interest will only be earned on maturity day. If you decide to cash out before the maturity date, you will only get a partial earning.

Carbon is available on the App Store and Google Play Store for download. Payvest is among the features offered on the app. After downloading the app, you will need to activate Payvest and then enter the amount you want to invest. Carbon is also available on USSD and the Web.

payvest carbon

13. Bamboo

Bamboo is another investment platform you should consider if you want to make money online. The platform allows you to invest in over 3,500 stocks listed on the Nigerian and U.S. stock markets.

Using your phone or computer, you can easily find the best local and foreign companies to trade on. Investors will be able to fund their local or dollar currency balance quickly and start trading in equities.

As an investor, you do not need to buy a whole stock, you can buy in parts as Bamboo supports fractional investment.

To ensure your Bamboo account is secured, it uses the same kind of security used by commercial banks, and Accounts are held by their partner, an establishment duly registered with the Nigerian SEC and U.S. brokerage partner, a member of the United States SIPC, and each Bamboo user’s account is insured up to $500,000.

The bamboo app can be downloaded from Google Play Store and App Store.

bamboo investment

14. Chaka

Chaka is a genuine online investment platform that allows Nigerians and Nigerian companies to invest in local and global stock markets in both Naira and US Dollars.

On Chaka, you can invest in equities (stocks and shares) through a brokerage firm registered with the Nigerian Stock Exchange (NSE), Central Securities Clearing System (CSCS), and also overseer by the Securities and Exchanges Commission (SEC).

Chaka will provide you with a platform where you can have access to stocks listed on the US Stock Exchange and well-established, and financially sound companies in over 40 countries around the world.

All global investments will pass through a US brokerage firm that is regulated by the US Securities and Exchange Commission (SEC) and the US Financial Industry Regulatory Authority (FINRA). Your investment in foreign currency is also insured by the US Securities Investor Protection Corporation (SIPC) up to $500,000. makes use of bank type of security and all website traffic is encrypted which means that all information shared between your device and Chaka servers are encrypted.

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Investors can download the Chaka app from their respective app stores.

chaka investment

15. Rise Vest

With a minimum of 10 USD, you can invest in Rise Vest. The online investment platform allows you to access the best global investment opportunities with ease. The experts are always working hard to ensure that the assets on Rise Vest are among the best you will ever get.

As an investor, you can choose whatever will work for you. The investment opportunities on the platform consist of Real Estate, Fixed Income, and Stocks. You can also grab some shares from US stock and earn 14% of your investment annually while fixed income would be perfect for anyone who wishes to protect their money by investing in a secure, appreciating currency. You can get 10% annual returns on the low-risk asset.

For real estate, everyone knows how rewarding the real estate business is becoming at the moment, putting your money in this medium-risk investment plan could earn you 15% of your capital.

Risevest also allows you to learn about investing your funds the right way and meet other investors through its free investment club. Meeting other investors is a perfect opportunity to learn from one another.

There is no reason to worry about your investment as it is very safe. It uses the same security measures used by top banks in Africa and around the world. For those who prefer to use the app instead of the site, you can download RiseVest App from your IOS or Android device.

rise vest 1

16. Fint

Fint is another online investment website in Nigeria that allows people to make money by lending to accountable individuals and businesses who need funds to meet their expected business goals.

The fint team works by accessing opportunities from their list of reputable and verified partners across different industries which include personal loans, age, agriculture, power, and insurance.

On Fint, you can invest as low as ₦4,750 per unit while returns for each investment opportunity vary. However, Fint ensures that every product gives a good return above the accepted inflation rate. Therefore, you can expect a good deal from your investment. The tenor could vary based on the products you are investing in, it could range from 2 weeks to 52 weeks.

Payouts will be disbursed to your wallet once it matures and you will always be provided updates through your email.

fint investment

17. Trove

Have you been wondering if there is another alternative to earn dividends in dollars in Nigeria when you invest? Well, you can count on Trove to become such a goldmine for you.

Trove is an online investment platform that deals in stock trading, thereby allowing you to invest and trade globally right from your phone or computer. You can be in your office, or home and still be able to make some investment decisions via the Trove App.

With an investment amount of as little as $10 or N1,000, you can start making money from Trove and walk your way to secure your future knowing that the bigger your input, the more rewarding your investments. The naira wallet is for investing in local stocks and bonds while the dollar wallet is for global investment. You can use your debit card to fund any of the wallets provided your debit card supports local and foreign transactions. Mastercard and Visa Card are known to be able to support any payment platform in Nigeria.

Like it is the usual practise, trove has also insured your capital as they are with DriveWealth, a company registered with the Securities Investor Protection Corporation (“SIPC”) which currently protects the securities and cash in your Account up to $500,000 of which $250,000 may be in cash.

The trove app is available for download on google play store and app store. Through the app, you will be able to manage your investment and still get informed of trends and top stories as they unfold.

trove app

18. E-farm

If you are serious about making some money in the agricultural business, then E-farm should come to mind. E-farm is an agro-based online investment platform that allows individuals and companies to invest their funds through their websites.

The process has been simplified so that anyone from anywhere in the world can join. You can be a salary income earner or self-employed, as long as you have some funds, you are welcome to partner with E-farm.

Like most online investment platforms, your capital is insured against loss. If at all anything goes wrong, your capital is protected. At the end of the tenure which is usually between 6 to 12 months, the investor will get back their capital and the accumulated returns.

e farm

19. PayDay Investor

PayDay Investor is an online investment app that provides a platform for individuals and corporate organizations to earn interest on their investments.

While investing your money with PayDay Investor, put it at the back of your mind that you can not lose your capital as it has already been insured. One of the benefits of putting your cash with PayDay Investor is that you get to earn more than what the bank pays on a savings account.

With your one thousand naira, you can invest in PayDay Investor and earn interest. Meanwhile, the bigger your investment, the better your payout.

To properly navigate easily, you can download Payday Investor from your App Store.

payday investor

20. Riby

Although much of Riby’s core services centre on providing easy access to loan products and managing savings, we are not going to ignore the investment aspect since everyone wants to make money.

With Riby’s numerous investment plans, you can get a unique opportunity to let your savings work for you and start making money. This is also one of the ways smart people make online.

Riby does not just offer online investment opportunities, but also offline investment opportunities. Meanwhile, it has lots of features that could be of immense benefit to everyone.

You can also start crowdfunding or group funds and get access to investments that will guarantee you more interest. Therefore, everyone gets to smile at the bank.

riby me

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