Investment Apps in Nigeria 2025 – Best Platforms for Beginners and Experts

Investment apps in Nigeria are changing the way people save and grow their money. Thanks to fintech innovation, you no longer need a stockbroker or piles of paperwork to build wealth. With just your smartphone, you can:

• Buy U.S. stocks like Apple, Tesla, or Microsoft

• Invest in mutual funds or dollar savings

• Diversify into real estate portfolios

• Automate your savings and financial discipline

But with dozens of apps available, which one should you trust? In this guide, we’ll answer the most common questions Nigerians ask about investment apps — from safety to returns — and compare the 7 best investment apps in Nigeria for 2025.

Quick Comparison: Top Investment Apps in Nigeria

Quick Tip: Bamboo is best for U.S. stocks, Risevest for dollar savings, PiggyVest for budgeting, and Cowrywise for disciplined long-term investing.

Which app is best for investing in U.S. stocks in Nigeria?

Bamboo – Best for U.S. Stocks & ETFs

Bamboo gives Nigerians direct access to over 3,000 U.S. stocks and ETFs. Think of it as Nigeria’s version of Robinhood or E*TRADE in the U.S.

Features:

• Real-time trading in U.S. markets

• Fractional investing (own part of a share)

• Dollar wallet to hedge against Naira depreciation

Pros:
✔ Beginner-friendly interface
✔ SEC-licensed partner for safety
✔ Low entry (₦5,000)

Cons:
✘ Doesn’t offer Nigerian stocks
✘ Limited beyond equities

Best For: Nigerians who want exposure to U.S. companies without leaving the country.

Which app lets me invest in both Nigerian and global stocks?

Trove – Nigerian + Global Stocks

Trove combines local and international markets in one app. It’s similar to eToro (a popular platform abroad), but tailored specifically for Nigerians.

Features:

• Access to Nigerian NGX stocks + U.S., Chinese, and global equities

• Start with just ₦1,000

• Portfolio tracking and analytics

Pros:
✔ SEC + CBN regulated
✔ Mix of local & international options
✔ Very low starting point

Cons:
✘ The interface may feel busy for beginners
✘ Smaller stock pool than Bamboo

Best for: Nigerians who want to diversify their investments both locally and globally.

Is Risevest a safe dollar investment app in Nigeria?

Risevest – Best for Dollar Investments & Real Estate

Yes, Risevest is a legitimate platform that allows Nigerians to invest in dollar-denominated assets such as U.S. stocks, real estate, and fixed income. The company partners with SEC-licensed asset managers to ensure investor protection. For Nigerians worried about Naira depreciation, Risevest is one of the most reliable options.

Features:

• Professionally managed portfolios

• Start with $10 (~₦15,000)

• Transparent performance tracking

Pros:
✔ Protects wealth from Naira volatility
✔ Real estate access without huge capital
✔ Beginner-friendly

Cons:
✘ Less control over individual assets
✘ Long-term focus, not short-term trading

Best For: Nigerians seeking stability through dollar and real estate investments.

Which app is best for mutual funds & automated savings in Nigeria?

Cowrywise – Mutual Funds & Long-Term Savings

Cowrywise works like a digital mutual fund marketplace, giving Nigerians access to regulated funds with as little as ₦100.

Features:

• Wide range of SEC-approved mutual funds

• Automated savings plans

• Educational resources for beginners

Pros:
✔ Extremely low entry barrier (₦100)
✔ Safe & regulated
✔ Great for disciplined investors

Cons:
✘ Not built for active traders
✘ Returns depend on fund performance

Best For: Beginners and long-term investors who prefer a hands-off approach.

What is the safest savings & fixed-income app in Nigeria?

PiggyVest – Automated Savings & Fixed Income

PiggyVest started as a savings app but is now one of Nigeria’s most trusted fintech platforms.

Features:

• Automated savings rules

• Fixed income products

• NDIC-backed savings accounts

Pros:
✔ Great for budgeting
✔ Simple and trusted by millions
✔ Flexible withdrawal options

Cons:
✘ Limited investment options beyond savings/fixed income

Best For: Nigerians who want secure savings and predictable returns.

Which app combines Nigerian & international stocks?

Chaka – Nigerian + Global Access

Chaka bridges Nigeria’s NGX with global markets, making it similar to Interactive Brokers but localized.

Features:

• Access to over 4,000 assets worldwide

• SEC-licensed sub-broker

• Minimum ₦1,000 to start

Pros:
✔ Strong regulation & compliance
✔ Combines Nigerian + foreign assets
✔ Low entry

Cons:
✘ Still growing compared to Bamboo & Trove

Best For: Nigerians wanting a balanced global + local portfolio.

You could also need the Best loan apps in Nigeria-Compare and Apply Fast

Are Nigerian investment apps safe & regulated?

Yes — but only if you stick to licensed platforms.

Why They’re Safe:

• SEC Nigeria regulates apps like Trove, Chaka, and Cowrywise

• CBN regulates PiggyVest for deposits

• NDIC ensures certain funds

Red Flags of Scam Apps:
“Guaranteed” high returns (e.g., 20% in a month)
No SEC/CBN licensing info
Recruitment-based models (Ponzi schemes)

Which investment app is best for beginners in Nigeria?

• Cowrywise → Start with ₦100 in mutual funds

• PiggyVest → Learn savings discipline

• Risevest → Beginner-friendly managed portfolios

These apps remove complexity so you can focus on consistency.

Which apps are best for dollar investments in Nigeria?

• Risevest → Dollar portfolios (stocks, bonds, real estate)

• Bamboo → Direct U.S. stock purchases

• Trove → Local + U.S. equities

What are the best real estate investment apps in Nigeria?

• Risevest (Real Estate Portfolio) → Access to fractional U.S. real estate

• Wealth.ng → Local real estate + fixed income products

Final Take: Which App is Right for You?

• For U.S. stocks → Bamboo

• For local + global stocks → Trove or Chaka

• For dollar stability → Risevest

• For mutual funds → Cowrywise

• For safe savings → PiggyVest

The key is to start small. Even ₦100 on Cowrywise or ₦500 on PiggyVest builds the habit of investing. Over time, consistency matters more than the amount you start with.

FAQs

Q1. Which app is best for beginners in Nigeria?
Cowrywise and PiggyVest are best for beginners due to their simplicity and low entry amounts.

Q2. Is Risevest legit?
Yes. Risevest is regulated and works with SEC-licensed managers.

Q3. Which is better, PiggyVest or Cowrywise?
PiggyVest is better for budgeting and savings, while Cowrywise is better for mutual funds.

Q4. What’s the minimum investment?
Cowrywise: ₦100 | PiggyVest: ₦500 | Trove: ₦1,000 | Bamboo: ₦5,000 | Risevest: $10

Q5. Which apps are safest?
PiggyVest, Trove, Chaka, Cowrywise, and Risevest — all SEC/CBN regulated.