Nigeria’s investment landscape has transformed dramatically in 2025. With the new Investment and Securities Act (ISA 2025) providing regulatory clarity, more Nigerians are turning to digital investment platforms. As inflation erodes the value of traditional savings, investment apps offering 15–35% annual returns are quickly outpacing bank savings rates of just 5–7%.
If you’re considering investing through fintech platforms, here are the top investment apps dominating Nigeria in Q3 2025.
Returns: Up to 25% annually
Minimum Investment: ₦5,000
Best for: Beginners and passive investors
PiggyVest remains the leader in Nigeria’s fintech space with over 4 million users. It offers automated savings, fixed deposits, and diversified investment opportunities across agriculture, real estate, and transportation. Its Investify feature delivers strong returns while maintaining strict risk management.
Returns: 17–24% annually on mutual funds (market-dependent for stocks)
Minimum Investment: ₦1,000
Best for: Mutual fund access and new NGX stock investors
In 2025, Cowrywise expanded beyond mutual funds to include direct Nigerian stock trading via its partnership with Meristem Stockbrokers. The platform offers interactive heatmaps, automated investing, and simple onboarding—no paperwork required. With historical mutual fund returns of 24.17%, it remains a strong choice for SEC-regulated investments.
Returns: 7–14% annually (US and Nigerian stocks)
Minimum Investment: $20 (₦15,000)
Best for: Dollar-denominated investments and hedging against Naira depreciation
Bamboo offers fractional investing in over 3,500 stocks across the US and Nigerian markets. With SIPC insurance up to $500,000, it’s a secure option for investors seeking exposure to global equities.
Returns: 10–14% annually in USD
Minimum Investment: $10
Best for: Long-term wealth protection in USD assets
Risevest specializes in US real estate, Eurobonds, and stocks, providing managed portfolios designed to reduce Naira exposure. Post-regulation, the platform has enhanced compliance, boosting investor confidence.
Returns: Market-dependent (stocks, bonds, ETFs, REITs)
Minimum Investment: ₦1,000
Best for: Investors seeking wide portfolio diversification
Trove gives users access to Nigerian, US, and Chinese markets. It supports multiple asset classes, making it a one-stop platform for diversified portfolios.
The Investment and Securities Act 2025 has reshaped Nigeria’s investment environment by:
Recognizing digital assets as securities under SEC regulation
Criminalizing Ponzi schemes with severe penalties
Requiring SEC licensing for all Digital Asset Operators
Strengthening investor protection and transparency
This new clarity has boosted trust and paved the way for regulated digital platforms to thrive.
| Feature | Traditional Banks |
Investment Apps |
|---|---|---|
| Annual Returns | 5–7% | 15–35% |
| Minimum Investment | ₦10,000+ | ₦1,000+ |
| Accessibility | Limited | 24/7 via mobile |
| Options | Savings only | Stocks, bonds, mutual funds, and real estate |
| Currency | Naira only | Naira + USD |
1. Security & Regulation – Only use SEC-registered apps post-ISA 2025
2. Investment Goals
Conservative: PiggyVest, Cowrywise
Growth-focused: Bamboo, Trove
Dollar hedge: Risevest
3. Fees – Compare annual charges (typically 0.5–2%)
4. Ease of Use – Mobile access, user support, withdrawal options
Market Snapshot: Q3 2025
The Nigerian Exchange (NGX) has surged 35.9% year-to-date by July, adding over ₦25.7 trillion in investor gains.
Technology & Telecommunications
Consumer Goods
Banking & Financial Services
Platforms like Cowrywise have capitalized on this rally by expanding into stock trading, giving retail investors direct access to Nigeria’s booming equities market.
Download and verify your chosen app
Complete KYC with BVN/NIN and valid ID
Start small with the minimum investment
Diversify across multiple asset classes
Monitor performance and adjust your strategy
1. Are investment apps safe in Nigeria?
Yes. Under ISA 2025, only SEC-regulated apps can operate legally, offering enhanced investor protection.
2. What returns can I expect?
Top apps deliver 15–35% annually, though results depend on risk level and market conditions.
3. Do I pay taxes on investment earnings?
Yes. Returns may be subject to 7.5–10% withholding tax.
Q3 2025 is a turning point for Nigeria’s investment sector. With ISA 2025 driving regulatory clarity and fintech platforms expanding their services, investors now have safer, more rewarding, and more diverse options than ever before.
Whether you want steady fixed-income returns, dollar-denominated growth, or diversified access to Nigerian and global markets, regulated investment apps offer secure pathways to build wealth.
👉 Compare Investment Apps on nairaCompare to find the platform that best matches your financial goals and risk appetite.