Top Savings & Investment Promos in Nigeria for November 2025

In today’s high-inflation Nigeria, finding high-yield savings plans and best investment opportunities has become essential for anyone looking to grow wealth safely. November 2025 comes with some of the most competitive, verified savings and investment promos across digital banks, fintech apps, government securities, and stock market platforms.

If you're looking for where to earn the best savings rates in Nigeria or which investment platforms in Nigeria are offering real value this month, this guide breaks down verified, regulated, high-interest savings and investment options you can take advantage of right now.

1. Digital Banking Savings – Highest Rates in November 2025

A. PiggyVest SafeLock – Up to 22% p.a (Verified)

PiggyVest remains one of Nigeria’s most trusted digital savings platforms, with over 5.5 million users and SEC-regulated operations.

Their SafeLock feature offers some of the highest savings interest rates in Nigeria, with returns reaching up to 22% per annum depending on how long you lock your funds (minimum 10 days).

Why Nigerians like SafeLock:

• Interest is paid upfront

• Higher interest for longer lock periods

• Regulated and reliable

• Perfect for disciplined saving

Looking for stable high-interest savings? Compare top fixed deposit accounts on nairaCompare.

B. FairMoney FairLock – Up to 28% p.a (Highest Rate This Month)

FairMoney Microfinance Bank is one digital bank leading the market with up to 28% annual interest through its FairLock product—one of the highest fixed savings rates in Nigeria in 2025.

FairMoney also offers:

• FairSave: 17% interest with unlimited withdrawals

• NDIC insurance for all savings

• Flexible lock periods from 7 days to 24 months

Want higher returns? Check current FairMoney alternatives with competitive rates.

C. Cowrywise Savings & Investments – Up to 18% p.a

Cowrywise continues to attract savers with:

• Automated savings plans

• Mutual fund investments (SEC-regulated)

• Daily interest calculation

• Halal (non-interest) savings

• Returns up to 18% per annum based on market performance

If you prefer savings plus structured investment options like money market funds or equity funds, Cowrywise is a strong contender.

Compare money market funds in Nigeria and see which ones perform best.

2. Government Securities – Treasury Bills & FGN Bonds

If your priority is safety + predictable returns, government securities remain the most secure investment options in Nigeria.

With the CBN holding the Monetary Policy Rate (MPR) at 27%, Treasury Bills (T-Bills) and Federal Government Bonds continue to offer some of the best fixed-income returns this quarter.

Typical yields in November 2025:

• 91-day T-Bills: 15% – 17%

• 182-day T-Bills: 17% – 19%

• 364-day T-Bills: 19% – 22%

• FGN Bonds: 18% – 24% depending on tenure

These instruments are perfect for anyone looking for a low-risk, stable income.

Compare T-Bill and FGN Bond yields easily with nairaCompare’s investment dashboard.

3. Investment Platforms & Stock Market Access

If you're looking for growth-focused investments, these SEC-licensed and regulated platforms offer access to Nigerian, US, and global markets:

• Bamboo: Provides access to over 3,500 US and Nigerian stocks with fractional investing options
• Chaka: SEC-licensed platform offering over 4,000 assets, including stocks, ETFs, and fixed-income securities
• Trove: Gives Nigerians access to Nigerian, US, and Chinese markets with competitive fees 

For November 2025, several platforms are offering discounted trading fees for new signups—making it a great time to start investing.

Not sure where to start? Compare top investment apps for Nigerians in 2025.

4. Government Investment Initiative – iDICE Program

The Federal Government’s iDICE (Investment in Digital and Creative Enterprises) initiative continues expanding with a $617 million fund supporting tech and creative entrepreneurs.

Latest update:

• Ventures Platform Fund II raised $64 million in its first close this November

• More opportunities for young founders

• Potential for investors interested in venture capital or startup funding

This program positions Nigeria as one of Africa’s fastest-growing startup economies.

How to Choose the Right Savings or Investment Option

Before locking money anywhere, consider:

Regulation: Ensure the platform is properly licensed by either CBN or SEC 

Security: Verify NDIC insurance coverage for savings platforms 

Flexibility: Consider lock-in periods against your need for liquidity 

Minimum Investment: Start with platforms that allow low entry points (some begin at ₦1,000) 

Interest Payment Schedule: Some platforms pay interest upfront, others monthly or at maturity

Pro Tip:  Diversify across fixed savings, market investments, and government securities to balance risk and returns.

Frequently Asked Questions

1. What is the highest savings interest rate in Nigeria in November 2025?
FairMoney currently offers up to 28% per annum, one of the highest verified digital savings rates this month.

2. Which savings platform in Nigeria is safest?
Platforms regulated by the CBN, NDIC, or SEC—such as PiggyVest, Cowrywise, and FairMoney—offer strong security and transparency.

3. Are Treasury Bills a good investment in 2025?
Yes. With the MPR at 27%, T-Bills and government bonds offer stable, low-risk returns between 15–22% depending on tenor.

4. Which investment apps allow Nigerians to invest in US stocks?
Bamboo, Trove, and Chaka all offer access to US and global markets under SEC regulation.

5. Can I start investing with small amounts?
Yes. Many savings apps allow starting from ₦500–₦1,000, making them ideal for beginners.

Conclusion – Where Should You Put Your Money This Month?

November 2025 offers Nigerians some of the best savings rates and investment opportunities of the year. Whether you're looking for:

• High-interest fixed savings

• NDIC-insured flexible savings

• Government-backed securities

• Stock market and global investment access

• Startup and venture capital opportunities

…there’s something for every type of saver and investor. You don’t need to start big—consistency matters more than amount.

Ready to find the best rates? Compare savings and investment options on nairaCompare today.

Want personalised recommendations? Use the Maxella AI tool to match your goals with the best available offers.