---
title: '9 Investment Apps to Make Money in Nigeria in 2026'
source: 'https://youtube.com/watch?v=vvxBN_44TDU'
video_id: 'vvxBN_44TDU'
date: 2026-08-23
duration_sec: 635
channel: 'Personal Finance Circle '
---

# 9 Investment Apps to Make Money in Nigeria in 2026

> Source: [9 Investment Apps to Make Money in Nigeria in 2026](https://youtube.com/watch?v=vvxBN_44TDU)

## Summary

This video provides a comprehensive overview of nine investment apps available in Nigeria, designed to help individuals build their personal finance. The creator categorizes the apps by risk level, from low-risk savings platforms to higher-risk crypto exchanges, and highlights key features, potential returns, and entry requirements for each.

### Key Points

- **Trove: Low-Cost Stock Investing** [00:42] — Trove allows investment in local and foreign stocks with as low as ₦1,000 or $10. It offers stocks, bonds, and ETFs, including global companies like Apple, Google, and Amazon. A feature called 'Trove N' allows locking funds for up to 16% returns per annum.
- **Cowrywise: Savings and Mutual Funds** [01:50] — Cowrywise is a popular savings app with investment plan options, including mutual funds. It offers competitive interest rates from 8% to 15% annually. Features include saving towards objectives, saving with friends/family, creating emergency funds, and a 'Dual Challenge' for saving with a partner.
- **Groy: A Free Budgeting Tool** [03:06] — The Groy app is a budgeting tool being built by the creator's team. It helps create budgets, track income and expenses, and provides free finance tips and money-making ideas. It will offer a monthly report on financial performance and is currently on a waitlist.
- **Piggyvest: Automated Savings and Investments** [03:59] — Piggyvest is a fintech app offering various savings plans. Features include 'Piggy Bank' (automated savings with up to 10% interest), 'Lock' (fixed savings with up to 13% interest), and 'Target Savings' for specific goals. It also offers investment opportunities starting from ₦1,000 and flexible withdrawal options.
- **Keable: Fractional Real Estate Investing** [05:45] — Keable allows investment in real estate in Nigeria and abroad with as low as $10. It uses a fractional ownership model, allowing users to own a fraction of a property. Benefits include steady rental income and property appreciation, with security measures and reputable property managers.
- **Bamboo: Access to 3,000+ Stocks** [07:01] — Bamboo is a fintech app providing access to over 3,000 stocks from the US and Nigerian markets. It allows investing in US stocks from Nigeria, investing in dollars, and getting fixed returns. The app is user-friendly and supports funding in Naira, dollars, or other currencies.
- **Rise Vest: Professionally Managed Global Assets** [07:53] — Rise Vest helps Nigerians invest in high-quality global assets like US stocks, real estate, and fixed income. It acts as a fund manager, employing financial experts to manage assets and maximize returns while minimizing risk. Users can track performance and make adjustments.
- **Shaka: Local and International Stocks** [08:35] — Shaka is a digital investment platform for investing in local and international stocks, including global stocks, ETFs, and Nigerian companies. It provides market insights, educational content, and research tools to help users make informed decisions.
- **Bybit: Crypto Earning Features** [09:02] — Bybit is a popular crypto exchange offering features to make money with cryptocurrencies, including savings, dual asset investment, and liquidity mining. These features allow users to earn returns without needing to perform technical analysis.
- **Luno: Simple Crypto Investing** [09:42] — Luno is a cryptocurrency exchange and wallet platform that allows users to buy, sell, and store cryptocurrencies. It is designed for simplicity, making it easy for beginners to get started. Users can earn interest on their crypto holdings through staking.

## Transcript

Circle. In this video, we are diving into the top nine investment apps to that are changing the way Nigerians invest and are helping Nigerians build their personal finance. Also, some of these apps contain high risk, high
reward investment and some contain lowrisk, lowreward investment. So, if whether you want high risk or low-risk investment, these apps are for you. YouTube channel, welcome to Personal Finance Sec, where we teach you how to
manage your money the right way. So, if you love content on these topics, please make sure you subscribe to our YouTube channel and like this video. Thank you. investment apps to make money in Nigeria. The first one is the Trove
Investment App. Now, this is an investment app in Nigeria that helps you invest in local and foreign stocks or shares with as low as $1,000 naira and $10, respectively. and you get to enjoy a diverse range of investment options in
stocks means you are buying shares from different companies. Then you become an investor in those companies and make money through dividends and capital appreciation. Now, on the Trove app, you can also invest in stocks, bonds, and
ETFs. And you can buy shares of global companies like Apple, Google, and Amazon gives you the opportunity to invest in some of the world's largest and most that investing in stocks can be quite risky. So, if you want something less
feature called Trove N on the app that allows you to lock your funds and get up to 16% returns per anom. Now, the belief investing small amounts of money regularly. And the Trove app also
provides access to financial literacy tools to help you become a smart investor. And you can download the Trove app on App Store or Play Store. And we on how to use the Trove app. The link to that video will be in the description
below. Now, the second app is the Car Rice app. Now, this is a very popular app which is known as a savings app in Nigeria, but it also has an investment plan option. Krise offers a wide range of investment options including mutual
funds and savings plans making it a great choice for both new and experienced investors. And you can do a lot of things on the car app. You can towards an objective. You can save money with your friends and with your family.
And you can also create an emergency fund on car. Also, there's this thing called dual challenge where you can save money with your partner on the app. And one of the coolest parts of the car app is you get competitive interest rate on
your savings ranging from 8% to 15% annually. Now, the app itself is super userfriendly. I love it for that. Is designed to make saving and investing as simple as possible and also uses bank level security and encryption to protect
your data and your funds. So, if you're looking for the safest app to save your money in Nigeria, I recommend that you use the carry rice app. Also, we have a carry rice app and how to use the app. The link to that video will also be in
the description below. Now, I already know that some of you might have seen maybe different budget templates online or different budget trackers and maybe like, maybe it's complicated or maybe the process is too is somehow for you to
record your expenses. Now, I have a better and easier way for you to budget your money for free without any stress. It is called the Groy app. You can see it right here on my chest. Now, what is Grony app all about? So, Grony app is
the app that my team and I are currently building. And it is a simple tool that helps you to create a budget, track your income, track your expenses, and you also get free finance tips and even money-m ideas from us when you start
everything you need to help you grow your finances in 2026. And that's not the only thing you get on Groy. Now, at the end of every month, you get a report on the Groy app that shows you how you made your money that month and how you
So, you're getting all of this for free free. So, if you want to check out what Groy is all about, it is not yet out, but you can click on the first link in the description below to join the weight
list or check the link in the pinned comment of this video. Thank you. Now, the third app to invest your money and make money in Nigeria is the Piggyvest app. Now, piggy vest app is also a very popular savings platform in Nigeria.
Piggyvest is a fintech app designed to help you save and invest your money with ease. Now, it offers a variety of savings plans and investment opportunities that cater to different financial needs. Now, piggy vest also
offer multiple savings plans that help you save money consistently and some of them are the piggy bank savings. This is an automated savings feature on the app where you can save daily, weekly or monthly with interest rate up to 10%
lock and this is a feature on the app that helps you lock away your funds for a fixed period of time and you earn higher interest up to 13% perom. The savings. Now this helps you to save towards a specific goal like your
travel, education or buying a car or a house and you can create multiple target savings plans on the app with personalized settings. Besides saving, opportunities that allow you to invest in low to medium risk investments. You
can start investing with as little as 1,000 naira and you can earn high returns on your investment. Also, the app's interface is clean and easy to savings plan or you're monitoring your investment, it is super easy to use. And
into your savings and investment performance to help you make informed decisions. Piggyvest also offers flexible withdrawal options to meet your needs whereby you can withdraw your funds every 3 months for free on the app
and in case of emergencies you can withdraw at any time with breaking fee which will be charged. Now piggy vest also has the flex naira feature on the app where you can save funds temporarily and redraw at any time. Now we have a
piggy vest app and how to use the app. The link to that video will also be in you have the cable app. Now, it is an app that allows you to invest in real estate properties both in Nigeria and outside Nigeria with as low as $10. Now,
this means that with Keable, you don't need to have huge amount of money before property. Now, with Keable, you can choose from a range of properties including residential, commercial, and rental properties. This gives you the
flexibility to invest in different types of real estate based on your preferences and investment goals. Also, Keable operates on a fractional ownership model, which means that you can own a fraction of a property alongside other
investors. This reduces your risk and allow you to diversify your investment across multiple properties. Now, one of the key benefit of investing with Keable is the potential for steady rental income and property appreciation. As the
properties generate rental income, you earn a share of the profit. And additionally, as property values increase over time, your investment also grows in value. Keb also ensures your investment are secure by using advanced
security measures and partnering with reputable property managers. So, if you want to build a real estate portfolio, the Kebble app is for you. For number five, you have the Bamboo app. Now, the Bamboo app is a fintech app that gives
you access to over 3,000 stocks from the US and Nigerian stock market. It's designed to make investing in international and local stocks simple and accessible. Now, just like the Trove app, the Bamboo app allows you to invest
in US stocks from Nigeria. And in addition, on the Bamboo app, you can invest in dollars and get fixed returns on your money. Now, the Bamboo app is designed with user experience in mind. It's easy to navigate whether you're a
would say that the Bamboo app is a really good app for investing in stocks because it gives you different options to invest your money and again, it is easy to use. Also, funding your Bamboo
account is straightforward. You can deposit your money using Naira, dollars or other currencies, making it flexible for users with different funding you can fund your account in the currency you love best. Now, we have
your funds on the Bamboo app and also videos on how you can invest on the app. description below. For number six, you have the Rise Vest app. Now, Rise Vest is a fintech app that helps Nigerians invest in highquality global assets. So,
whether you're interested in US stocks, real estate or fixed income securities, you can do that on Rise Vest. Now, Rise Vest helps you to grow and manage your money by acting as a fund manager. And Rise Vest ensures that your investment
are professionally managed. Now, the app employs financial experts who manage the asset for you, aiming to maximize the returns and minimize the risk. The app means that you can easily track your investment. You can view the performance
of your investment and you can make any adjustments anytime. For number seven, you have the Shaka app. Now Shaka is a digital investment platform that enables users to invest in a variety of assets including local and international
stocks. Now Shaka is a fantastic app for those who want to access both Nigerian and international market. It allows you to invest in global stocks and ETFs alongside Nigerian companies. Now, Shaka provides users with market insights,
educational content, and recite tools to help them make informed investment decisions. Now, for number eight, you have the Bybit app. Now, this is the Bybit app is a very popular crypto
features to make money with cryptocurrencies. Now, in case you don't you can still make money with features like buy bit savings, dual asset investment, um liquidity mining, and so on without bothering yourself without
any kind of analysis. These are features that will allow you make money by just investing and getting returns on Bybit. Now, for number nine, you have the Luno cryptocurrency exchange and wallet
platform that allows you to buy, sell, and store your cryptocurrencies. Now, if simple app to just invest in crypto and you don't want all the complexity of crypto trading apps like buy bits, Binance, cool coin and so on, then the
Luno app is for you. Luno makes it easy to get started in the crypto world. Luno allows users to earn interest on their crypto holdings by just participating in staking options and you can check out the app on App Store or Play Store. And
investment apps to make money in Nigeria. Each of these apps offers unique features and benefits. so you can choose the one that best fits your investment style and your investment goals. Don't forget to like this video,
hit the notification bell so that you don't miss any update from us. And if to make money, click on the video showing on your screen right here. Thank you for watching, and I'll see you guys in the next one. Why?