5 Best Apps For Investing & Making Money In Nigeria

Want to start investing and making money from the comfort of your bedroom? Then you need a money making app to make that dream come true.

There are a lot of apps that can help you invest and make money in Nigeria. You can earn on savings investments, properties, agriculture, stocks, and cryptocurrencies. The opportunities are endless.

In this post, I’ll be showing you 5 of the best apps for investing and making residual income from Nigeria. You don’t need to be a pro or even rich to invest in these apps. For as low 5,000 Naira, you can start investing and grow from there.

Let’s take a look at the 5 best apps for investing and making money in Nigeria:


Carbon, formerly Paylater has transitioned from just a loan app to a banking app. Carbon is best for risk-averse investors who are looking to just keep their money safe and away from inflation. One interesting thing about Carbon is that they offer you 2% interest before you even decide to invest anything. For every deposit you make on Carbon, you will receive an interest of 2% per annum, which is paid monthly.

Carbon also has investment plans that pay between 9% and 11% per annum. The returns are paid at the end of the investment tenure or when you choose to liquidate your investment. 

All deposits on Carbon are insured by the NDIC, so your deposits are fairly safe.


Piggyvest over the years has evolved from just a savings app to incorporate foreign currency savings and private equity investments.

Piggyvest has a range of flexible products that would wow you. The Piggyflex allows you to save in Naira and gives you about 8% interest per annum, Flexdollar helps you save in dollars and gives an interest of 7% per annum, Piggybank helps you save strictly for long-term goals in return for 8% interest per annum, and Investify gives you different options to invest in private equity for as low as 5,000 Naira.

Piggyvest is one of the pioneers of app investing in Nigeria, and is at the forefront of innovation when it comes to democratizing investment products. Deposits on Piggyvest are insured by the NDIC, while most of their private equity investments are insured by Leadway Assurance.


Risevest in partnership with ARM Trustees Limited offers opportunities for Nigerians to invest in U.S dominated portfolios. With just $10 which is equivalent to 5,000 Naira, you can start investing in U.S stocks, real estate properties, and fixed income assets.

Risevest offers some of the highest return on investment when you consider the safety of their investments. Depending on the portfolio you choose to invest in, you can earn between 10% and 15% interest per annum.


Branch is like the bank app I never had. They offer loans at very good interest rates, a banking wallet with free transfers to other banks, and an investment option that pays up to 20% per annum.

One good thing about Investing with Branch is that with their flexible investment plan, there is no obligation whatsoever. There is no lock period like other investment apps, and there is no minimum investment amount.

It’s just like you put money in your bank app or wallet and the money grows automatically according to their tiered 15% and 20% interest per annum. It’s so seamless that sometimes, I just send money to my Branch app instead of my bank account.

Heck, I sometimes mistaken my Branch wallet for my bank app. That is how good it is.


If you are an ardent follower and believer of Cryptocurrency, then you would have come across the Binance app. It is one of the best platforms to buy and sell cryptocurrency in Nigeria.

Following the recent CBN ban on crypto in Nigeria, Binance has now become even more essential for active traders of bitcoin crypto in Nigeria. The P2P feature on Binance is now the go-to place to trade cryptocurrency from Nigeria.

To make money on Binance, you have to be knowledgeable about cryptocurrencies and follow industry trends that may affect crypto prices.


Contrary to popular opinion, you can successfully make money with your phone right here in Nigeria. You just need to know what app to get and where to put your money.

The app listed in this post can be utilized by different kinds of investors. From the risk-averse to the fast-moving, interest-grabbing investor. It just depends on what kind of risk you can handle and what your financial goals are.

This post is not definite and does not serve as financial advice. You need to do your own due diligence and decide for yourself if investing with any of these apps is worth the risk.




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