A multi-asset investment app — US & Nigerian stocks, Treasury Bills, dollar fixed returns, expert-managed portfolios, and a naira savings product (up to 16.25%), through an SEC-licensed digital sub-broker. Not a bank; not NDIC-insured.
All plans 7
PlanTypeRate p.a.LockMinEarly exit
Naira SavingsFEATURED90d 12.25%180d 14.25%365d 16.25%
fixed
up to 16.3%rate varies by tenure — see laddernominalupfront
3 months
₦1,000
—
Treasury BillsUnit-priced · NAV — · offer — / bid — · low risk · TER 0.2%–0.33% of AUM (already in NAV returns)
fund
Variableno fixed rate — measured by us
Fixed term
₦10,000
—
Fixed Returns30d 3%90d 4%180d 5%270d 6%364d 7%
fixed
up to 7%rate varies by tenure — see laddernominal
1 month
—
—
Managed Portfolio (Xantos Labs)Managed portfolio · returns tracked by naira value · high risk13.30% YTD, as of 7 Jul 2026 — historical, not guaranteed
fund
Variableno fixed rate — measured by us
None
—
—
Low-Risk Assets MixUnit-priced · NAV — · offer — / bid — · price-appreciation+dividends · low risk268.47% 8-year cumulative, as of 7 Jul 2026 — historical, not guaranteed
fund
Variableno fixed rate — measured by us
None
₦5
none
Medium-Risk Assets MixUnit-priced · NAV — · offer — / bid — · price-appreciation+dividends · low risk196.22% 8-year cumulative, as of 7 Jul 2026 — historical, not guaranteed
fund
Variableno fixed rate — measured by us
None
₦5
none
High-Risk Assets MixUnit-priced · NAV — · offer — / bid — · price-appreciation+dividends · low risk110.14% 8-year cumulative, as of 7 Jul 2026 — historical, not guaranteed
fund
Variableno fixed rate — measured by us
None
₦5
none
Each tracked plan is tested with its own real-money deposit and ranks separately on the board. Untracked plans show the app's own advertised rate.
Best for
Nigerians who want one app for dollar (US stocks, fixed returns, managed portfolios) AND naira (NG stocks, T-bills, naira savings) investing, under SEC regulation, and who understand these are market/fund investments — not insured deposits.
Not great for
Anyone needing NDIC-insured, capital-guaranteed savings, or guaranteed returns — everything here carries market/fund risk (even "Naira Savings" is an SEC fund, and stocks/managed mixes can fall).
Pros
- +Genuinely broad, dual-currency menu in one SEC-regulated app — US & NG stocks, T-bills, dollar fixed returns, managed portfolios, and naira savings
- +Transparent T-bill pricing — shows effective yield AND the custody fee, so the real net return is visible up front
- +US assets custodied by DriveWealth (FINRA/SIPC); naira products run through SEC-licensed fund managers
Cons
- –NOT a bank / NOT NDIC-insured — "Naira Savings" is an SEC fund, not an insured deposit; capital is at market/fund risk
- –Managed Portfolio's shown 8-year returns are risk-inverted (low-risk 268% > high-risk 110%) — treat the headline mix figures with caution
- –"Up to 16.25%" naira savings is only the 364-day rung (90-day = 12.25%), and it pays interest upfront despite "withdraw anytime" marketing
Our honest take
Bamboo is one of the broadest investment menus in Nigeria — dollar and naira, stocks to T-bills to managed portfolios — and it's SEC-licensed with credible custody (DriveWealth/SIPC for US assets). Its T-bill flow is refreshingly honest, showing effective yield net of a stated custody fee. Two things to read past the marketing: "Naira Savings" is an SEC fund, not an NDIC-insured deposit (and it's a fixed-tenor, interest-upfront product despite "withdraw anytime" copy); and the Managed Portfolio's 8-year figures are risk-inverted, so don't take the mix headline at face value. Used as a diversified SEC-regulated investment app with eyes open on market risk, it's strong.