Nigeria most popular savings and investment app; Lock, Flex, Target, and invest in one place
All plans 12
PlanTypeRate p.a.LockMinEarly exit
Flex Wallet
flexible
12%
None
₦1,000
None
SafeLock
locked
15%rate may vary if paid upfront
10–30 days
₦1,000
No early access
SafeLock
locked
16%rate may vary if paid upfront
31–60 days
₦1,000
No early access
SafeLock
locked
17%rate may vary if paid upfront
61–90 days
₦1,000
No early access
SafeLock
locked
17.5%rate may vary if paid upfront
91–180 days
₦1,000
No early access
SafeLock
locked
18%rate may vary if paid upfront
181–270 days
₦1,000
No early access
SafeLock
locked
18.5%rate may vary if paid upfront
271–365 days
₦1,000
No early access
SafeLock
locked
18.5%
365–730 days
₦1,000
No early access
SafeLock
locked
18.5%
731 days
₦1,000
No early access
Flex Dollar
flexible
6%
None
₦1,500
None
Target Savings
target
14%
None
₦2,000
Forfeit all accrued interest and pay a 1% feee
PiggyBankFEATURED
fixed
16%
3 months
₦50
3.5%
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
Beginners wanting flexible plus disciplined locked savings with strong brand trust
Not great for
Users chasing the single highest rate(Locked plans pay more than flex)
Pros
- +Market leader and huge trust
- +6 million users
- +''flexible + locked +invest in one app'' entry as low as 1000 naira
Cons
- –Not a bank
- –Not direcly NDIC-insured
- –Top rates require locking funds
Our honest take
The default anchor app, broad, trusted, easy. Flex for access, safelock for yield.