How To Earn Money By Saving And Investing With Piggyvest In 2021


Piggyvest is an online “Savings & Investment” app, and the first of its kind in West Africa. PiggyVest (formerly lunched as is a simple application that makes it easy to save and invest effortlessly. With Piggyvest, you can quit spending unnecessarily and set aside (and grow!) funds which you would prefer not to touch. In Nigeria, the website and app are very popular.

piggyvestYou have the option of saving small sums of money on a regular basis (this could be daily, may be weekly, or even monthly) with a specific target or towards a particular objective OR locking funds away for a set period of time or predetermined timeframe.

Saving with Piggyvest will help you take away the stress and burden of managing your finances by incorporating ease, discipline, and needed flexibility to help you achieve a financial goal.

This app gives users the opportunity to invest their funds in a wide variety of projects that would yield up to a 25% return on their investment within a small period of 8 months or a little longer. Saving money will earn you up to 13% interest. This platform is known in Nigeria as one of the largest online savings and investment site or platform.How are interests paid?

  • Core Savings Interest is accumulated daily on your balance, and paid monthly (This is available from the 1st of every month).
  • SafeLock- Interest is paid upfront into your Flex account. You can access the interest immediately for free.
  • Target Savings- Interest here is accrued everyday, this would reflect on your target dashboard, and payment is available at the end of your target period.

>>Learn More

Piggyvest Savings Options

There are a variety of ways to save money in PiggyVest. You have the option of saving as an individual or collectively as a group. You can save with anyone e.g. your wife, brother, friends etc. When you save all of the little money you waste every day, week, or month, it adds up to a large sum. It’s a smart idea to save for rainy days.


As at time they were, they operated in partnership with 2 Microfinance banks and whose licenses were used.

In 2018 however, they acquired Gold Microfinance bank and its license. They are also a registered cooperative [Piggytech Cooperative Multipurpose Society Limited (with registration number: 16555)]. 

More so, all saved funds are warehoused with and managed by AIICO Capital, the leading asset management company in Nigeria. AIICO Capital is registered and licensed by the Securities and Exchange Commission (SEC) which is extremely safe and guaranteed. A part of the returns is paid to Piggyvest Users as interests accrued on their savings. >> Learn More Here


User can make withdrawal of their savings for FREE but only on set Withdrawal dates. Piggyvest FREE withdrawal dates are:

  • 31st March
  • 30th June
  • 30th September
  • 31st December

 You can also set your own FREE withdrawal dates, if you do so, the next FREE date must be exactly three (3) months after the last free withdrawal date. If however, you decide to make withdrawals on dates order than the free withdrawal dates, it would attract a penalty of 2.5% fee to be deducted from the amount withdrawn. >>Learn More Here!

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After a withdrawal request is made, the funds would be sent to your stipulated bank account instantly [not more than three (3) working hours].


PiggyPoints is also a way PiggyVest rewards users when they save consistently. This means that the more you save in your Piggybank and Target wallet the more points you earn. 1 Piggy point is equal toN10.

This starts when you save at least N2000 from your debit card to your Piggybank or Target wallet ONLY.

  • N2000 – N4999 = 1 point
  • N5000 – N9999 = 2 points
  • N10000 – N49999 = 10 points
  • N50000 – N99999 = 25 points
  • N100000 and above = 55 points


PiggyVest also rewards her users who refer friends and families or others to sign up with them. How does this works?  When someone signs up to PiggyVest with your referral link, you and the person referred each would earn N1000; this is paid into your “SafeLock”. The SafeLock matures to your Flex Naira wallet, 10days after the user referred is marked ‘Valid’

New Piggyvest users are considered valid, when they:

  • Link their BVN and also fund their Flex Naira wallet with a minimum of N100 via a direct bank transfer to their flex account number
  • Fund any other two wallets with at least N1000 each. This could be Piggybank, Safelock, or Target savings wallet.

After these, the referral bonuses would be unlocked and sent to your flex account at the date of maturity.

Questions often asked: Why BVN? BVN is required to validate the identity of a user and also to kick against identity theft. This helps to ensure another level of safety of your funds or transactions. It also unlocks other features to enable you make transfer to other Piggyvest user(s) from your Flex Account.

Sign up with my referral link and get ₦1,000 to start your own savings and investment journey . Sign Up Now>>


Account Creation

Account creation in PggyVest is very easy and can be achieved in less than 2 minutes, simply by inputting your full name, email, phone number and password in the account creation form. Start by creating a FREE Account at

Choose A Saving Option That Suits You

Piggyvest Savings Options

After your account creation, and email confirmation, choose from the various accounts, the saving schemes that suit(s) your plans. They are Piggy Bank, Flex Naira, Safelock, Target and Flex Dollar Savings. Read more about them>>> HERE:


PiggyVest provides her users with numerous investment opportunities. The minimum amount you can invest in some portfolios can be as low as N5000. To invest, start by creating an account here:

Then navigate to ‘Invest‘, ‘Investify‘ and ‘Invest Now‘…as simple as that!

Cheers and goodluck!

DISCLAIMER: This is not a financial advise!




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