What are the best money saving apps in Nigeria?

best money saving apps in Nigeria

Saving your money is a sure way of securing your financial future and ensuring you meet both short term and long-term goals. It is also a way of making sure you can maintain a certain standard of living irrespective of what happens.We will be looking at some of the best ways to save your money, as well as some interesting apps that could help you achieve this end. These apps are different from each other in their features and how they work, so we will pick out the key points for each one so that you can see which one might be the most ideal for you!

Best Money Saving Apps In Nigeria


Cowrywise is a savings app that allows you to save money in a digital wallet. The app is available on both Android and iOS, so you can download it regardless of your operating system. You earn interest on your savings and can use the money in your wallet to pay bills or make bill payments. Cowrywise will also send you alerts when there are new offers available that can help improve your credit score, which can be very useful if you’re trying to build up your personal finances.

You can also transfer money with someone else using their phone number or email address. This means that if you don’t have a bank account, no matter who they are or where they are located, they can still send/receive money from you through Cowrywise! It’s really easy as well: just enter your amount and name then click “deposit” next time when someone sends money over again (or vice versa).

Alat by Wema

Alat by Wema is a digital banking app that provides a wide range of financial services such as money transfer, bill payments, airtime top-up and so on. It can be used for making payments at different locations like restaurants, hotels and fuel stations. You can also have your mobile recharge done via the app easily.

Alat by Wema App Features:

  • Easy registration process
  • Instant access to your account information at any time you need it
  • All the features are up-to-date in real time


Piggyvest is a digital savings platform that allows Nigerians to save money and earn interest. Piggyvest was founded by a Nigerian software engineer named Osas Obaigbena. The company’s mission is to make it easier for individuals and businesses in Nigeria to save their hard-earned money, so they can afford things they otherwise wouldn’t be able to buy.

Piggyvest has several features that make it easy for users to manage their accounts, including:

  • Automatic deposits into your account every month (with no minimum balance)
  • Free transfers between other Piggyvest accounts

Flutterwave store

Flutterwave store is a mobile banking platform that allows users to send money to any bank account in Nigeria. It is a mobile app that allows you to send money to any Nigerian bank account.


PennyBoxApp is a savings app that helps you save money on your phone. It allows you to save money in different ways and it also allows you to earn rewards for saving money. The best part about this app is that it has a great interface, which makes it easy to use even for beginners. This app also has a great feature called “Transfer,” which allows users to transfer money from their bank accounts into their PennyBoxApp account instantly, without having them go through any unnecessary steps or processes. The best part about this feature is that it only takes 2 minutes and 45 seconds!


Kolopay is a savings app that helps you save money. You can save on your daily purchases and get cashback; you can also get discounts on your monthly bills and get cashback on them as well.

If you’re like me and don’t always have time to compare different offers, Kolopay makes it easy for you by offering one single suggestion every day based on your location, time of purchase and type of store/service provider.

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Korapay is a cross border remittance platform focused on reducing the cost of money transfer and increasing its speed into and within Africa. Korapay allows individuals in the United States to send money within minutes to the bank account of anyone in Nigeria.