What is PlutusNeo and how does it work?

PlutusNeo by Afrinvest is a digital investment platform that helps users save and invest in Naira and Dollars, offering features like multi-currency wallets, automated investment recommendations, target savings plans (OptiTarget), stocks trading, and funds. It has rebranded to PlutusNeo, which harmonizes banking, wealth management, and brokerage into one platform with products like OptiSaver (OptiLock and OptiFlex) for earning interest on savings. Users can download the app, sign up, fund their wallet via multiple channels, create savings targets or investment plans, buy stocks or funds, and track performance.

How do I sign up for PlutusNeo ?

Download the PlutusNeo app, complete seamless onboarding, and fund your wallet through multiple channels like bank transfer, Paystack, or direct debit.

Does PlutusNeo have a mobile app?

Yes, PlutusNeo is available on iOS and Android. You can download PlutusNeo on the App Store for iPhone, or get it on Google Play for Android.

Who is PlutusNeo best suited for?

PlutusNeo is best suited for everyday Nigerians seeking accessible wealth management, including savers, investors in stocks and funds, and ethical investors preferring no-interest products.

How do I contact PlutusNeo support?

Contact PlutusNeo support through the help center at support@optimus.ng or via the app.

PlutusNeo

🇳🇬 Nigeria

A Nigeria-focused fintech app for individuals to save in Naira or Dollars, invest in fixed income and equities, automate deposits, and track portfolios.

Use it on:Web Android· 4.2 iOS· 3.7

Is PlutusNeo right for you?

Best for

Nigerian individuals
Naira savers
Dollar savers
Fixed income investors
Equity investors

What it does well

Save in Naira
Save in Dollars
Fixed income investing
Equities investing
Automated deposits

Things to check

Dollar funding options
Withdrawal timelines
Minimum deposit amount
Investment product list
Portfolio tracking detail

PlutusNeo is a mobile-first fintech platform for individual users in Nigeria to save, invest, and track personal wealth in one place, with support for Naira and Dollar transactions.

Key capabilities include:

Savings plans: OptiFlex (minimum ₦1,000, up to 5 withdrawals per month, 6% interest) and OptiLock (minimum $100, 60 days to 2 years lock-in, 6% to 10% interest; 30% of accrued interest penalty if broken before maturity). Interest is accrued daily and compounded monthly.
Investments: Access fixed income instruments such as Treasury Bills and Commercial Papers, plus equities (NGN and USD). Users can monitor holdings via the Portfolio module.
Funding and account tools: KYC registration uses details including BVN, and the platform supports automated deposits with manual top-ups when a scheduled savings day is missed. Deposits and withdrawals are stated to take under 5 minutes.
Guidance and support: Investment questions can be routed through a chatbot to financial advisers.

Available on Web (signup/login portal), Android, and iOS.

PlutusNeo targets retail customers in Nigeria who want goal-based savings and access to investments without using multiple apps.

It is notable for its link to regulated asset management in Nigeria, with users’ funds invested through Afrinvest Asset Management Limited, which is SEC-licensed as a portfolio manager, and for offering both NGN and USD saving and investing options in a single consumer product.

As of Jun 22, 2026, PlutusNeo is rated 3.7 on the App Store from 48 reviews and 4.2 on Google Play from 1.7K reviews with 100K+ installs.

Social Links:

Categories:

Fintech

Features & Business Model:

b2c investments multi-currency savings wealth-management