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Invest in Nigerian T-bills, stocks, and fixed income from your phone
PlutusNeo
A Nigeria-focused fintech app for individuals to save in Naira or Dollars, invest in fixed income and equities, automate deposits, and track portfolios.
PlutusNeo Product Overview
Is PlutusNeo Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian individuals
- Naira savers
What It Does Well
- Naira and dollar saving
- Fixed income investing
Things to Check
- Dollar funding method
- Withdrawal timeframes
About PlutusNeo
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.
PlutusNeo Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
What it does
Pricing & Fees
Variable pricingOptiflex minimum investment is N1000; Optilock minimum investment is $100. PlutusNeo gives 6% interest on OptiFlex and from 6% to 10% on OptiLock.
As of Oct 5, 2026, PlutusNeo is rated 3.7 on the App Store from 51 reviews and 4.3 on Google Play from 1.7K reviews with 100K+ installs.
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Compare PlutusNeo With Similar Products
Frequently Asked Questions About PlutusNeo
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.
PlutusNeo operates in Nigeria.
Download the PlutusNeo app, complete seamless onboarding, and fund your wallet through multiple channels like bank transfer, Paystack, or direct debit.
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.
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.
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