---
title: "PlutusNeo: Savings Plans and Investing — Fees"
description: "Save and invest in Nigeria in Naira or USD: OptiFlex from ₦1,000 at 6% (5 withdrawals/month) and OptiLock from $100 at 6–10% for 60 days–2 years."
canonical_url: "https://liners.com/plutusneo"
markdown_url: "https://liners.com/plutusneo.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/optimus/screenshot.webp?v=1773305817526"
published_at: "2026-03-12T12:14:04.995Z"
updated_at: "2026-10-05T05:13:19.593Z"
---

# PlutusNeo: Savings Plans and Investing — Fees

Save and invest in Nigeria in Naira or USD: OptiFlex from ₦1,000 at 6% (5 withdrawals/month) and OptiLock from $100 at 6–10% for 60 days–2 years.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [PlutusNeo](/plutusneo)

## Summary

Save and invest in Naira or Dollars from one app

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

## Product details

| Field | Value |
| --- | --- |
| Website | https://optimus.ng/ |
| Tagline | Save and invest in Naira or Dollars from one app |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Investments](/tags/investments): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Wealth Management](/tags/wealth-management): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/plutusneo/alternatives)
- [Reviews](/plutusneo/reviews)
- [Transparency](/plutusneo/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/plutusneo)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)