Today on the blog, I’d like to share 7 Nigerian FinTech Apps for Gen Zs. If you’re wondering what FINTECH means, it means financial technology. FinTech is all about making financial services, transactions, and payments more convenient. Gone are the days when completing a transaction took up half of your day. The speed with which you get attended to is determined by the number of people in the queue before you once you arrive at the bank.

With e-commerce and the accessibility of overseas transactions, FinTech has reduced the time it takes to import a single item from six months to a year. From bank tellers to receipts, ATM cards, POS terminals, online transactions, and now virtual cards and cryptocurrencies. We’ve come a long way. Let’s share some of the top FinTech apps in Nigeria.

Nigerian FinTech has a broad scope that is getting broader day by day. It is not based on only the banking system and insurance companies, but it affects every profession and commercial industry. This is because it is not only about digitising money but also about monetizing data to fit into the digitised world. It has huge potential benefits for all businesses, especially new and existing small businesses.



piggyvest top 7 nigerian fintech apps for Nigerian Gen Zs

Piggyvest is one of the foremost FinTech apps in Nigeria. It’s like your traditional savings box, but online. Piggyvest has different saving platforms in its app. There is Piggybank which is Automated Savings. Safelock operates as Fixed Savings. Target savings, Goal-oriented saving, and saving towards multiple goals on your own or with a group.

Then, there is Piggy Flex Naira, which allows Flexible Savings. Save, transfer, withdraw, manage, and organise your money for free at any time. There are also Investify and Piggy Dollar, which allow users to invest in different businesses like agriculture, etc. and to save their money in dollars. The interest rates on Piggyvest range from 8% to 13%. Somto Ifezue, Odunayo Eweniyi, and Joshua Chibueze are the co-founders of PiggyVest�


cowrywise for nigerian gen Zs

Cowrywise is also an online savings platform like Piggyvest. In addition to its savings and investing tools, Cowrywise also comes with a financial planner for its users. Save money with your friends in circles, create a Stash, and invest in mutual funds. You are spoilt with options on the Cowrywise app. Just picture the endless possibilities that come with Cowrywise. Razaq Ahmed�is the founder and CEO at Cowrywise.


propsa 7 nigerian fintech app for nigerian gen Zs

Getprospa is the top option for entrepreneurs and business owners. Business owners can open a bank account in one of the most convenient ways possible. Entrepreneurs and business owners can manage their operations while on the go. They can also set up an e-commerce store, manage products, and automate employee payments. Sign up with Get Prospa if you want to simplify your business. The founders of Prospa are Rodney (Akinwunmi) Jackson-Cole, Chioma Ugo, and Frederik O.


top nigerian fintech apps for Nigerian youths flutterwave

This is the FinTech startup that opened the eyes of investors and other startups in Nigeria, literally. Flutterwave is a payment service provider. The company simplifies payments for endless possibilities. From freelancers to small-scale businesses, banks, and even big companies, Flutterwave serves all categories of business owners.

Create an online store and virtual cards, generate invoices, build your apps with their API, build websites and even pay for subscriptions. Flutterwave has also helped out other startups by acquiring them, giving out grants and even funding them. One of which caught my fancy is Disha. Flutterwave was founded in 2016 by Iyinoluwa Aboyeji and Olugbenga Agboola, a Nigerian software engineer and entrepreneur, is the CEO and co-founder of Flutterwave.

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fwealthng app for Nigerian gen z is a finance app that allows users to buy stocks, mainly Nigerian stocks. This is one of the easiest and most understandable stock-buying apps in Nigeria. is regulated by the SEC, so your funds are safe. On, you can buy stocks, treasury bills, and bonds. is an affiliate of Sankore Securities Limited. 


fintech app for gen zs

Paystack is an app for receiving payments online from anywhere in the world. With the Paystack app, businesses in Africa accept payments from anyone, anywhere in the world, via credit card, debit card, money transfer, and mobile money on their websites or mobile apps. It specialises in the fields of financial services, the Internet, and payments. The company was founded in 2015 and is headquartered in Ikeja, Lagos. Paystack was founded by�Shola Akinlade and�Ezra Olubi


7 fintech apps for nigerian gen z

Do you want to buy stocks from U.S. companies? Then, Bamboo is the right choice for you. Although other apps in Nigeria do the same, Investbamboo stands out like a few others. Bamboo holds all its accounts at a top-tier U.S. brokerage firm; a member of the Securities Investor Protection Corporation (SIPC). Bamboo is also registered with the SEC (The Security and Exchange Commission) in both the United States and Nigeria. Yanmo Omorogbe is a Co-founder and the COO at Bamboo.


Nigerian FinTech Apps aid transactions.

It makes transactions and data collection more convenient for both parties by reducing time and making transactions speedier.

They are faster and more efficient.

Its efficacy and efficiency contribute to an increase in customer patronage for small businesses.

Great for consumer-focused brands.

It aids in gaining the trust of customers. It helps to improve the element of keeping customers’ databases safe.

No hidden fees with Nigerian FinTech Apps

Nigerian fintech apps have greatly aided the financial system because there are no hidden fees, as opposed to traditional institutes and banks.

Tell us, which is your best fintech app, which do you use and is not on our list and why do you use it? Don’t forget to sign up for my weekly newsletters here.

This article was co-written with Adeyanju Oluwatoyin. Like they say, THIS IS NOT FINANCIAL ADVICE.


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