How to Use Piggyvest Save and Earn


Launched in 2016, Piggyvest is a Nigerian Fintech startup designed to offer a secure and convenient way for individuals to save money periodically (daily, weekly, or monthly) and invest in low-risk investment options with competitive returns. PiggyVest users can save towards specific goals, like rent, travel, or emergency funds, and earn interest on their savings.

How to Use Piggyvest Save and Earn
How to Use Piggyvest Save and Earn

How to Use Piggyvest Save and Earn

Over the years, PiggyVest has expanded its services to include features like direct investment in agriculture, real estate, and other fixed-term investments, providing a broader range of options for users to grow their wealth.

This platform is one of the pioneers in the Nigerian FinTech space to leverage technology for automated savings and investments, making financial discipline more accessible to a wide range of people.

It is part of a broader movement within Africa to increase financial inclusion and literacy by leveraging digital platforms.

How Does PiggyVest Work

PiggyVest works  by providing a digital platform piggy vest allows customers to easily save money and invest with a focus on achieving financial goals and earning returns on savings and investments.

Users can start by signing up on the PiggyVest website and creating an account. Savings in PiggyVest earn competitive interest rates, which are typically higher than what traditional banks offer.

However, the interest rates vary depending on the savings plan chosen and the amount saved. PiggyVest offers various savings plans tailored to different user needs and goals such as:

  • PiggyBank: For daily, weekly, or monthly savings where users can set automatic deductions to save a specific amount regularly.
  • Safelock: Allows users to lock funds away for a fixed period without access until the maturity date. It’s ideal for saving towards specific future expenses.
  • Target Savings: Designed for users saving towards a specific goal with friends or solo. It’s suitable for group savings like events, projects, etc.
  • Flex Naira: Offers a flexible savings account where users can save at any pace and withdraw a certain number of times monthly without losing interest earnings.

Users can withdraw their savings and the interest earned based on the terms of their chosen savings plan. Some plans allow for immediate withdrawals, while others, like Safelock, restrict access until the end of the saving term. Additionally, users can fund their savings through direct deposit from their bank accounts, debit card transactions, or through bank transfers.

PiggyVest Interest Rate – How Much Interest Does PiggyVest Give

Here is a general idea of what the interest rates might look like, although for the most current rates, you would need to check PiggyVest’s website or contact their customer service directly:

  • PiggyBank Savings: Interest rates for the standard PiggyBank savings could range from around 5% to over 10% per annum, depending on how often you choose to withdraw your funds and other factors.
  • Safelock: This feature allows you to lock away funds for a fixed period, offering higher interest rates, potentially up to 13% per annum or more, reflecting the commitment to not accessing these funds until the maturity date.
  • Target Savings and Flex Naira: These savings options might offer slightly different rates, with the flexibility of the Flex account potentially leading to lower rates compared to targeted savings accounts, which could encourage longer-term saving with slightly higher rates.
  • Investment Options: The interest rates for investment products available through PiggyVest can vary widely based on the specific investment, its duration, and the associated risks. These could be significantly higher than the rates for savings accounts, reflecting the higher risk and longer commitment typically associated with investments.

PiggyVest Investments

Beyond savings, PiggyVest provides users with opportunities to invest in low-risk investment options. These options could range from agriculture to real estate and are carefully vetted to ensure they provide a balance of safety and competitive returns.

With PiggyVest investments users can track their savings growth, manage their investments, and adjust their savings plans directly from their devices, making it an efficient tool for personal finance management.

Benefits of Using PiggyVest

Using PiggyVest can offer several significant benefits, especially for individuals looking to improve their financial habits and grow their savings.

Here are some key reasons why using PiggyVest is important:

  • PiggyVest encourages a disciplined approach to saving, making it easier for users to develop and maintain a consistent savings habit. With features like automated savings, users can set specific amounts to be saved at regular intervals without having to manually transfer funds.
  • Compared to traditional savings accounts offered by banks, PiggyVest typically provides higher interest rates on savings. This means users can grow their savings faster and earn more from their stored funds.
  • PiggyVest allows users to save towards specific goals, whether it’s for a personal project, emergency fund, vacation, or significant purchase. This targeted approach helps users stay motivated and focused on their financial objectives.
  • The platform also offers various savings plans, catering to different needs and preferences. Whether users prefer locking away funds for a fixed period or desire the flexibility to save and withdraw at will, PiggyVest has options to accommodate these needs.
  • Using PiggyVest helps users learn about financial planning and management. The platform’s resources, blog posts, and customer service can educate users on the basics of savings and investments, fostering greater financial literacy.
  • PiggyVest offers a secure platform for managing savings and investments, with transactions possible from anywhere at any time. This convenience, combined with the assurance of safety for their funds, makes it an attractive option for many users.
  • By enabling users to save efficiently and invest wisely, PiggyVest plays a crucial role in helping individuals build wealth and work towards financial independence.

How to Log in to Your PiggyVest Wallet Account at

To log in to your PiggyVest Wallet account via the website, follow these simple steps:

  • Start by opening your preferred web browser on your computer or mobile device.
  • Type in the PiggyVest URL: for PiggyVest in your browser’s search bar.
  • Once you’re on the PiggyVest homepage, look for a “Log In” or “Sign In” button. This is typically located at the top right corner of the page.
  • Click on the “Log In” button, and you will be directed to the login page. Here, you will need to enter your registered email address and password that you set up when you created your PiggyVest account.
  • After entering your credentials, click on the “Log In” button to proceed.
  • If you have two-factor authentication activated for your account, you’ll be prompted to enter an additional code sent to your email or mobile phone. Input this code to complete the verification process.

That is all. Once logged in, you will be directed to your PiggyVest dashboard. From here, you can manage your savings, view your investment portfolios, set up new savings goals, and more.

How to Log in to Your PiggyVest Wallet Account on Mobile App

Logging into your PiggyVest Wallet account on the mobile app involves a simple process. Follow these steps to access your account via the PiggyVest mobile app:

  • If you haven’t already, download the PiggyVest app from the Google Play Store for Android devices or the Apple App Store for iOS devices. Search for “PiggyVest” in the store and install the app.
  • Once installed, tap on the PiggyVest app icon on your device to open it.
  • Upon opening the app, you should see the option to either log in or sign up. Tap on the “Log In” button to proceed to the login screen.
  • On the login page, you’ll be prompted to enter your registered email address and password. Make sure to enter the details exactly as you registered them, keeping in mind that the password field is case-sensitive.
  • After entering your credentials, tap the “Log In” button to access your account. If your details are correct, you should be successfully logged into your PiggyVest Wallet.
  • If you have two-factor authentication (2FA) set up for additional security, you may be prompted to enter a code sent to your email or phone number. Enter this code to complete the login process.

Ensure you have a stable internet connection. A poor connection can sometimes prevent you from logging in successfully.

How to Sign Up for a PiggyVest Account

Signing up for a PiggyVest account is a straightforward process that can be completed either through their website or mobile app.

Here are the steps to follow:

Via the PiggyVest Website:

  • Open your web browser and go to
  • On the homepage, look for a “Create Free Account” button, it is typically located at the top right corner of the page.
  • You will be asked to provide some basic information, such as your full name, email address, phone number, and password for your account. Ensure that the information you provide is accurate and secure, especially your password.
  • After submitting your details, PiggyVest may require you to verify your email address and/or phone number.
  • Check your email for a verification link, and possibly your phone for a verification code, and follow the instructions provided.
  • Once your email and phone number are verified, you will be prompted to complete your profile by providing additional information such as your bank details for withdrawals, date of birth, and other relevant details.
  • For added security, set up two-factor authentication (2FA) if offered.

Via the PiggyVest Mobile App:

  • Go to the “Google Play Store” or “Apple App Store” on your mobile device, search for “PiggyVest”, and download the app.
  • Launch the app once installed, and on the welcome screen, you should see an option to sign up or create a new account.
  • Similar to the website process, you will then need to enter your name, email address, and phone number, and choose a secure password.
  • Follow the prompts to input all required information accurately.
  • Look out for a verification email or SMS, and follow the instructions to verify your account.
  • Then complete any additional steps required to set up your account, such as adding your banking information for fund withdrawals.

Signing up for PiggyVest is the first step towards creating a disciplined savings habit and exploring investment opportunities. With your account now set up, you can start exploring Piggyvest’s features, and customize your savings plans. You can also begin your journey toward achieving your financial goals.


Is PiggyVest approved by CBN?

Of course, the Central Bank of Nigeria has given piggyvest its approval (CBN). It can therefore lawfully operate in Nigeria.

Can I make money with PiggyVest?

With PiggyVest, anyone may invest or save money in businesses and investment funds and get returns of at least 25% or more rapidly. (Within nine months or less, at most). The platform provides savings interest rates of up to 13 percent.

What is the highest interest rate on PiggyVest?

Using PiggyVest can yield annual interest rates of up to 35%, contingent upon the saving or investment option selected. Compound interest allows you to receive a small bonus on both the additional money you earn and the initial principal you invested.

How much is 10 points on PiggyVest?

Each PiggyPoint is worth N10.  Thus, 10 points on piggyvest would be N100.  In essence, you gain more PiggyPoints the more you save.


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