Optimus by Afrinvest — review & details

In Savings & fixed deposits · By the Rateweb editorial team · How we rate · Details checked 1 Aug 2026

A savings-and-investment app from the Afrinvest stable, offering flexible (OptiFlex) and locked (OptiLock) plans plus treasury bills, commercial paper and naira/dollar equities. The operator states it is SEC-licensed as a funds/portfolio manager, with funds managed by Afrinvest Asset Management.

Optimus by Afrinvest

A savings-and-investment app from the Afrinvest stable, offering flexible (OptiFlex) and locked (OptiLock) plans plus treasury bills, commercial paper and naira/dollar equities. The operator states it is SEC-licensed as a funds/portfolio manager, with funds managed by Afrinvest Asset Management.
★★★★☆
4.0/5 · How we rate
None advertised
Monthly Fee
SEC funds/portfolio manager (stated)
Licence
Investment products — capital at risk, not NDIC deposit insurance
Deposit Safety
Stepping up from saving into fixed income
Best For
digital
Type
Pros
  • Backed by Afrinvest, a long-established Nigerian investment house
  • Low entry point — flexible plans start from ₦1,000
  • Ladder from simple savings into T-bills, commercial paper and equities in one app
Cons
  • These are managed investments, not insured bank deposits — capital is at risk
  • Locked plans run 60 days to 2 years; money is genuinely tied up
  • Advertised plan rates are modest next to the money-market funds it competes with
Fees, eligibility & documents
Fees
Plan feesNone advertised on savings plans
Early exit from OptiLockLock-in applies for the chosen tenor
Eligibility
  • Nigerian resident
  • 18 or older
  • BVN for identity verification
Documents needed
  • BVN
  • Valid ID
  • Passport photograph for account verification
Visit Optimus

How Optimus by Afrinvest compares in savings & fixed deposits

Optimus by Afrinvest scores 4.0/5 in our savings & fixed deposits rankings. Our current top pick is Cowrywise (4.3/5). Always compare a few before you decide — see the full savings & fixed deposits comparison.

Optimus by Afrinvest
4.0/5 · this page
 Cowrywise
4.3/5
 PiggyVest
4.2/5
Monthly Fee None advertised — —
Licence SEC funds/portfolio manager (stated) — —
Deposit Safety Investment products — capital at risk, not NDIC deposit insurance Not NDIC-insured Not NDIC-insured
Best For Stepping up from saving into fixed income Mutual funds, naira + dollar, Halal Saving discipline + auto-save
Visit Optimus → Visit Cowrywise → Visit PiggyVest →

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Details last checked: July 2026

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