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What is December without the Dettiness? It certainly had to be Detty, to be interesting. Well, we understand that part. However, now that it is January, it’s time to recuperate all the money spent.
These are 12 savings app that can help you recuperate the money spent in December while you save for new projects.
The first app in this category is Cowrywise. Cowrywise is a mobile application that can help you recoup your spending as soon as possible. The application offers an easy-to-use mobile application where you can save and invest funds. Cowrywise also offers a savings interest rate between 10-18% per annum, lesser than what you pay banks.
Another interesting saving app that can make you recuperate from the Detty spending is Kuda bank. Kuda offers a free saving platform devoid of maintenance or withdrawal charges. And like typical banks, kuda offers its users ATM cards that can be used to withdraw from partner banks. Interesting right? I think it is!
Meanwhile, the modern ‘Ajo’ saving platform Piggyvest comes next in this category. The platform enhances financial freedom by enabling users to save and invest at ease. The platform offers an interest rate between 10-15% for savings accounts and about 25% interest returns on investment. It also allows users to co-invest with other Piggyvest users (just like the age-long ‘ajo’).
ALAT, the first digital bank in Nigeria offers a moderately-priced savings account. Powered by WEMA, the fintech allows users to save, and pay in dollars. It also provides users with ATM cards that can be used anywhere in Nigeria. You don get ALAT!
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And like the former, Kolopay has its little incentive that encourages you to save money (autosave). But unlike other saving apps, Kolopay allows you to invite people to crowdfund your kolo account. So instead of people giving gifts directly, they can simply fund your Kolo account. That is the way to go if you ask me.
Also, Eyowo is the latest saving and lending platform that can make your year clean. It enables you to save and borrow from your mobile phone.
I am sure you have also heard of OWealth, the Opera Mini-owned investment platform. The return of investment is 10% per annum. Though the interest rate may not be as high as the other platform; if your goal is to save via your mobile app, then you may want to try them out.
Beyond the simple saving and investment platforms, we also have crowdfunding platforms.
A platform like Crowdyvest allows users to fund various businesses owned by the company. Users can fund a specific block in the business for interest.
Some full-fledged investment platforms offer only investment products and services. These include:
Trove, a simplified investment platform that enables you to invest as low as $3 (N1000) in shares or bonds. You can also invest in stocks of companies in Europe and the United States. You should check them out.
Just like Trove, Bamboo operates a mobile platform where you can invest in stocks across Africa and the United States.
I-Invest enables you to buy into treasury bills from your mobile device.
Wealth.ng also allows you to invest and manage various stock accounts across various platforms on the app. The platform also enables users to invest in any currency of choice.
So, if are you thinking what I am thinking, you can make the year clean. If you ain’t, you might be running at a loss for the next 365 days.
Wise up your savings plans and invest in a new cause this season. A clean 2020 is possible with the right investment. Download the apps and start saving right away.
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