Investment App in Nigeria — Invest Online & Track Your Portfolio
Put money to work, and follow it in one portfolio view.
Investing usually sounds like something for people with brokers and spreadsheets. InspireMe Pay keeps it simple: an investment plan tells you what it pays and for how long before you put anything in.
Your portfolio sits in the app, so you can see what you hold, what it has earned and when it pays out — rather than trying to remember where you put what.
When a public offer is open, IPO subscriptions are available in the same place, with the price and the closing date shown before you subscribe.
Ways to invest
Investment plans
Choose a plan, fund it from your wallet and see the rate and term before you commit.
Portfolio view
All your active investments in one place, with the amounts, dates and returns you hold.
Returns at maturity
When a plan matures, your capital and the return are paid back into your wallet balance.
IPO subscriptions
Subscribe to public offers from the app while a subscription window is open.
Investment history
Every plan you have started, matured or withdrawn stays on record.
Funded from your wallet
Invest from the same balance you use for payments — no separate funding step.
How it works
- 1Open Investments and review the plans that are available.
- 2Choose a plan and a term, and read the expected return before confirming.
- 3Enter the amount you want to invest from your wallet balance.
- 4Confirm, and the investment appears in your portfolio.
- 5Track it in the app until it matures and pays back into your wallet.
Why use InspireMe Pay for this
Available across Nigeria
Investors across Nigeria — in Lagos, Abuja, Port Harcourt, Ibadan, Kano, Benin City and beyond — use InspireMe Pay to put small, regular amounts away into investments rather than waiting for a lump sum.
More ways to use your wallet
Pay bills online →
Electricity tokens, TV, internet, airtime and data from one wallet.
Airtime to cash →
Convert MTN, Airtel, Glo and 9mobile airtime into spendable funds.
QR payments →
Scan and pay as a customer, or collect payments as a merchant.
Send money →
Bank transfers, wallet-to-wallet payments and a virtual account to receive on.
Virtual & physical cards →
Naira and Dollar virtual cards, plus physical debit cards you can carry.
International accounts →
USD, EUR and GBP accounts, plus cross-border payments for Nigeria.
Savings →
Fixed savings plans that earn interest, with auto-save from your balance.
Loans →
Short-term loans from your wallet, subject to eligibility.
WhatsApp banking →
Send money, buy airtime and pay bills by chatting on WhatsApp.
USSD banking →
Check balance, send money and pay bills without internet.
Voice banking →
Pay bills and send money by speaking, in four Nigerian languages.
Airtime & data →
Instant recharge and data bundles on all four major networks.
Live metering →
Buy prepaid tokens and monitor your meter balance live.
Flight booking →
Search and book local and international flights from your wallet.
Event tickets →
Buy tickets for concerts, shows and events, paid from your wallet.
Merchant payments →
QR collections, inventory, sales reports and staff access for SMEs.
Languages →
Use the wallet in English, Yoruba, Hausa or Igbo.
See everything →
All InspireMe Pay services, channels and security features.
Frequently asked questions
How do I start investing on InspireMe Pay?
Open the Investments section, choose an available plan and term, read the expected return, enter the amount you want to invest from your wallet balance and confirm. The investment then appears in your portfolio with its dates and return.
What returns do investments pay?
Each investment plan carries its own rate for the term offered, and that rate is shown on the plan before you commit any money. Rates vary by plan and term, and the applicable figure is always displayed at the point of investment.
How long are investments held?
Each plan states its own term. Some are shorter and some run longer, and the term is displayed alongside the rate before you confirm. At the end of the term the investment matures and is paid back to your wallet.
Can I subscribe to an IPO through InspireMe Pay?
When a public offer is open for subscription, it appears in the app with the price and closing date. You can subscribe from your wallet, and the subscription is recorded in your investment history.
Are there risks with investing?
Investments carry risk, and returns are not guaranteed by InspireMe Pay. Each plan shows its rate and term so you can make an informed choice, and you should only invest amounts you are comfortable committing for the term.
Start with your wallet
Create a free InspireMe Pay account, fund your wallet, and use it from the app, WhatsApp, USSD or by voice.