Save. Invest. Spend. with PlutusNeo.
PlutusNeo helps you take full control of your money — all in one place. From saving to investing and wealth management, PlutusNeo brings everything together so you can focus on what really matters: achieving your financial freedom.
Supported by Afrinvest Asset Management — SEC Licensed
The funds saved on PlutusNeo by Afrinvest are invested through Afrinvest Asset Management Limited (AAML), a leading independent investment manager in Nigeria. AAML has over 20 years of experience and is licensed by the Securities and Exchange Commission (SEC) as a portfolio manager.
Save with
OptiFlex
With OptiFlex, you can save in Naira or Dollars, earn great returns, and withdraw your money anytime — no hidden charges, ever.
Start saving
Save with
OptiLock
OptiLock helps you set money aside for a fixed period and earn attractive returns, making it easier to stay disciplined and reach your goals.
Start saving
Save with
OptiTarget
OptiTarget allows you to set specific financial goals, automate your savings, and track your progress, all while earning attractive interest on your funds.
Start saving
Take control of
your finances.
You call the shots. PlutusNeo gives you the tools you need to keep track of payments, save for big goals, make investment decisions and plan your financial future.
Live without limits
Experience the freedom to save and invest seamlessly on one secure platform. Live without limits with PlutusNeo.
See Ahead
To Stay Ahead
See Ahead to stay Ahead
Access intelligent insights that help you make confident financial decisions — both now and in the years ahead.
Join our community
Get insights on growing your personal finance and building wealth by joining over a thousand optinvestors on our Telegram community.
Download the mobile app
You're just a tap away from hitting your financial goals. Download PlutusNeo on your android or iOS device to save, invest, and spend with ease.
Frequently Asked Questions.
To get started
Visit our website or download our app from Google Play or the Apple app store.
Click on sign up or create an account.
What are the requirements needed for registration?
The requirements needed to register on our platform include
First and last name
Valid email address
Valid phone number
BVN
Date of Birth
2. How long does it take to create an account?
It takes less than 5 minutes to create an account with PlutusNeo and 2 minutes to make an investment.
3. How do I send the documents needed for registration?
To send the required documents, take a scan of the document and attach it to your KYC profile on the platform.
PlutusNeo is a member of the ANDROMEDA Group, a leading diversified financial services group in Nigeria. PlutusNeo is a company incorporated by the Corporate Affairs Commission (CAC) and duly licensed and regulated as a Funds/Portfolio Manager by the Securities and Exchange Commission (SEC). Our goal is to ensure the safety of your funds and the sustainable growth of your capital as we work to meet and exceed your investment objectives.
PlutusNeo is a financial technology solution that helps you do the most. By harmonizing banking, wealth management, and brokerage needs into one simple platform, PlutusNeo is changing the way people interact with money to achieve financial freedom.
Just follow these simple steps:
1. Navigate to our homepage and click "Invest in Dollar Assets or Invest in Naira Assets” you will be redirected to create an account with us.
2. After you create an account, you will be required to complete your profile by submitting your KYC details.
3. You can either select from the suggested assets or choose from the list of diversified financial assets we offer.
We offer the various investment products below:
Fixed Income Instruments: The PlutusNeo fixed-income investment option will allow users to purchase available fixed-income instruments such as Treasury Bills, and Commercial Papers.
Equities (NGN & USD)
Yes, if you have a question that warrants investment advice, we have a team of financial advisors to support you. Kindly visit our chatbot to chat with an adviser.
There is no restriction on the number of investment plans a user can have.
Investments can be tracked on the “Portfolio” module on your account dashboard.
The minimum investment amount depends on the type of product
Treasury Bills
Commercial Papers
NGN stock
OPTISAVER products are designed to help you earn more and save better.
We have two savings products, OptiLock and OptiFlex
OptiFlex is a target savings plan that assists a client to save in a disciplined manner by automating the client’s debit instructions. This plan offers clients a fixed interest rate per annum and allows them to withdraw their funds at any time
2. OptiLock is your vault. We all need to strategically save as we earn. OptiLock allows you to save any amount of money and select a savings tenure be it 30 days, 60 days, 90days, etc. depending on a customer’s saving culture
With OptiFlex, you can save consistently towards a particular financial goal. You can create a personal target and earn more money while at it!
Log in to your dashboard and click on the 'Optiflex’ modal on the page then 'Create a Target'. Fill in the required fields and save the plan to activate it.
Yes, you can
Yes, you can break a locked target, but a penalty of 30% of your accrued interest applies if funds are broken before the maturity date.
The minimum lock-in period is 2 months/60days
The maximum lock-in period is 2 years, but savings can be auto renewed
Yes, you can! Simply log into your account and click on the withdraw option, then input the amount you want to withdraw.
Yes, you can
Yes, you can withdraw from your target savings at any time, but it is important to note that you can only withdraw once in 12 hours
The maximum number of withdrawals monthly is 5 times. Customer forfeits interest for that month after the 5th withdrawal
For Optiflex, the minimum investment is N1000
For Optilock, the minimum investment is $100
Yes
The system allows you to save manually anytime.
Yes, you can
Interest is accrued daily but compounded monthly
All you need to do is
Visit our website or download the app
Log in to your account
Select the service you wish to use
Click on add funds
Deposits take less than 5 minutes for your account to be credited
Yes, there is an option for automated deposits on our platform.
It is important to note that for your withdrawal process to be seamless, you need to fill in your bank account details.
To do this, simply follow the instructions
Go to Withdraw
Click on bank
Fill in the appropriate details
Select an active bank account
Then proceed to make your withdrawals by
Selecting the product, you wish to withdraw from
Click on “view details”
Choose the “withdraw” option
Withdrawals take less than 5 minutes for your account to be debited
To ensure savings discipline on our OptiFlex and OptiLock platforms, A certain % of the accrued interest only is charged to clients who fail to meet up with at least 70% of their target before making any withdrawals on OptiFlex
PlutusNeo gives 6% interest on OptiFlex and from 6% to 10% on OptiLock
Yes, PlutusNeo is licensed and regulated by the Securities Exchange Commission (SEC).