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Top Investment Apps in Ghana and How to Use Them (2025 Guide)

Mischief



Want your money to work for you in 2025? Then it’s time to go beyond saving and start investing. Thanks to smartphones and mobile money, investing in Ghana has become easier and more affordable — even for beginners with low income.


The days when you needed a broker or huge capital to invest are gone. With as little as GHS 10, you can start building wealth from your phone.


Here’s a list of the top investment apps in Ghana and how to use each one.



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1. EziSave


🔹 What it does:


EziSave lets you save and invest money straight from your mobile money wallet. It offers:


Daily, weekly, and monthly investment plans


Up to 12% annual interest


Auto-deductions from MoMo



🔹 How to use it:


1. Download the app from Google Play Store



2. Create an account with your name and MoMo number



3. Set a savings goal (e.g., GHS 5/day)



4. Choose auto-save or manual deposits



5. Watch your interest grow over time




🔹 Why it’s great:


Very beginner-friendly


No bank account needed


100% mobile-based




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2. InvestEye


🔹 What it does:


InvestEye is for people looking to invest in mutual funds and treasury bills. It connects you to licensed fund managers like Databank, EDC, and Stanbic.


🔹 How to use it:


1. Sign up on investeye.com.gh



2. Choose your investment type (T-bills, balanced fund, equity fund)



3. Fund your account via bank or MoMo



4. Track your returns on the dashboard




🔹 Why it’s great:


Gives access to regulated investment options


Detailed reports and investment advice


Good for long-term investing




---


3. PiggyVest (Nigeria-based but available in Ghana)


🔹 What it does:


PiggyVest helps you save and invest with flexible withdrawal options. Though based in Nigeria, many Ghanaians use it with dollar-based investments.


🔹 Features:


Save daily/weekly/monthly


Invest in real estate, agriculture, and more


Up to 13% interest yearly



🔹 How to use it:


1. Download the app from Play Store



2. Create an account and link your card (Visa/Flutterwave)



3. Choose a savings/investment plan



4. Start with as low as GHS 20




🔹 Why it’s great:


User-friendly interface


Offers a wide range of investment plans


Good for dollar savings




---


4. MTN MoMo Y’ello Save


🔹 What it does:


This is a basic but useful savings/investment option right in your MTN MoMo wallet.


🔹 How to use it:


1. Dial *170#



2. Choose Financial Services → Savings → Y’ello Save



3. Register and set your savings target



4. Automatically earn interest up to 10% annually




🔹 Why it’s great:


No smartphone needed


Very easy to access


Great for small daily savings




---


5. Stanbic Investment App


🔹 What it does:


If you’re looking for professional, bank-level investing, Stanbic’s app offers access to:


Treasury bills


Unit trusts


Government bonds



🔹 How to use it:


1. Download the Stanbic App



2. Register with your Ghana card and bank details



3. Choose a fund (e.g., Stanbic Income Fund)



4. Start investing from GHS 100




🔹 Why it’s great:


Backed by a reputable bank


Safe and secure


Good for large, long-term investors




---


🧠 Bonus App: Chipper Cash (for USD Investing)


Chipper now offers USD investment accounts where you can buy fractional shares in companies like:


Apple


Google


Tesla



👉 A great option if you want to start dollar-based investing from Africa.



---


🚀 Tips Before You Start Investing:


1. Start small — even GHS 10 is enough to begin.



2. Avoid investment scams — if it sounds too good to be true, it is.



3. Read the terms — know when you can withdraw, what interest is paid, and if your capital is protected.



4. Be consistent — investing small amounts regularly brings big results over time.



5. Use trusted, licensed platforms — check if they’re approved by the SEC or Bank of Ghana.





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🏁 Final Thoughts


Investing in Ghana is no longer just for the wealthy or the “banking elite.” With mobile apps and fintech platforms, anyone with a phone can start building wealth — even on a low income.


In 2025, your money should do more than sit in your wallet. Let it work for you. And the earlier you start, the better your financial future.



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📸 Suggested Image:


Search “African woman investing on phone” or “finance app” on Pexels



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🏷️ Suggested Blogger Tags:


investment in Ghana, finance apps, build wealth, treasury bills, mobile investment, low income investing

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