wealth for everyone

The world deserves financial freedom. Build yours with Kivo.

We believe wealth should be for everybody. You work hard for money, so it should work for your future. Invest in fixed income plans, grow your wealth over time, and move toward a financially free life.

Get Started

Kivo app home screen showing a total balance of ₦2,456,900.00

Your money is in safe hands. Protection matters when it comes to your money. It’s held securely with trusted financial partners and protected with bank-grade security, encryption, and fraud prevention.

Secured by the SEC. Kivo is regulated by the Securities and Exchange Commission (SEC)

Secure Investing shouldn’t feel like rocket science

Kivo makes it clear enough to understand, simple enough to start, and easy to track.

Create your Free Account

Create your Kivo account. Enter your name, email, phone number, date of birth, and create a secure password.

Verify your identity. Verify with your BVN, NIN, and other required documents.

Set your PIN. Create a personal PIN you can use to quickly and securely access your account.

Pick your plan

Build wealth with naira or dollar fixed income investment

Whether you earn in naira, dollars, or a mix of both, you’ll find an investment plan that works for you.

NGN Fixed Income

Invest in naira for a defined period and earn estimated returns based on the applicable rate for your chosen term.

Start Investing

USD Fixed Income

Invest in dollars for a defined period and earn estimated returns based on the applicable rate for your chosen term.

Start Investing

Your wealth in one wallet.

Your Kivo wallet is the home for all your money. You can fund your wallet, move money into your naira or dollar plans, and move funds back to your wallet when you want.

Earn & grow

Follow your money always

You can keep tabs on your money with the Kivo app so you know what’s happening every step of the way.

Start Investing

Fund Quickly with Our Simple Process

Transfer naira or dollars to your Kivo account, and your wallet will be ready for your next plan.

See your maturity date.

Know exactly when your plan ends and your money becomes available.

Know the current value of your investment.

You can keep tabs on your money with the Kivo app so you know what’s happening every step of the way.

Track funding and interest earned.

Every top-up and daily earning in one place, grouped by month.

investment calculator

What could your money become?

Calculate what your investment could grow to before you commit. Enter an amount, choose how long you want to invest, and view your estimated interest, projected maturity value, and maturity date.

Investment Calculator

Amount

₦.00

Tenure

*Returns and calculations are subject to the terms of the selected investment plan.