Formerly Save & Earn

Smart Save

Cooperative

Grow Wealth Together.

Earn structured returns through fixed investments and monthly savings with Nigeria's most transparent savings cooperative.
Join thousands building generational wealth.

Start Saving TodayView ROI Calculator

₦100M+

Assets Managed

100+

Active Members

100%

Payout Record

Projected Earnings

See Your Money Grow

Compare one-time fixed investments with monthly savings payouts using the current Smart Save plan structure.

Plan A

Fixed Investment

One-time capital placement. Interest accumulates and is paid every 3 months.

Tier 1

₦500,000 - ₦1,000,000

1.5%

Quarterly Interest₦22,500
Example Amount₦500,000
Payout IntervalQuarterly

Tier 2

₦1,100,000 - ₦5,000,000

2%

Quarterly Interest₦66,000
Example Amount₦1,100,000
Payout IntervalQuarterly

Capital is returned in full at the end of the agreed term. There are no monthly interest payments.

Plan B

Monthly Savings

Contribute a fixed amount every month for 12 consecutive months and receive one payout at month 13.

Example

Monthly contribution₦50,000
Total after 12 months₦600,000
Payout at month 13₦690,000
Transparent ROI Calculator

Calculate Your Returns

Choose a plan and preview payouts before you invest.

Configure Investment

NGN

Tier 1: 1.5% monthly interest, paid every 3 months.

Projected Returns

Amount Invested

₦500,000

Monthly Rate

1.5% monthly

Quarterly Interest Payout

₦22,500

Total Payout

₦590,000

₦90,000

Total Return

₦505,000

Total to Start

Start with ₦505,000
Verified Member Submissions

Real Insights From Our Cooperative Community

Direct feedback collected from form results, profiling financial growth milestones and verified cooperative experiences.

Business Capital
#Transparency

"Saving to Open a Bread Bakery. It has helped me to Save and to always start a New Year with Financial Stability! Come join this platform it’s a Sure Plug and Transparency is top notch."

Charity HanawaEntrepreneur
Verified
Project Savings
#Rewards

"To save more to achieve certain projects. I have been able to save annually that has helped me meet certain financial needs. Smart save will help them save and teach them how to get rewards for their savings."

Esther Chidimma AsimoleAdministrator
Verified
Goal Savings
#Investment

"To save for a specific goal. It has taught me the importance of investment and I have been able to achieve a lot through savings. I will encourage them to join because it creates an avenue for savings."

PrinceAccountant
Verified
Rent Funds
#Mindful Saving

"To save money for my rent. It made me mindful of my spending. Safe place to save with interest."

Anonymous MemberBusiness Owner
Verified
Personal Goals
#Ease of Use

"To save and achieve some personal and business goals. It has helped me to achieve a lot. Smart Save is the best and surest place to invest and save."

Anonymous MemberCivil Servant
Verified
Yield & Returns
#Interest Rates

"To save money that will yield interest. It has made me to invest in things I had plans for. It's the best place to be if you have things to invest in."

Anonymous MemberVerified Saver
Verified
Family Welfare
#Transparency

"It has helped me to be able to meet up with my family obligations like children school fees, house rent etc. It has helped tremendously in different ways. Smart save are worth trying and investing."

Nmaju DonaldTax Consultant
Verified
Emergency Fund
#Transparency

"My main goal when I joined smart save was to build an Alternative Emergency fund. But the active saving culture of the community has influenced me to transition into longer term projects! Being a member has made me more disciplined with my finances. Smart Save is a community of intentional savers, looking to build a better tomorrow."

Godwin AbuBusiness Analysis Associate
Verified
Business & Rent
#Transparency

"Saving for house rent and to also add to my business. It has impacted so in my business, I get to save money from the beginning of the year till the end. I have been using this platform for years now. I would recommend this platform for being transparent and ensuring prompt payment of ROI over the years."

Anonymous MemberSelf Employed
Verified
Asset Acquisition
#Security

"Saving for a property. I have been able to save money while earning. That their money is safe with smart save."

JudithLawyer
Verified

Built for Security & Impact

Enterprise-grade infrastructure meets social impact. Your savings power real change.

Flexible Savings Plans

Regular, Target, and Fixed savings options designed to match your financial goals and lifestyle.

High-Yield Investments

Deposit a lump sum and earn tiered monthly interest paid quarterly through our Fixed Investment plan.

Access Quick Loans

Get financial support when you need it most. Personal, business, festival, and electronics loans available to members.

Solar & Electronics Financing

Turn your solar and electronics dreams into reality through our affordable instalment support plans.

Bank-Grade Security

Multi-factor authentication protects your account. All transactions encrypted end-to-end and CBN compliant.

Member-First Benefits

Flexible solutions tailored to your financial goals. Vote on cooperative decisions and share in annual dividends.

Got Questions?

Frequently Asked Questions

Quick answers to help you get started with confidence.

All payments are made via direct bank transfer to our cooperative account. Transfer the required amount and submit your transaction reference through the app for admin confirmation. Your account will be updated within 24 hours.

Account Name: Smart Save Cooperative Society | Bank: Stanbic IBTC | Account Number: 0079404511 | Account Type: Current Account. Please ensure you transfer the exact amount required.

Account Name

Smart Save Cooperative Society

Bank

Stanbic IBTC

Account Type

Current Account

Account Number

0079404511

Once you submit your transaction reference, our admin team reviews and confirms payments within 24 hours on business days.

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