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🇩🇪 Diaspora investing · Germany
Nigerians living in Germany — in Berlin, Frankfurt, Hamburg, Munich or anywhere across the country — can buy and own NGX-listed shares directly in their own name through Shares Saver. Holdings are registered through regulated Nigerian stockbroker partners — not held in a pooled or nominee structure.
A Nigerian bank account. Many people abroad send money to their naira account first, then fund from there.
A valid Bank Verification Number and your Nigerian international passport. Nigerian citizens only.
Registered to your legal name with the Nigerian registrar and the CSCS — not a platform balance.
Eligibility
Shares Saver is currently only available to Nigerian citizens. Non-Nigerians cannot invest at this time.
A valid BVN (Bank Verification Number) is required. Your BVN links your identity to Nigeria's banking system.
You must fund your account through a Nigerian bank account. German bank accounts (EUR) cannot be used for funding.
Owning shares in NGX-listed companies — banks, telecoms, consumer goods and more — lets you participate in Nigerian economic growth from your base in Germany.
Unlike collective investment funds, your Shares Saver holdings are registered directly in your legal name with the Nigerian registrar. You own specific shares in specific companies.
Shares Saver is built for monthly, incremental investing — aligned with how most diaspora Nigerians prefer to grow their Nigerian portfolio gradually over time.
German bank accounts (EUR) cannot be used to fund your Shares Saver account directly. You will need an active Nigerian bank account. Many Nigerians in Germany use remittance services to move EUR to their Nigerian naira account, then fund their Shares Saver account from there. Nigerian shares are priced in Naira (₦) on the NGX.
German residents are taxed on worldwide income. Investment income from foreign shares — including Nigerian stocks — may be subject to German Abgeltungsteuer (capital gains withholding tax) and reporting requirements via your annual Steuererklärung (tax return). Dividends received from Nigerian companies may also be taxable. Consult a Steuerberater (German tax adviser) for personalised guidance.
Shares Saver requires identity verification to comply with Nigerian regulatory requirements. A valid Nigerian international passport or another acceptable government-issued ID is sufficient. The process is completed digitally within the app — you do not need to attend a physical location.
Your shares are registered in your own name with the relevant Nigerian registrar. This record is separate from the Shares Saver platform. Even if Shares Saver were unavailable, your registered ownership would remain intact and could be accessed through the relevant broker or registrar.
This page is for educational purposes only. It does not constitute investment advice, tax advice, or legal advice. The value of shares can fall as well as rise. Shares Saver does not provide tax guidance — consult a qualified adviser in Germany before investing.
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