PiggyVest SafeLock gives you a digital fixed-term savings option from ₦1,000, with published rates that rise by tenor and can go as high as 21% p.a. on one FAQ page. The real story is less about the headline rate and more about the lock rules: your money can be genuinely inaccessible, early exit can cost all accrued interest, and PiggyVest’s own public rate claims do not line up perfectly across pages.