Take control of your finances with Cowrywise, the only wealth management app you really need. Plan, save and invest your money easily.

Cowrywise is a wealth management app that enables you to plan, save, and invest money easily. With direct access to the largest pool of mutual funds in Nigeria, you can build your savings and investment portfolios, manage your money securely, and build a better financial future.

With the Cowrywise app, you can:

Save for short-term and long-term goals:

● Start automated savings with any amount per day, week, or month with our Periodic Savings Plan
● Use our Life Goals Plan to stay disciplined and save for long-term goals like education, housing, retirement, a wedding, or your business
● Make one-time deposits anytime with your spare change
● Earn stronger interest rates than you’ll find at any banks in Nigeria
● Save as a group to reach your goals faster with Circles
● Prepare for unforeseen emergencies by creating a personalized Emergency Fund

Invest and grow your wealth faster:
● Invest in any of our mutual funds that match your financial goals and risk appetite
● Work with our professional advisors to develop your investment goals and find the right plan for you
● Diversify your portfolio by investing in mutual funds from top investment firms in Nigeria

Turn your phone into a digital wallet with Stash:
● Store money in Stash within the Cowrywise app - it’s much easier than cash!
● Top up your Cowrywise savings and investment accounts from Stash
● Pay and receive money from other Cowrywise users seamlessly, for free

Feel safe when you trust us with your money:
● Your savings are invested in low-risk financial instruments and are held by Meristem Trustees Limited, registered with the Security and Exchange Commission (SEC). This means your money is professionally managed and secured.
● We do not store your card information or personal data. We work with an independent PCI-DSS-compliant payment processor to handle all customer card details.

Never feel like you’re doing it alone:
● We offer 24/7 support through the app, phone, email, Facebook, Instagram, and Twitter. Whether you need help with set-up or want to talk to an advisor about the investment plans, we’re always here to help!

Don’t wait another minute to take control of your financial future. Start planning for short-term goals, long-term goals, and even emergencies now by creating savings and investment plans with Cowrywise.

What’s New

Version 7.1.3

- New: A few power-ups to help you personalise your experience on Cowrywise.

- Bug fixes: Let's not get too technical - we squashed some bugs that hindered your smooth interaction with the app and improved overall performance.

Ratings and Reviews

4.5 out of 5
876 Ratings

876 Ratings

Ademola Alabi ,

The best savings/investment in Nigeria

Cowrywise is a very great savings/investment app, the investment are safe and you money will be protected.

My advise to users, if you do not have a savings culture before, savings might be a little overwhelming, so start very small and be consistent with it. E.g 100 Naira per day and conveniently increase the savings as you can afford.

foxy_blaq ,

Best savings app

Apparently the best saving app I’ve used
The developers should be given a raise for a job well done. But we could also use a faster support/contact system the two (2) hours contact/ reply duration is quite long

nellymeny ,

Currently loving the ios app

In the next update, could there be an option for transfer of funds directly from one plan to another? Like from an open account to a locked account.

App Privacy

The developer, CowryWise Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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