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

Cowrywise is a wealth management app, licensed by the SEC, 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 7.2.6

* How did your money perform in 2021? No need to guess, your roundup is here.
* We’ve refined some of the internal workings and polished some rough edges.

Ratings and Reviews

4.5 out of 5
2.8K Ratings

2.8K Ratings

Olabode_oluwaseyi ,


Great job done! For the new update but I think the App still lack a bit of that finishing touch to make it the undisputed and unrivalled savings app in the country; talking about security and privacy: I think the feature of account balance visibility should be made available, I use other savings app and this feature just make me feel safer. Opening your savings app and your balance popping up largely right on the screen is still somewhat an old style of user’s security.

DevTosin ,

Autosave & Lock

I am quite upset with the auto save and lock feature. Fgs, it’s my money; I should be allowed to call for it whenever the need arises. You don’t dictate how I manage my money rather, you can give advise or suggestions. Please, kindly make it possible to unlock the account even if it is at a cost.
I forgot to pause the auto save feature and now, my whole money is trapped inside. K I’m not sure of how I will get to work throughout this January.
Abeg oo. This ux is not favourable at all.

Developer Response ,

We're sorry you feel this way, DevTosin. Our savings plans are set up to ensure discipline & as such inaccessible until your chosen maturity date. It's why we state ahead and also ask that you confirm your chosen maturity date at the point of creating your plan 💙.

rizichi ,


The app and service is great . However, it will be so much better if although the plans are locked , people can in time of emergency still withdraw from the plan (at a percentage loss). That way people are discouraged from withdrawing but during emergency , they can still help themselves. It should also be possible for people to save bi-weekly ,3 times a week ,4 times and stuff like that.

Developer Response ,

Hi rizichi, thanks a lot for the review and feedback. We'll look into them. For locked savings, please note that they are set up to help you commit and be disciplined with your savings goals over the period you choose. That said, we know emergencies come up which is why we have & advise putting some funds in the emergency plan, Stash or a low-risk mutual fund which you can withdraw from at any time.

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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