Cowrywise: Save & Invest Money 4+

Manage Finances & Mutual Funds

CowryWise Inc

Designed for iPad

    • Free



Cowrywise is the only SEC-licensed wealth management app you really need.

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:


- Start automated savings with as low as ₦1,000 per day, week, or month with our Periodic Savings Plan
- Make one-time deposits anytime with your spare change
- Earn stronger interest rates than you’ll find at any bank in Nigeria
- Save as a group to reach your goals faster with Circles
- Prepare for unforeseen emergencies by creating a personalized Emergency Fund


- 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


- Receive dividends from your investments in Stash within the Cowrywise app!
- Top up your Cowrywise savings and investment accounts from Stash


- We are licensed by the Securities and Exchange Commission (SEC).
- Your savings are invested in low-risk financial instruments and are held by Meristem Trustees Limited, also registered with the 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.


We offer 24/7 support through the app, phone, email, Facebook, Instagram, and X. Whether you need help with set-up or want to talk to an advisor about the investment plans, we’re always here to help!


- Download the app
- Create your account
- Tap “Invest”
- Choose your preferred mutual fund option
- Follow the remaining easy process to fund your investment
- Congratulations, you are now a mutual fund investor.

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 8.6.2

• Discover your potential earnings
• Enjoy football savings as a lifestyle
• Experience improved app performance

Ratings and Reviews

4.4 out of 5
9.9K Ratings

9.9K Ratings

Jesus'baby ,

The 24hours withdrawal rule

In as much as the 24 hours withdrawal rule is for the benefit of all. It’s annoying that I can’t access my money until a whole day later. Especially when it’s emergency savings. It’s an emergency savings for a reason. It’s reallly annoying. Yesterday I had to borrow money to get something done not because I didn’t have the money but because Cowrywise has my money on lockdown for 24hours.
It’s really annoying. It’ll be preferable to find a way to do the fraud detection thing in a way it won’t take me 24hours to withdraw

iamoutofnicknameoptions ,

24 hours Withdrawal

I’ve wrote a review to commend you guys for your service and brilliancy and everything was going smoothly until y’all decided to bring the 24 hours withdrawal review which i find very disappointing and inconvenient.
I understand that it is for our own benefit and security purpose but come on now , you can do better than that for Christ sake because emergency can arise at anytime and not all emergency can wait 24 hours.
Please i love this app and i having been using it for 2 years plus now…and if you people won’t amend the 24 hours withdrawal stuff…I guess i will have to look for another alternate app because time is money and money is time so i can’t waste it by waiting 24hours to withdraw.
I’m sure i am not the only one that find that update very annoying.
T for Thanks.

Dreybrass 29 ,

Withdrawal not reflecting in my back

I would have love to give you 4 stars due to how you conveniently do remove my money from my bank app, sometimes I don’t feel as if I’m my money is reducing, but the problem is how will you say I will have to wait for 24hrs hours for an emergency plan before you will deposit my money in my bank.

The second issue is that, why can’t we be conversating with your customer service by using our preferred word instead of giving us optional request and response.
I make a withdrawal for the past 4 days now, the money didn’t reflect in my bank account and Cowrywise is telling me that they’ve deposited the money into my bank, I’m trying to get their customer service to make some enquiries, I couldn’t share my thought on the failed transaction due to the optional mode of complaint. And I really need the money to settle some things, it’s really frustrating and I blame myself by using the app cos this is my first time of using it.

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
  • Location
  • Contact Info
  • Contacts
  • Identifiers

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

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