Take control of your finances. Build wealth with automated savings. Grow your money with investments. Manage your money with plans. Prepare for emergencies. Achieve more.

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 7.1.1

Are you money fit? Keep your money health in check with the fitness score. Tap the badges at the top-right of your app to see your ranking.
Love has a new home. Three is a crowd so we built Money Duo. Start or get invited to private money challenges designed to host just two people. Who's your duo?
Bug fixes! Let's not get technical but here's the summary: we fixed a number of experiences that hindered your smooth interaction with the app.

Ratings and Reviews

4.4 out of 5
275 Ratings

275 Ratings

fahdjjdb ,

Transferring savings

It a really nice app been using it for about a year now, lol even promoting it like i work for the app but the only issue i have is, it doesn’t allow you Transfer already saved money into another plan when you have multiple savings, other saving app allows you to transfer your already saved money on a plan into another plan to avoid disarrange of money.

Developer Response ,

Hello there. Thanks for your feedback. Once a plan is locked, it has an assigned maturity date that is unique to it. Hence, moving the money from that plan to another locked plan might lead to losses due to breaking fees. We don't want that for you. 💙

Otzamani ,

Africa very own vanguard

Be investing since I was 18 in anything that preserves capital ,risk free and return on investment is substantial and CowryWise found a way not just to make it easy to do that by doing nothing but also have found a way to evolve and adapt to the changing investment landscape. I see CowryWise and can gladly say it’s unofficial the best investment institution in Nigeria. An institution that combines the use of the Traditional investment institutions and made easier to use and most importantly affordable. If this company ever goes public am buying as much as I can.

cowrydumb ,

Customer service

Customer service is horrible. They never solved any of my issues and always just stick to a script. There’s no good offline service backing up the app itself. Right now my money is stuck there because they came up with a new rule and did not inform their users. When they were taking my money they did not have issues but now that I want my money back they have come up with all kinds of measures that makes it difficult to get my money back. I understand that some of these measures are for security but there are protocols for how you roll these out and keep your users informed do they do not have issues using your product.

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
  • Diagnostics

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

You May Also Like