Start saving money
the smart way.

Automate your savings and earn 10% - 15% interest per annum.
No penalties. No fees. Absolutely free.


Different ways to save.

A CowryWise account brings you a step closer to financial discipline. We make it easy to achieve your personal saving goals. Choose how you save.

Periodic Savings

Automatically save an amount at regular intervals and earn 10% interest rate per annum.

Fixed Savings

Lock away funds for long periods. Choose 3, 6, 9 or 12 months to earn up to 15% per annum.

One Time Savings

Have a free cash lying idle? Make one time saving into any of your existing saving plans.

How Saving On CowryWise Works

In 3 easy steps, start your smart saving journey into financial freedom.

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Create An Account

Sign up for a CowryWise account with your name, email and phone number. For added security, we verify both your email address and mobile number.


Link Your Debit Card

Using your ATM Card/Debit Card, create your first saving plan by specifying how much you want to save, when to start and how often. You can create additional plans later.

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Watch Your Savings Grow!

CowryWise will automatically handle all your savings henceforth. We put your money to work so you can earn competitive interests on a daily basis. Your bank will be jealous.

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Meet Sisi 👋🏾

Saving is personal and we all have the urge to keep a tab on how well we're doing. Sisi is a CowryWise bot that helps you with just that. Quick and easy.

Sisi keeps you updated on your savings peformance and plan balances on the move. You can also save quick cash through the bot.

To give Sisi a spin, open your Facebook Messenger and search for CowryWise. She can't wait to meet you!

Why CowryWise?

Daily, Competitive Returns

Banks reserve a high interest rate for their high net worth customers. Your CowryWise savings earn a competitive interest irrespective of amount saved.

Absolutely Free

A CowryWise savings account is free of all charges. No penalties. No account maintainance fees. No SMS fees.

Withdraw Anytime

We’ve got your back in case of emergency. You can withdraw money from your CowryWise savings account anytime without restriction or penalty.

Join a growing community of smart savers who trust us with their financial plans

Get me started

How Safe Is My Money?

CowryWise was built with Bank-Grade security features. We work with a PCIDSS compliant payment processor for the security of data. Our assets are held with Meristem Trustees, an SEC registered firm, who ensures savers' funds are covered by invested asset.

Bank Grade

Two Factor

Assets Under


Start small, every
saving counts.

The good thing about saving is that you can start small.

See what your periodic savings can be in 5, 10 and 15 years based on 10% interest rate per annum.

5 Years


10 Years


15 Years


  • I love the flexibility I have with my CowryWise plans I can save aggresively and meet short-term obligations without penalties and without borrowing money.

    Abisola Kemi
  • CowryWise is really simple to use. It enables me automate my periodic savings to partly fund my fashion studio. I doubt I would have been that financially disciplined to save consistently without it. Now, saving is a lifestyle to me.

    Moji, CEO Helms Fashion

You're in good company

We work with renowned and trusted brands around.