Free on Google Play

Get your money

With impressive interest rates, an app, tools & guides, Cowrywise is the smartest way to plan, save & invest.

Cowrywise SEC License badge
Licensed by the SECFund Manager
Cowrywise SEC License badge
Licensed by the SECFund Manager

Get financial freedom

Use Cowrywise to plan towards your dream home, kid's education and travel the world.


Create multiple savings plans

Earn better interest rates than your bank

Start Saving
cowrywise mobile app savings screen
Mutual Funds

Play the long-term game

Invest in diverse and quality mutual funds with any amount

Start Investing
cowrywise mobile app mutual funds screen

Your secure digital wallet

Send and receive cash in seconds for free. You only need their username.

Explore it now
cowrywise mobile app savings screen

Save with friends

Stay motivated and have fun saving with friends and family

Join a circle
cowrywise mobile app joint savings circle screen
Emergency Fund

Save for the rainy day

Build a safety net for unexpected expenses

Create your emergency plan
cowrywise emergency funds app savings screen
US Stocks and bonds (Coming soon)

Grow your global portfolio

Get early access
cowrywise stocks investment app
save online Nigeria cowrywise

Start building wealth in 5 minutes

Create an account

Sign up for an account with your name, email and phone number.

Add a payment method

Using your debit card, bank account, USSD, QR Code, setup your first plan.

Watch your money grow

Sit back, relax & let your money work for you all day, everyday.

Sign up now

Keeping your money safe is our business.

Trust is our currency. We are committed to the security of your money and the protection of your account. That is how we earn your trust.

Learn More
Bank-grade Security

Our payment processors are PCI-DSS compliant to ensure security of your data electronically. All cards and bank data are encrypted to prevent unauthorised access to sensitive information.

Two-Factor Authentication (2FA)

2FA is an extra layer of protection to ensure the security of your account beyond just a username and password. All verifications for key transactions pass through the 2FA process on Cowrywise.

Regulatory Compliance

Cowrywise is a duly registered fund manager with the Securities and Exchange Commission (SEC) of Nigeria. All our activities are in full compliance with regulatory requirements to the ultimate protection of our clients.

Best-In-Class Assets

All the investment options listed on Cowrywise, are carefully screened, managed by professional fund managers. All the diverse mutual funds registered with the SEC, with standard third-party custodian structure.

Got SEC licence?Yup!
Saving Charges?Nope.
Great Interest Rates?Confam.
Maintenance Fees?No.
Convinced?Sign up now.
testimonial cowrywise invest online

“I used to feel too young to start setting money aside, with Cowrywise I have realized it is never too early to get started with your savings. Cowrywise is my coping mechanism to build up for an independent life.“

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