I've become more conscious of how I spend my money and also about investing. Now, I feel comfortable spending knowing my Cowrywise account is there.
Wuraola F@wuwu
Cowrywise makes saving quite interesting and fun. My best part would be the fact that I can seamlessly invest my naira in dollars.
Mayokun A@mhay
I love how Cowrywise has made me think of saving part of any income I get. I immediately think of investing any money I get now.

Put your
money to work.

Build discipline, access financial tools that steadily grow your finances.

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Licensed by the SECFund Manager

Get financial freedom

Plan towards your dream home, fund your kid's education, travel the world, all in one app.


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
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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.

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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.

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Bank-grade Security

We are PCI-DSS compliant to ensure security of your data electronically. We also provide you with an option to set up 2FA for key transactions on your account. 2FA serves as an extra layer of protection to ensure the security of your account beyond just a username and password.

Assets Custody

Our users’ financial assets are held with a licensed custodian, Zenith Nominees Limited, for safekeeping to prevent misappropriation, misuse, theft, and/or loss, and in accordance with applicable law.

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.