
Update your mobile app here to access your referral link if you haven’t.
How does this referral work?
This referral is slightly different from what you are used to. You must follow the actions below to be eligible for the investment gift. Here’s what you need to do to refer a friend for this referral programme.
Log into your updated Cowrywise app
- Tap on the referral card on the home screen
- Copy your referral code and share it with your circle or that friend you’ve been meaning to invite
- Invite your friend to sign up and deposit a minimum of N35,000 in a locked savings plan. This makes you eligible to get the cash gift
- Once you meet the criteria above, you will get a notification for a N1,000 cash gift from Cowrywise which will be deposited in one of your plans.

Why should you consider this referral?
Over time, you have enjoyed the benefits of building wealth with Cowrywise. You have seen your wealth grow thanks to our products and interesting interest rates. You have slept with your eyes closed knowing your money is safe and secure. And more importantly, you have shared this news with someone in your circle in the past.
It’s time to do that again.
While sharing the news about Cowrywise with your friends is great, we are more excited when the benefits go both ways. On the one hand, your friends will be able to put their money to work. On the other hand, you get a cash gift from Cowrywise – see it as a token of appreciation for spreading the word. You just may be changing someone’s life for the better too. Fabulous right?!
Here are some FAQs to give you a better picture
How do become eligible for the gift?
You are eligible to get the N1,000 cash gift when your friend signs up with your referral code and deposits a minimum of N35,000 in a locked savings plan from now till April 30, 2025.
How can I redeem the N1,000 cash gift?
Once your friend signs up and makes a minimum deposit of N35,000 in a locked plan, you automatically become eligible for the N1,000 cash gift. The cash gift will be deposited in one of your plans on or before April 30, 2025.
What happens if my friend doesn’t make the full deposit in that time?
You will be ineligible to receive the cash gift. Encourage your friend to make the full deposit on or before April 30, 2025, to get the cash gift.
I shared my referral with a friend, but they haven’t signed up. What should I do?
You can start by sending them a personal message and encouraging them to sign up. Tell them what you have enjoyed about Cowrywise so far, and why you think it will benefit them.
Log in now to refer a friend
Thank you for this message. I’m really finding it hard to stop procrastinating,I hope this helps.
salisukyarimi@gmail.com
❤️I always take my time to read your inboxes.
Thank you Opé
Thank you too ?
I am happy for this because for the debt It as if ur talking to me directly and I need help on how to save cause I spend a lot and can’t save
There’s a lot more content on our blog that can help you save. Feel free to hang around for longer and read as much as you need to ?
Thanks for this enlightening and educating message, at a point I knew it was just for me…
Happy to hear!
Thnks alot, really encourages me to better.time is precious.
Thank you so much Ope. This was a very timely and apt message. Thanks for sharing.
Sure!