
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

Ex – shopaholic here ?
Some days, it’s difficult to ignore the sales – genuinely so ??
But a locked plan plus the fear of going back to the past (the time when I had no personal savings but still thought I was living the good life??♀️) keep me going ??
No 7!!
I’m going to remove my card ASAP! :sob:
No. 4. very important
Always know your needs and your wants .. not all WANTS are NEEDS
We make that mistakes countless times , buying the things we don’t really need and later regret buying them but worse still keep repeating same mistakes again and again ??♂️.
Bye bye to buying by impulse ?
I am not sure if I am a shopaholic. You know that saying that you can’t know how you will behave in a particular situation if you haven’t been there.
I have mastered the art of taking time before buying anything. I also try to explain to a friend if I am at a crossroads of either buying or letting go.
Most times, we don’t know there is a difference between want and need because of love at first sight. Asking someone might help.
I love tips 5 & 7. 5 is important for everyone, we have been deceived to believe that we are saving money when we go for discounted goods (lol), my eyes do clear.
For 7, I have found myself several times letting go of buying something because my credit card isn’t near (this is my table)
All the tips are helpful.
Couldn’t help but scream for joy reading this article. . truly intentional limited cash develops your Survival skills . .by force!! – Lock your Funds today & Help your future finances!
As an ex – shopaholic., such habits comes with sinking emptiness and a certain point in Life it could be quite destructive.
Cowrywise indeed makes such transformation journey a lil’ easier.
????ope why did I have to open your mail just let me get this ear pod on discount in peace na ??