Why should you not earn referral bonuses for inviting your friends? No reason at all. In this article, we explain the following:
- Why we give referral bonuses
- How to get your unique referral link
- What do you enjoy from referrals
- How to make more from your unique referral link
- The terms associated with referral bonuses
Why do we give referral bonuses?
At Cowrywise, we believe that every moment for the customer must be rewarding. Referring your friends to us should come with some perks. Since we already offer top-grade security, free advisory, and great tools, we have decided to add an extra topping. Today, you get to enjoy a more robust referral programme that gives you additional benefits on Cowrywise.
Do referrals affect my savings and investment returns?
Cowrywise doesn’t pay you returns based on your referrals. You earn returns from actual investments. That is, your funds are invested in secure instruments like treasury bills and government bonds. In summary, referrals or not, you’ll earn because your funds are invested. Referral bonuses are simply additional benefits you enjoy for telling your friends about us.
How do you get your unique referral link?
Every Cowrywise customer has a unique referral link. This link can be accessed via our web or mobile app. To access it on our website, follow these simple steps:
- Log into your Cowrywise dashboard
- Tap “Referral” in the menu
- Tap “Share Referral Link” to share on social media platforms. You can also copy it.
If you choose to use the mobile app, here are the steps:
- Log into your updated Cowrywise app
- Tap your profile image
- Tap “Referral Program”
- Tap “Share” to copy the link or push to any social media platform.

You can update your mobile app here to access your referral link.
Alternatively, you can use the unique code. Your friends need to input it under “Invite Code” while signing up. Everyone who uses your referral link also earns a bonus. No one is left behind.
What do you enjoy from referrals on Cowrywise?
For every successful referral you make, you will enjoy a fee waiver on Naira-based investment transactions on Cowrywise!
What are fee waivers?
For Mutual Funds on Cowrywise, there is a 1.5% processing fee charged on your investment payments. However, this is capped at ₦2,000 on naira-based mutual funds. This means that, when you invest ₦100,000 in a naira mutual fund plan, you will be charged ₦1,500. If you invest ₦3,000,000, you will be charged ₦2,000, as our fees are capped at that price.
However, a fee waiver lets you invest in mutual funds at zero cost. You can waive the processing fee and top up your investment plans for free! You’re rewarded with one free waiver each time your friend signs up and save/invest up to ₦5,000 with your referral code.
Your friend also enjoys the same fee waiver once they join in and save/invest with your referral code. Amazing, isn’t it?
Campus Ambassadors
As a campus ambassador, you are part of an elite group of the Cowrywise family. This extraordinary commitment comes with a great offer. It includes a fantastic welcome pack, access to high-profile events, and personal development courses.
Also, as a campus ambassador, you earn fee waivers per referral, coupled with other amazing benefits you’ll enjoy. Would you like to be a campus ambassador? Register here.

How To Earn More From Your Unique Referral Link
There are two great ways to amplify your link and earn more:
- Consistently share your link on your social media platforms
- Permanently post your link on your social media profiles
To share your link, create a fun and engaging message, encouraging your friends and family to sign up for Cowrywise. You should also tell them they earn a referral when they make a deposit.
Not sure what to say? You can use this:
“Cowrywise is the best savings and investment platform out there. Get an amazing cash bonus when you start saving and investing with my Cowrywise link. Let’s grow our money together.”
To permanently post your link on your social media page, here’s what you need to do:
- Tap your profile image
- Tap the settings tab. It is usually represented by “…”
- Tap “Edit profile”.
- Scroll down to “Edit your About Info”. Tap it
- Scroll down to “Contact info”. Tap “Edit”
- Scroll to Websites and add your link as your website.
- Save your edits.

- Tap your avatar (profile image)
- Tap “Profile.”
- Tap “Edit profile.”
- Input your link in the website box
- Save your edits

The process is similar to Twitter. Although if you want to have multiple links on your profile, you can use Disha. Disha provides you with one link that can redirect people to various sites you choose. Placing your Cowrywise referral link as number one will help you earn more.

Terms and Conditions
There are terms and conditions linked to this referral bonus on Cowrywise. Read them here
Now that you have a good grip on our referral program, wouldn’t you like to start enjoying it now? We look forward to helping you invest more at no charge!
If you have any questions, please send an email to support@cowrywise.com or call 07000COWRYWISE (i.e, 07000269799473).
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Why We Stopped Giving Money as Referral Bonus on Cowrywise

thanks
This is so timely, Thanks
Thank you Ope
Thanks for this
Thank you for your great advice and guidance ?. It really helps ?
Please I want to know if my investment is done
If you don’t mind how is the investment work
Fantastic write up..you hit nail on the head.
Great
Great write-up!
Thank you so much for this Ope
You are welcome
Thank you very much; so instructive.
Africa, my Africa.
Thanks for this Ọpẹ́.
Many thanks
Nobody should underestimate the importance of this writeup. I somehow wished my Dad came across something like this years ago.
Thanks a lot, this is eye opening.
Thanks for reading, Dorcas
I wish I read this before now, thanks Ope
??
Thanks for this eyes opener write up.
An eye opening writeup; Many thanks
It’s really an eye opener.
Thanks thats wonderful!
Thanks for this, really enlightening.
Thanks for this Ope its word of enlightenment indeed
??
Great
The above writeup was made with enough garnish.
Thank you!
Ọpẹ, this write up came at the right time. Like it’s juju for me.
I just finished sending my mum money from my first salary and i panicked when i read this. I love what i did but you see that black tax ehh??. It’s to learn to say no very well. I have a weakness and that’s being agreeable. Women tend to be more agreeable than men, but if i want to fulfill my goal, i must do the needful.
Thanks for this juju write up. Like you read my mind. ??
This came in at the right time
Wow you guys are great,thank God for technology and apps like this,making life easier and convenient for us to do our savings.
Amazing! Quite right on time; Kudos to the brain(s) behind this!
This so amazing… Just what I needed right now ?
I recently signup/subscription and I must say, I enjoy reading your articles, good one.
Am sorry to ask how much can I withdraw every month cause I have invested 1k
I really enjoy and leaned from the advice, had it been I com across this life would not have been so turf as it is now cause I’ve wasted so much money but thank you ope for the advise thanks a lot keep it ?
good advice thanks OPE.
Moral of the lesson: Do not help others to your own detriment whether today or for your future needs
Truth be told, I have never heard of or even read about “the black tax” and “sandwich generation” in all these years.
This is not just enlightening but would also help me and many (I guess) in not just planning money but also time
Thanks a lot Ope.
Thanks so much Ope. It’s a great enlightenment
Thanks for the write up, Ope. This black tax has finished me… But Thank God for this app that came to my rescue
What about the relative that could start crying when you say no?
Nice one.
Cool
Very insightful and timely for me.
Thank you ope for sharing.
Great Lesson to balance finance for better living
Thank you so much for this. Learnt a couple of new things
Very wonderful advices and lectures. But it seems very difficult to when trying to get out of recession. While planning to stand on your feet back again with no regular income and a hand to mouth epileptic economy. More advice ma. Good morning. Thanks
Thank you Ope❤️
I always love it when I see “Ope from Cowrywise” dropped in my email… U never disappoint… Thanks for the education ☺️
Thanks
Wow, this is eyes opener!
Thanks for this ❤
Thanks
This explains a lot, thanks Ope
God knows this year has been a lot for due to this. I have neither savings nor money to due basic care. I’m doing better henceforth tho. Thank you, Ope.