{"id":6628,"date":"2022-02-03T11:25:29","date_gmt":"2022-02-03T10:25:29","guid":{"rendered":"https:\/\/cowrywise.com\/blog\/?p=6628"},"modified":"2025-01-08T10:03:44","modified_gmt":"2025-01-08T09:03:44","slug":"make-money-on-cowrywise","status":"publish","type":"post","link":"https:\/\/cowrywise.com\/blog\/make-money-on-cowrywise\/","title":{"rendered":"How to Make Money on Cowrywise"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"how-to-make-money-on-cowrywise-legitimately\">How to make money on Cowrywise legitimately ?<\/h2>\n\n\n\n<p>At first, I hesitated writing about \u201chow to make money on Cowrywise\u201d but since this is something people search for, I thought, \u201cwhy not?\u201d Let\u2019s tell the truth, amidst all the noise.<\/p>\n\n\n\n<p>At this time, there are three ways to make money on Cowrywise and I say \u201cmake money\u201d with caution because this term has been abused by many fraudulent schemes. Cowrywise is NOT one of them. Cowrywise does not double money, nor do we promise unrealistic returns. However, you truly can grow your wealth by using Cowrywise and this article is full of gems on how to do just that. So, keep on reading to the end and gain a full grasp of how to make money on Cowrywise, the real way.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-three-ways-you-can-earn-on-cowrywise-right-now\">The three ways you can earn on Cowrywise right now ??<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Interests on your savings plans<\/li>\n\n\n\n<li>Returns on your investments (mutual funds plans)<\/li>\n\n\n\n<li>Referral program (fee waivers on investment transactions)<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"is-cowrywise-for-you\">Is Cowrywise for you? ?<\/h2>\n\n\n\n<p>Cowrywise has a mission to improve access to wealth management services and drive financial education and sustainability. Naturally, Cowrywise wants as many Africans as possible to achieve these goals and have unfettered access to the tools they need.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cowrywise-is-perfect-for-you-if\"> <strong>\u2705<\/strong> Cowrywise is perfect for you if:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You are looking for genuine ways to grow your wealth in the long term<\/li>\n\n\n\n<li>You&#8217;re open to learning and seek to understand how money works<\/li>\n\n\n\n<li>You are honest and have great ethical standards<\/li>\n\n\n\n<li>You understand that patience and caution are key to growing wealth<\/li>\n<\/ul>\n\n\n\n<p>\u274c <strong>Cowrywise is not for you if you\u2019re looking for platforms that \u201cdouble\u201d money.\u00a0<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"http:\/\/cwry.se\/blog_signup\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"222\" src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/09\/financial-freedom-in-article-CTA-card.jpg\" alt=\"financial freedom in-article CTA card\" class=\"wp-image-9050\" srcset=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/09\/financial-freedom-in-article-CTA-card.jpg 1024w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/09\/financial-freedom-in-article-CTA-card-300x65.jpg 300w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/09\/financial-freedom-in-article-CTA-card-768x167.jpg 768w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/09\/financial-freedom-in-article-CTA-card-360x78.jpg 360w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-earning-interests-on-your-savings-plans\">1. Earning interest on your savings plans?<\/h2>\n\n\n\n<p>When you save on Cowrywise, you earn better interest than your bank.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"509\" src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/customer-earnings-2022-roundup-1024x509.png\" alt=\"customer earnings 2022 roundup\" class=\"wp-image-12110\" srcset=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/customer-earnings-2022-roundup-1024x509.png 1024w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/customer-earnings-2022-roundup-300x149.png 300w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/customer-earnings-2022-roundup-768x381.png 768w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/customer-earnings-2022-roundup-1536x763.png 1536w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/customer-earnings-2022-roundup-2048x1017.png 2048w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/customer-earnings-2022-roundup-360x179.png 360w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>The image above shows what a customer earned on just their savings plans in 2022. This is a page from the <a href=\"https:\/\/cowrywise.com\/blog\/cowrywise-roundup-2022\/\">2022 Cowrywise roundup<\/a>, a summary of each user\u2019s money moves on the app.\u00a0<\/p>\n\n\n\n<p>You earn a percentage of interest depending on how long you save.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"here-s-the-interest-rate-as-at-the-time-of-publishing-this-article\">Here\u2019s the interest rate as of the time of publishing this article:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3 months &#8211; 11.0% p.a<\/li>\n\n\n\n<li>6 months &#8211; 12.0% p.a<\/li>\n\n\n\n<li>9 months &#8211; 13.0% p.a<\/li>\n\n\n\n<li>1 year &#8211; Up to 21.2% p.a\u00a0<\/li>\n<\/ul>\n\n\n\n<p>These interest rates are based on how the market is performing at any given time. This ensures that on Cowrywise, your interest rates will always be paid. You can never hear stories of failure to receive the interest rates due to you. We never overpromise and your money is safe and secure.&nbsp;<\/p>\n\n\n\n<p>We\u2019re not even allowed to because we\u2019re regulated by the Securities and Exchange Commission of Nigeria (SEC).<\/p>\n\n\n\n<p>Be wary of platforms not affiliated with the SEC in any way. Chances are, they will over-promise and under-deliver<em>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-are-we-able-to-pay-interests-on-your-savings\">How are we able to pay interest on your savings?<\/h3>\n\n\n\n<p>Your savings are invested in low-risk instruments like <a href=\"https:\/\/cowrywise.com\/blog\/what-are-bonds\/\">bonds<\/a>, <a href=\"https:\/\/cowrywise.com\/blog\/treasury-bills-in-nigeria\/\">treasury bills<\/a>, and government papers. Simply put, by investing in these instruments on your behalf, we earn your interest.<\/p>\n\n\n\n<p>That\u2019s it for how you can earn on your savings plans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-earning-returns-on-your-investments-mutual-funds-plans\">2. Earning returns on your investments (mutual funds plans)?<\/h2>\n\n\n\n<p>Right now, the only investments on Cowrywise are mutual funds and they are categorized into <a href=\"https:\/\/cowrywise.com\/mutual-funds\">conservative, moderate, and aggressive funds<\/a>.&nbsp;<\/p>\n\n\n\n<p>You earn fixed annual returns on conservative funds. While on moderate and aggressive mutual funds, you earn through capital appreciation. For example, if you buy units at N10,000 but sell at N15,000, you\u2019ve earned an extra N5,000 in capital gains.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-earning-on-referral-bonuses\">3. Earning through the referral program ??<\/h2>\n\n\n\n<p>As stated earlier, you can also earn on Cowrywise through our incentivized referral program. Just that this time, you earn via fee waivers.<\/p>\n\n\n\n<p>When you refer a friend to use Cowrywise and they save or invest up to N5,000, you both get one fee waiver on an investment transaction. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"what-you-save-or-invest-determines-your-interests-or-returns\">Remember \u2013 what you save or invest determines your interests or returns.<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"598\" src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/total-saved-and-invested-2022-roundup-1024x598.png\" alt=\"total saved and invested by a customer from 2022 roundup\" class=\"wp-image-12111\" srcset=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/total-saved-and-invested-2022-roundup-1024x598.png 1024w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/total-saved-and-invested-2022-roundup-300x175.png 300w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/total-saved-and-invested-2022-roundup-768x449.png 768w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/total-saved-and-invested-2022-roundup-1536x898.png 1536w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/total-saved-and-invested-2022-roundup-2048x1197.png 2048w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/total-saved-and-invested-2022-roundup-360x210.png 360w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>We had a customer reach out to us upset because they had invested N3,000 in a mutual fund in November 2021. By December 2021, they had removed the funds because they didn\u2019t see a \u201csignificant\u201d increase.<\/p>\n\n\n\n<p>But realistically, there can be no significant increase when you invest for just one month. You have to be in this for the long haul and you should invest consistently, not just one-off.<br><br>Also, your interests and returns are dependent on how much you\u2019ve funded your plans. For instance, you will earn more in interest on your plan with N600,000 than with N6,000.<\/p>\n\n\n\n<p>Sadly, people&#8217;s perception of investments has been skewed by <a href=\"https:\/\/cowrywise.com\/blog\/ponzis-in-nigeria\/\">Ponzi schemes<\/a> so they often come to Cowrywise expecting their funds to double. However, we don\u2019t do that here.&nbsp;<\/p>\n\n\n\n<p>Legitimate investments and wealth building in general take time, but we make it worth it.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusively\">Conclusively ??<\/h2>\n\n\n\n<p>At Cowrywise, we\u2019re determined to help millions of Africans save and invest the right way. That\u2019s why financial education is so important to us.&nbsp;<\/p>\n\n\n\n<p>Building wealth is a long-term game and understanding that will ensure you\u2019re not burnt by fraudulent people.<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f5f7fc\">So, are you ready to begin saving and investing steadily and securely? <a href=\"http:\/\/cwry.se\/blog_signup\"><span style=\"text-decoration: underline;\">Then get started here<\/span><\/a><em><a href=\"http:\/\/cwry.se\/blog_signup\" target=\"_blank\" rel=\"noreferrer noopener\">.<\/a><\/em> You\u2019ll have a great time using the app to reach your financial goals.<\/p>\n\n\n\n<p class=\"has-large-font-size\">ALSO READ<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/cowrywise.com\/blog\/referral-bonus-experiment\/\">Why We Stopped Giving Money as Referral Bonus on Cowrywise<\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><a href=\"https:\/\/cowrywise.com\/blog\/what-are-mutual-funds\/\">What are Mutual Funds?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How to make money on Cowrywise legitimately ? At first, I hesitated writing about \u201chow to make money on Cowrywise\u201d but since&#8230;<\/p>\n","protected":false},"author":12,"featured_media":9047,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[135,312,173,133],"tags":[493],"coauthors":[480],"class_list":{"0":"post-6628","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investment-tips","8":"category-money-tips","9":"category-saving-tips","10":"category-cowrywise-updates","11":"tag-explore"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Make Money on Cowrywise<\/title>\n<meta name=\"description\" content=\"Have you ever searched for how to make money on Cowrywise? Then this post is for you. 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It highlights legitimate ways to earn from the app.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cowrywise.com\/blog\/make-money-on-cowrywise\/\" \/>\n<meta property=\"og:site_name\" content=\"Cowrywise Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/cowrywise\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-03T10:25:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-08T09:03:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/02\/folded-money-notes-illustration.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mobolaji Olorisade\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@cowrywise\" \/>\n<meta name=\"twitter:site\" content=\"@cowrywise\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mobolaji Olorisade\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/cowrywise.com\/blog\/make-money-on-cowrywise\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/make-money-on-cowrywise\/\"},\"author\":{\"name\":\"Mobolaji Olorisade\",\"@id\":\"https:\/\/cowrywise.com\/blog\/#\/schema\/person\/7993e754a560401d627d5da0ef6b3f8a\"},\"headline\":\"How to Make Money on Cowrywise\",\"datePublished\":\"2022-02-03T10:25:29+00:00\",\"dateModified\":\"2025-01-08T09:03:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/make-money-on-cowrywise\/\"},\"wordCount\":882,\"commentCount\":16,\"publisher\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/make-money-on-cowrywise\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/02\/folded-money-notes-illustration.jpg\",\"keywords\":[\"explore\"],\"articleSection\":[\"Investing\",\"Money Tips\",\"Savings\",\"Updates\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/cowrywise.com\/blog\/make-money-on-cowrywise\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cowrywise.com\/blog\/make-money-on-cowrywise\/\",\"url\":\"https:\/\/cowrywise.com\/blog\/make-money-on-cowrywise\/\",\"name\":\"How to Make Money on Cowrywise\",\"isPartOf\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/make-money-on-cowrywise\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/make-money-on-cowrywise\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/02\/folded-money-notes-illustration.jpg\",\"datePublished\":\"2022-02-03T10:25:29+00:00\",\"dateModified\":\"2025-01-08T09:03:44+00:00\",\"description\":\"Have you ever searched for how to make money on Cowrywise? 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