Cowrywise: Save, Invest safely

4.6
40.5K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Cowrywise is a wealth management app that enables you to plan, save and invest money easily. With direct access to the largest pool of mutual funds in Nigeria, you can build your savings and invest in Naira and USD denominated assets, manage your money securely and build a better financial future.

With the Cowrywise app, you can:
Save for short-term and long-term goals:
● Start automated savings with our Regular Savings Plan
● Stay disciplined and save for long-term goals like education, housing, retirement, a wedding, or your business
● Earn stronger interest rates than you’ll find at any bank in Nigeria

Invest and grow your wealth:
● Invest and diversify your portfolio by investing in any of our Naira & USD denominated mutual funds from top investment firms in Nigeria. Invest in mutual funds that match your financial goals and risk appetite

Feel safe when you trust us with your money:
● Your savings are invested in low-risk financial instruments, held by Zenith Nominees, and registered with the Security and Exchange Commission (SEC). This means your money is professionally managed and secured.
Never feel like you’re doing it alone:
● We offer support through the app, phone, email, Facebook, Instagram, and Twitter. Whether you need help with set-up or want to talk to an advisor about the investment plans, we’re always here to help!

Don’t wait another minute to take control of your financial future. Start planning for short-term goals, and long-term goals now by creating savings and investment plans with Cowrywise.
Updated on
Sep 6, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.6
40.1K reviews
Red Ruby
March 25, 2025
While your app is great and all, there should be a way to withdraw from a locked savings plan. Maybe by having to pay a particular amount as penalty fee if the savings gets unlocked before its maturity date. The way you guys are doing it currently is kind of crazy. Also making people relock their savings plan before allowing them to withdraw from it is also insane. And your returns on investment plans also sucks!
94 people found this review helpful
Did you find this helpful?
Cowrywise
April 7, 2025
Hi there! Thanks for your feedback! To help you stay committed to your goals, we lock funds until the set maturity date. However, we understand emergencies happen; that’s why our Emergency Plan lets you access your funds within 24 hours. Rest assured, we are constantly striving to provide you with the best possible experience. 💙
Emmanuel Unique
August 24, 2025
I have used Cowriewise for the past three years, and I can confirm that they are reliable and have helped me develop a better savings and investment culture. My only concern is with buying stocks through their investment platform. The buffer charge and additional costs make short-term trading expensive due to the added costs per unit of stock purchased.
31 people found this review helpful
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Cowrywise
August 29, 2025
Thank you for sticking with us, Emmanuel! We’re so glad Cowrywise has helped you build a stronger savings and investment culture. We hear your concern about stock charges; they come from the exchange and are standard across platforms. Rest assured, we are constantly striving to provide you with the best possible experience. 💙
Madu Okafor
September 1, 2025
Cowrywise app has an amazing UI interface and generally has robust information about stocks and other investment options which makes it very convenient to use. Information is power and this, to me, sets them apart in the sea full of finance apps. Kudos to the product development team! Keep raising the bar!
Did you find this helpful?
Cowrywise
September 4, 2025
Hi Madu! Thank you for the amazing feedback. We’re so glad you love the UI and the detailed information we provide on stocks and investments. Your kind words to the product team mean a lot. We’ll keep raising the bar for you! 💙

What’s new

Look at your money grow! 💸
We now highlight your monthly earnings on your savings and conservative investments for clearer, faster insights.

A sleeker, sharper experience 😎
We’ve tightened things up under the hood and on the surface. The result? A smoother, more intuitive ride every time you open the app.