Cowrywise: Review and Features of the Savings and Investment App


Cowrywise is a fintech app that allows you to save and invest your money with ease. You can create different savings plans, earn interest on your savings, access mutual funds from top fund managers, and track your financial goals on the app. In this blog post, we will review some of the features and benefits of Cowrywise, as well as answer some of the common questions you may have about the app.

Table of Contents

Cowrywise Login

To use Cowrywise, you need to create an account on the app. You can download the app from Google Play Store or Apple App Store, or visit the website at

. To sign up, you need to provide your name, email, phone number, and a password. You also need to verify your identity with your Bank Verification Number (BVN) and a valid ID card. This is to ensure that your account is secure and compliant with the regulatory requirements.

Once you have created your account, you can log in with your email and password, or use the biometric option if your device supports it. You can also reset your password if you forget it by clicking on the “Forgot Password” link on the login page.

How to Withdraw from Cowrywise

One of the advantages of Cowrywise is that you can withdraw your money at any time, as long as your savings plan has matured. A matured plan is one that has reached the end date that you set when you created it. You can also choose to rollover your plan for another period and earn more interest.

To withdraw from Cowrywise, you need to follow these steps:

– Login to your account

– Click on Save (Select either regular or circles)

– Click on the plan you want to withdraw from and select Proceed

– Under stop saving, click Transfer to Stash (to withdraw to your bank account, you need to send the funds to Stash first)

– Select Withdraw to Stash

– Select Proceed and enter the amount you want to withdraw

– Set a new maturity date for subsequent savings

– Choose if you want us to save for you automatically subsequently or if you would prefer to save manually

– Click on Make Withdrawal

Your funds will move from your matured plan to your Stash, which is a flexible wallet that allows you to access your money anytime. You can then send the funds to your bank account from there at any time.

To withdraw from Stash:

– Go to the Stash page

– Click on the three-dotted icon at the top right of the page

– Select the withdraw option

– Click Got it on the information modal that comes up

– Select the bank to withdraw to

– Type in the amount you want to withdraw taking note of the withdrawal fee

– Then use your Cowrywise PIN to verify

Your withdrawal will be processed within 24 hours after it is initiated.

Cowrywise App

The Cowrywise app is a user-friendly and convenient way to manage your savings and investments on your mobile device. You can do everything on the app that you can do on the website, such as:

– Create and edit savings plans

– View and manage your mutual funds

– Track your financial goals and progress

– Refer friends and earn rewards

– Contact customer support

– Update your profile and settings

The app also has some features that are exclusive to it, such as:

– Biometric login option

– Push notifications and reminders

– Dark mode option

– In-app chat with other users

The app is compatible with Android and iOS devices, and you can download it for free from the respective app stores.

How to Download the Cowrywise App

The Cowrywise app is available for free on the Google Play Store and the App Store. To download the app, follow these steps:

– Go to the Google Play Store or the App Store on your device and search for “Cowrywise”.

– Tap on the app icon and then tap on “Install” or “Get”.

– Wait for the app to download and install on your device.

– Once the app is installed, tap on “Open” to launch it.

How to Use the Cowrywise App

To use the Cowrywise app, you need to create an account and verify your identity. To create an account, follow these steps:

– Open the Cowrywise app and tap on “Create Account”.

– Enter your name, email address, phone number, and password.

– Tap on “Continue” and then enter the verification code sent to your phone number or email address.

– Tap on “Verify” and then complete your profile by entering your date of birth, gender, occupation, bank account details, and BVN.

– Tap on “Continue” and then upload a photo of your ID card (national ID, driver’s license, voter’s card, or international passport) and a selfie.

– Tap on “Submit” and wait for your identity verification to be completed.

Cowrywise Interest Rate

Cowrywise offers competitive interest rates on its savings and investment products. The interest rate varies depending on the type and duration of the plan you choose. The longer you lock your money, the higher the interest rate you get.

For regular savings plans, the interest rate ranges from 10% to 15% per annum. For circles savings plans, which are group savings plans that allow you to save with friends or family, the interest rate ranges from 10% to 13% per annum. For mutual funds, which are professionally managed investment portfolios that allow you to diversify your risk and returns, the interest rate depends on the performance of the fund and the market conditions.

You can check the current interest rates for each product on the app or website before you create a plan. You can also use the calculator tool to estimate how much interest you will earn over time.

Cowrywise Reviews

Cowrywise has received positive reviews from many of its users who have praised its ease of use, security, customer service, and returns. Some of the testimonials from users are:

“I love Cowrywise because it helps me save and invest without stress. I can set my savings goals and automate my deposits. I also like the fact that I can access mutual funds from different fund managers and diversify my portfolio. Cowrywise is the best app for anyone who wants to achieve financial freedom.” – Oluwaseun

“Cowrywise is a lifesaver. It has helped me to discipline myself and save for the future. I also enjoy the interest I get on my savings, which is higher than what the banks offer. Cowrywise is a reliable and trustworthy app that I recommend to everyone.” – Chidinma

“Cowrywise is a game-changer. It has made saving and investing fun and easy for me. I can create different plans for different purposes, such as travel, education, emergency, etc. I also like the fact that I can withdraw my money anytime I need it, as long as my plan has matured. Cowrywise is a must-have app for anyone who wants to grow their money.” – Emeka

Cowrywise Customer Care

Cowrywise has a responsive and friendly customer care team that is always ready to assist you with any issues or inquiries you may have. You can contact them through any of the following channels:

– Address: 5C Reverend Ogunbiyi Street, Ikeja GRA, Lagos Nigeria.

– Email:

– Phone: +234 903 000 0857

– WhatsApp: +234 903 000 0857

– Twitter: @cowrywise

– Facebook: @cowrywise

– Instagram: @cowrywise

– In-app chat

The customer care team is available from Monday to Friday, 8 am to 5 pm, and on Saturday, 10 am to 2 pm.

Is Cowrywise Legit?

Cowrywise is a legit and registered company that operates under the laws and regulations of Nigeria. The company is licensed by the Securities and Exchange Commission (SEC) as a fund/portfolio manager. The company is also regulated by the Central Bank of Nigeria (CBN) and the Nigeria Deposit Insurance Corporation (NDIC).

Cowrywise uses bank-level security measures to protect your data and funds from unauthorized access or fraud. The company uses encryption, firewalls, SSL certificates, two-factor authentication, and biometric verification to secure your account. The company also partners with reputable banks and fund managers to ensure that your money is safe and invested wisely.

Cowrywise vs Piggyvest

Cowrywise and Piggyvest

Cowrywise and Piggyvest are two of the most popular fintech apps in Nigeria that offer similar services such as savings, investments, and financial education. However, there are some differences between them that may influence your choice of which one to use.

Some of the differences are:

– Interest rate: Cowrywise offers higher interest rates on its savings products than Piggyvest. For example, Cowrywise offers up to 15% per annum on regular savings plans, while Piggyvest offers up to 10% per annum.

– Mutual funds: Cowrywise offers more mutual funds options than Piggyvest. You can access over 20 mutual funds from different fund managers on Cowrywise, while you can access only 4 mutual funds on Piggyvest.

– Withdrawal fee: Cowrywise charges a withdrawal fee of N50 on every withdrawal from Stash to your bank account, while Piggyvest does not charge any withdrawal fee.

– Referral bonus: Cowrywise offers a referral bonus of N250 for every friend you invite who creates a plan of at least N100, while Piggyvest offers a referral bonus of N1000 for every friend you invite who saves at least N5000.

Both apps have their pros and cons, and you may choose to use either or both depending on your preferences and goals.

See also: Taptap Send App – Send Money to your Love ones In Nigeria and Abroad


Cowrywise is a great app for anyone who wants to save and invest their money with ease and convenience. You can create different savings plans, earn interest on your savings, access mutual funds from top fund managers, and track your financial goals on the app. You can also withdraw your money at any time, as long as your plan has matured. Cowrywise is secure, reliable, and regulated by the relevant authorities. You can download the app from Google Play Store or Apple App Store, or visit the website at to get started.

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Ayodeji Kolawole

My name is Ayodeji Kolawole. Please note that I am not in any way affiliated with any company you read about on this blog. For more info email me on

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