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Cowrywise: Save & Invest Money

Le pouvoir de maîtriser l'épargne et l'investissement au Nigeria, sans les banques. Cette application transforme la gestion financière, la rendant directe et sans fioritures.

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Chiffres Clés

Téléchargements

500k+

Note

4.5/5

Nombre d'avis

39.2K

Éditeur

CowryWise Inc

Catégorie

Finance

Langues

Dernière version

8.19.1

Taille

127.2 MB

Date de sortie

17 oct. 2018

Fonctionnalités

Une évaluation de l'application 'Cowrywise: Save & Invest Money' et de son alignement avec les besoins des utilisateurs au Nigeria.

Analyse des fonctionnalités clés de Cowrywise

Sécurité et conformité réglementaire

L'application assure la sécurité des fonds et des données personnelles grâce à une licence de la SEC, la ségrégation des actifs par un dépositaire tiers (Zenith Nominees), l'authentification à deux facteurs et la conformité aux régulations de protection des données (NDPC).

Investissement direct en actions nigérianes

L'outil offre un accès direct à plus de 140 actions cotées à la Bourse nigériane, avec des données en temps réel, des analyses et un mini-cours intégré pour guider les utilisateurs dans leurs investissements.

Épargne automatisée et flexible

L'application permet de mettre en place des plans d'épargne automatiques, quotidiens, hebdomadaires ou mensuels, à partir de ₦1,000 pour atteindre divers objectifs personnels (loyer, études, projets).

Investissement en fonds communs de placement

Il est possible d'investir dans une gamme de fonds communs de placement adaptés aux objectifs financiers et à l'appétit pour le risque, y compris des actifs à faible risque comme les bons du Trésor, les obligations ou les actions, favorisant la diversification.

Rendements attractifs sur l'épargne

L'application offre des taux d'intérêt à deux chiffres sur l'épargne, significativement plus élevés que ceux généralement proposés par les banques traditionnelles, maximisant ainsi les rendements pour les utilisateurs.

Fonds d'urgence personnalisé

L'outil propose la création d'un fonds d'urgence sur mesure pour les utilisateurs, leur permettant de se préparer financièrement aux imprévus et aux dépenses inattendues, assurant ainsi une meilleure sécurité financière.

Support client multi-canal

L'application garantit une assistance client accessible via de multiples plateformes telles que l'application, le téléphone, l'e-mail et les réseaux sociaux (Facebook, Instagram, X), pour répondre aux besoins des utilisateurs.

Épargne collaborative (Circles)

La fonctionnalité 'Circles' permet aux utilisateurs d'épargner en groupe, facilitant l'atteinte plus rapide d'objectifs financiers partagés et encourageant la collaboration financière.

FAQ

Questions Fréquentes

Tout ce que vous devez savoir sur Cowrywise: Save & Invest Money

What is Cowrywise and what services does it offer?

Cowrywise is an SEC-licensed app for saving and investing money securely in Nigeria. It offers automated savings, mutual funds, and direct access to the Nigerian Stock Exchange.

Is Cowrywise a regulated and safe platform for saving and investing?

Yes, Cowrywise is SEC-licensed. Your savings are invested in low-risk instruments and held by Zenith Nominees, a Zenith Bank Plc subsidiary, ensuring professional management and security.

What is the minimum amount to start automated savings with Cowrywise?

Yes, you can start automated savings with as little as ₦1,000 on the Cowrywise app. This includes flexible daily, weekly, or monthly periodic plans to suit your needs.

Can I invest in Nigerian stocks using the Cowrywise app?

Yes, the Cowrywise app provides direct access to the Nigerian Stock Exchange. Users can buy stocks from over 140 listed companies, with real-time data and insights available.

What types of investments are available on the Cowrywise app?

Yes, you can invest in mutual funds matching your goals and risk appetite, including low-risk assets like Treasury Bills, bonds, and stocks. Direct access to Nigerian stocks is also available.

How does Cowrywise protect my personal data and account security?

Cowrywise implements PIN, two-factor authentication, and Security Questions for account protection. It also complies with NDPC regulations to safeguard user data, including BVN and bio-data.

Does Cowrywise offer automated savings and investment plans?

Yes, Cowrywise offers automated savings with flexible periodic plans. Users can set targets and periodic amounts, with automatic reinvestment features for their financial goals.

How can users fund their Cowrywise savings or investment plans?

Yes, users can fund their plans directly from their bank account without needing a card. The Cowrywise app supports linking bank accounts for both deposits and withdrawals.

Can I create and manage an emergency fund using the Cowrywise app?

Yes, Cowrywise allows users to create a personalized Emergency Fund to prepare for unforeseen events. The app provides features for automation, triggers, and customization of the fund.

What kind of interest rates can users earn on their savings with Cowrywise?

Yes, Cowrywise offers users the opportunity to earn double-digit interest rates on their savings. These rates are significantly better than those typically found at traditional banks.

Les captures d'écran et la description suivantes proviennent directement de la fiche officielle de l'application sur le store et sont la propriété du développeur.

App Store

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Description

We are licensed by the SEC, enabling you to grow and manage your money securely. With direct access to the largest pool of mutual funds in Nigeria, you can save and invest at competitive rates, and build wealth at your own pace, in ways that won’t take the “style” from your lifestyle. With the Cowrywise app, you can: SAVE FOR SHORT AND LONG-TERM GOALS - Start automated savings with as little as ₦1,000. Save every day, week, or month with our Flexible Periodic Savings Plan - Save for your periodic needs - rent, school fees, gadgets, dream car or apartment, etc - Earn double-digit interest - much better than you’ll find at your bank - Save as a group to reach your goals faster with Circles - Prepare for unforeseen emergencies by creating a personalized Emergency Fund OWN A PIECE OF NAIJA’S TOP PERFORMING COMPANIES - Naija, how market? The doors to the Nigerian Stocks Exchange are now open to you! Buy stocks of over 140 companies listed on the Nigerian Stock Exchange, right on the app. - Get access to real-time data, business insights and historical performances of each company - Get a visual snapshot of how the Nigerian Stock Market is performing through our State of the Market interactive heatmap. - Get actionable tips with our in-app stock mini course to help you on your Stock Investing journey. INVEST AND GROW WEALTH AT YOUR PACE - Invest in any of our mutual funds matching your financial goals and risk appetite. Mutual funds contain low-risk assets like Treasury Bills, bonds, or stocks - Diversify your portfolio by investing in different mutual funds from top investment firms in Nigeria. YOUR MONEY IS IN SAFE HANDS - We are licensed by the Securities and Exchange Commission (SEC). - Your savings are invested in low-risk financial instruments and are held by a custodian, Zenith Nominees, a subsidiary of Zenith Bank Plc. This means your money is professionally managed and secured. To protect your account, we have implemented security infrastructure such as PIN, two-factor authentication, and Security Questions. We comply with the National Data Protection Commission (NDPC) regulations to safeguard your data. Your BVN and bio-data are safe with us. GET SUPPORT WHEN YOU NEED IT! - We offer support through the app, phone, email, Facebook, Instagram, and X (formerly Twitter). If you need assistance with your account, we’re always here to help! HOW IT WORKS IN 5 SIMPLE STEPS: - Download the app - Create your account - Tap “Save” or “Invest” - Follow the prompts to fund any of your plans - Congratulations! You are now one step closer to a wealthier version of yourself. Start planning for short-term goals, and long-term goals, and take control of your financial future.