The Stash is basically a virtual wallet on the Cowrywise app. You can transfer from any bank account into your Stash account number via mobile bank transfers or USSD.

Funds in your Stash can be used for the following;

  • Transferred to a savings plan

  • Transferred to an investment plan

  • Transferred to another Cowrywise user

  • Transferred to your bank account.

How to Set Up Stash

  • Select the option for Stash at the bottom right of the app (it has a wallet icon). 

  • Click on it to read about the feature and select the Get Started button.

  • Fill out the form with your BVN and date of birth (BVN helps us validate each customer).

  • Once you fill it, virtual account numbers will be generated for you. Transferring to any of those accounts automatically credits your Stash.

Transfers made into your account should reflect almost immediately. However, if it doesn’t reflect after 30mins, please send a mail to

Kindly attach a screenshot of the debit alert you received for the transaction, as well as the 30 digit session ID for the transaction. You can request this ID from your bank.

This will help us resolve this ASAP.

How to Fund a Plan from my Stash

To fund a plan, first, make sure there's some money in your Stash. Once your Stash is funded, you can go ahead to fund your plan with either of these methods.

If you have an existing plan:

  • Select the plan you want to fund

  • On the plan page, select top-up 

  • Input the amount to transfer to the plan and select the payment option

  • Choose Stash as the payment method

PS If you're a new customer with no existing plan:

  • Fund your Stash then proceed to set up a plan

  • Fill out the plan details (Note: You will have to select the option to save whenever you want to as Stash transfers cannot be automated at the moment)

  • Select Stash as the funding source

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