On Cowrywise, your returns are reported to you at the end of each day. Current returns are the interest you have currently have earned on your savings while Lifetime returns keep a record of all the returns that you have earned on Cowrywise, both on old savings plans and current savings plans.

Once your savings plan matures, the current returns earned on the plan become added to your saved amount; i.e all saved amount and earned interest becomes. your capital and this is when compound interest applies to you roll over for your matured savings for another duration of time, you begin to earn interest on your already earned interest.