Your Intelligent
Financial Companion

From instant money transfers to planning your financial future, Kowri has you covered. Connect your entire financial world in one place.

Kowri App Kowri App

Your Complete Financial Journey

Pay, Borrow, Save, and Protect - all in one app

Pay

Pay

Send money, pay bills, buy airtime - handle all your payments instantly

Borrow

Borrow

Access credit when you need it with Kowri's microloan offerings

Coming Soon
→ Join Beta Program
Save & Invest

Save & Invest

Grow your wealth with high-yield savings and investment opportunities

Coming Soon
→ Join Beta Program
Protect

Protect

Secure your future with insurance products for health, travel, and more

Powerful Features for Your Daily Finance

Send Money

Send & Receive Money Instantly

Transfer funds to anyone - Kowri users, bank accounts, or mobile money wallets - instantly and at smart rates. Send money fast with transparent, competitive fees for both local and international transfers.

  • Instant transfers to bank accounts
  • Send to mobile money (MTN, Vodafone, etc.)
  • Transfer to other Kowri users instantly
  • Low fees, no hidden charges

Pay Bills & Utilities in One Place

Handle all your recurring payments from utilities and tuition to insurance - unified in a single dashboard. Payments process instantly, keeping your services active and your life running smoothly.

  • Set up automated bill payments
  • Payment history and receipts
  • Get reminders for due bills
  • Support for all major utility providers
Pay Bills
Buy Airtime

Buy Airtime & Data with Discounts

Top up mobile airtime or data for yourself and others in seconds, often with exclusive discounts on airtime purchases through the Kowri app.

  • Exclusive discounts for Kowri users
  • Buy for others in one tap
  • Instant crediting to any network
  • Track your data usage
Personal QR Code

Personal QR Code for Payments

Generate your personal QR code to send or receive payments securely without sharing phone numbers or account details.

  • Instant payment via QR scan
  • Safe and secure transactions
  • Perfect for in-person payments
  • Works with all mobile phones

Insurance at Your Fingertips

Protect what matters with insurance products available in-app. Get travel insurance, car insurance, and more directly through Kowri. File claims seamlessly without the hassle of offline paperwork.

  • Travel insurance
  • Car insurance
  • Seamless in-app claims
  • Easy policy management
Insurance
Finance Dashboard

Smart Personal Finance Management

Get a complete view of your financial life in one place. Track expenses, monitor spending patterns, and schedule recurring payments - all from a unified dashboard that brings clarity to your money.

  • View all accounts in one dashboard
  • Track spending by category
  • Schedule payments and never miss a due date

Your Money is Safe with Kowri

Security

Bank-Level Security

Advanced encryption and security protocols keep your data and money safe at all times.

Biometric

Biometric Login

Use fingerprint or face recognition for quick and secure access to your account.

Fraud Protection

Fraud Protection

24/7 monitoring and instant alerts protect you from fraudulent transactions.

Licensed

Licensed & Regulated

Kowri operates under strict regulatory guidelines to ensure your peace of mind.

Get Started with Kowri Today

Join 100,000+ users who trust Kowri for all their financial needs

Free to download • No credit card required