Nigerian fintech • Bold • Afrocentric

Your money.Your power.Savings & investment for the next generation

Owo makes growing wealth automatic. Set it once. Watch it move. Built here, for here.

High-yield savings18% p.a. Dollar walletsZero fees Instant withdrawals60 seconds CBN regulatedNDIC insured Auto-save rulesSet and forget Group Ajo savingsDigital & secure High-yield savings18% p.a. Dollar walletsZero fees Instant withdrawals60 seconds CBN regulatedNDIC insured Auto-save rulesSet and forget Group Ajo savingsDigital & secure

Traction

Money that never sleeps.

Every second, Owo users are earning interest on their naira. This is what financial infrastructure built for Nigeria looks like.

₦4.20B

Total saved

89k

Active savers

18%

Annual yield

60s

Withdrawal time

Features

Built for how
Nigerians actually live

Not designed in San Francisco and ported here. Built here, for here, from the first line of code.

Auto-save before you spend

Money moves the moment your salary lands. You never have to remember. You never have to resist.

Save in dollars

Protect your wealth from naira inflation. Dollar wallets with no minimum, no conversion fees.

Real-time growth

See exactly how much your money earned today, this hour, right now. No monthly statements.

Ajo group savings

Digital rotating savings with people you trust. Automated payouts. No paperwork.

NDIC protected

Every naira insured up to ₦5 million. CBN regulated. Your savings are safe here.

Invest from savings

Treasury bills, money market, dollar funds. One tap from your savings balance. No separate app.

The product

Everything in one place.

The app was designed for people who have never invested before. Clean, fast, and honest about where your money goes.

1
Open account in 2 minutesBVN verification. No branch visits.
2
Set your saving ruleDaily, weekly, or per paycheck.
3
Watch it growLive balance. 18% p.a. No surprises.

9:41

Good morning,

Ngozi.

Total savings

₦234,800

▲ +₦3,200 this week

↕

Transfer

Add money

Recent activity

Auto-save+₦3,000

Interest earned+₦187

Dollar wallet+$12.40

Stories

People who started before they were ready.

I started with ₦3,000 a week during NYSC. Eighteen months later I had enough to quit my job and go full freelance.

Timi I.

Developer, Lagos

I got laid off in April. My Owo emergency fund kept me and my family going for four full months without panic.

Adaeze O.

Marketing manager, Abuja

First in my entire family to invest. I did not even know what a treasury bill was six months ago. Now I have three.

Chukwuemeka N.

Civil servant, Enugu

Owó

Get started today

Start beforeyou feel ready.

The ₦500 you save today matters more than the ₦50,000 you plan to save later.

Create free account