

How The Cowry Card Works
- 1
Obtain and register your card.
- 2
Top-up your card.
- 3
Wait for the next bus to your destination.
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Tap-in as you board the bus.
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Tap-out before alighting at your destination.
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Tap-out before alighting at your destination.
How The Cowry App Works
- 1
Download the COWRY app from google play or apple store.
- 2
Register it with the same phone number you used to register your card.
- 3
Wait for the next bus to your destination.
- 4
Click on the “pay with QR” code option on the dashboard
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Scan the QR code pasted on the bus to tap in.
- 6
Scan the generated ticket on your phone before alighting at your destination to tap out.


Creating A Seamless Transport System
Efficient transport is critical for strengthening the country's investment climate and enhancing economic growth. We are creating a seamless transport system to connect Lagosians with the people and the things they love.
Easy Wallet Transfer
Transfer money to other cowry wallet users using the Cowry app.
Find Nearby Terminals
Find closest terminal using the map feature on Cowry app
Traffic Report
Get real time update on traffic along BRT lanes in Lagos.
View Transaction Logs
Track spending limits on all bus, cards and wallet transaction using the Cowry
History
Access, track and monitor all your past trips on the app.
Online Mobile Topup
Track spending limits on all bus, cards and wallet transaction using the Cowry
Difference Between Your Wallet and Card
Your phone mobile wallet serves as your online mode of payment, while your card serves as your offline mode of payment.
They both work differently here is an outlined difference of the both payment system. This process created in other to create a seamless way of commuting, regardless of network coverage or not.
Card- (offline payment)
Your Card is your offline mode of payment to get on the BRT bus. It does not work like the atm card.
Wallet- (online payment)
Your mobile wallet is your online mode to get in the bus. This works by topping up your wallet.


Wallet To Card Transfer Is Done Using The Self Service or Customer Care At The Terminal
Visit the self service terminal or customer service agent at the terminal to transfer money from your wallet to card. They are stationed at every terminal in Lagos to make commuting easy for you.
They both works differently here is an outlined difference of the both payment system.
Wallet To Card Transfer
Wallet to card transfer is not done using your mobile app, but by visiting the self terminals or customer care
Wallet and Card Balance
Wallet and card balance are not the same, given that one wallet works online, while card works offline.
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