Regular customer here and I must say Cowrywise has made saving money less of a pain than I thought it would be. The automated savings feature is what got me — set it and forget it, my salary just goes in and the app takes care of the rest before I even know what happened. As a banker I know how these things work, and their mutual funds options are solid, gives you actual returns instead of your money just sitting there. Five months in and I'm actually impressed with how much I've accumulated without feeling the pinch, I no go lie.