Cowry Card users in Nigeria usually load their card through the Cowry wallet first, then transfer the money to the card at a terminal or self-service device. Some users can also top up directly through supported apps or the Cowry web portal, and cash/POS recharge may be available at official terminal kiosks in Lagos.

Quick Scoop

The most common flow is:

  1. Fund your Cowry wallet using USSD, bank transfer, or a supported app.
  1. Move the money from the wallet to the Cowry Card at a bus, train, or waterway terminal using a self-service machine.
  1. Tap the card to pay on Lagos transport services like BRT and other supported routes.

Ways To Load It

  • USSD: Some supported bank USSD formats let you fund the Cowry wallet, then transfer to the card.
  • Cowry app or website: You can top up online in the official digital channels.
  • Terminal kiosks/self-service points: You can load at official transport terminals, often through attendants or machines.

Important Note

In the available sources, the card is described as being used mainly for Lagos public transport , and the wallet-to-card transfer step is emphasized repeatedly.

If you want, I can turn this into a short step-by-step guide for how to load Cowry Card from MTN, Airtel, Glo, or bank USSD.