The
Future of
Money
Spending
Shopping
Saving
Rewards
Banking
Open an account in 2 minutes without leaving your home.
Save, spend & maximise your money from your pocket.
As Seen In
Welcome To Your Money HQ
Spot Money is your free account for everyday needs. Open your account in minutes. No paperwork. No queues. No account fees. No hassle.
Safe & Secure
Spot Money accounts are secured at Bidvest Bank under their banking license.
Easy Payments
Pay & get paid instantly for free and make payments anyway you want.
No Monthly Account Fees
It shouldn't cost you to have a bank account. With us, it's free.
Group Accounts
An easier way to save and share expenses with up to 10 family and friends.
All From One App
More than just a bank account - shop anywhere, buy airtime, data & electricity all in the app.
100% Digital
Do everything from your phone. Available 24/7. No queues. No paperwork.
Make sending & receiving money simple and clear
- Free instant money transfers between Spot users
- Zero transaction or monthly account fees
- Scan any QR code to make payments
- Send money to 15+ countries at exclusive rates
- Safely shop with your physical or virtual card
The card that keeps you connected.
We're redefining rewards. Get cashback in the form of airtime when you shop at Takealot, Bolt, Checkers Sixty60, Mr D... the list goes on!
Unlike other cashback apps, there's no voucher codes to worry about. Simply pay as you normally would, and get instant connection.
Finance should be personal
We work with leading financial service providers across South Africa to find you personal loans and insurance that fit your pocket.
Get coverage from the best in SA with Spot insurance, powered by Hippo.
Partnering with world leaders in payments security.
Top Up Account Easily
Your Spot debit card is issued by Mastercard. It's accepted globally, meaning you aren't restricted on where you can spend.
We’ve partnered with Bidvest Bank Limited, an authorised FSP and credit provider to bring you the highest safety standards when it comes to securing your money.
Don't Just
Take Our
Word for it
This app is a marvel to use. Does exactly what it says it does. Second to none!!!
Sonwabiso
Spot Money is AMAZING ❤️ Transferring money in seconds... Tapping and swiping with no bank charges at all. Absolutely loving it!
Chevon
Really great app, arguably South Africa's best challenger bank!
Hogan
Great app, but even better service! Well done to doing what no other banking service has managed to achieve, you have really raised the bar.
Busisiwe
Download Spot & Maximise Your Money
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