With Benefits

Get your FREE Spot debit card & manage it all in the app.
Secured through Mastercard.

Get a card you control

Free Airtime Every Time You Swipe

Get 3.5% back in free airtime every time you shop with your Spot debit card. There's no restriction on which shops you can earn at. Enjoy shopping literally anywhere!


Free Virtual Card

All of your accounts come with a free virtual debit card thats accepted worldwide so you can spend with your smartphone right away.

Prefer a card in your pocket? Simply order a physical card.

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Zero Transaction Fees

We don't believe in fees that seem to come out of nowhere.

Don’t pay any transaction fees when you spend using the Spot app or your debit card.



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Real Estate

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Spot Debit Card Perks

Zero Transaction Fees

We don't believe in hidden fees. Don’t pay any transaction fees on your debit cards.

Instant Notifications

Get free instant notifications when you make a purchase using your Spot cards.

Stay in Control 24/7

Freeze your card, manage your pin and view your card info - all in the app!

Secure Online Shopping

Pay online with your virtual cards for safe & secure online shopping.

A Card for Every Account

Get a virtual and physical card for each of your Spot accounts.

Spend Internationally

Spot cards are accepted worldwide with zero transaction fees when you swipe.

Safe & Secure

Spot debit cards are issued by Mastercard. World leaders in payment security.

Protect Every Purchase

Spot debit cards are issued by Bidvest Bank Limited under license from Mastercard, so you’re protected by the very best in payment security.

All Your Questions - Answered.

Not the answers you're looking for?

Step 1:

  1. Sign in to your Spot app.
  2. Tap the Cards icon at the bottom of your screen.
  3.  Tap on Order your card. You’ll be prompted to select where you want your card to be delivered and enter the delivery address. Please make sure you fill in all the fields to complete your order.
  4. Once you’ve entered your delivery information, tap Send and your card application will be sent to us. 

Heads up. It may take up to 5 working days for your card to be delivered but it’s usually much quicker than that.  

Step 2: 

Once your card is delivered, it’s time to activate it! 

  1. Sign in to your Spot app.
  2. Tap Cards at the bottom of your app screen.
  3.  Select Track or link card.
  4. Select Activate Card Now.
  5. Choose which account to link your card to and enter the 18 digit number and expiration date found at the back of the card and click Next.
  6. We’ll send you an OTP. Enter it and hit Next.
  7. Create a secure secret PIN for your card (remember not to share it with anyone) and your card’s now ready to use. 

A virtual card is exactly like a physical plastic card and comes complete with a card number, expiry date, and CVV. You can use your virtual card to safely shop online and sign up for online subscriptions.

How do I create a virtual card?

First things first, your virtual card is always linked to an account. So in order to get a new card, you have to create a new account. Ready?

  1. Sign in to your Spot app.
  2. On the home screen, swipe until you get to the Add new account screen.
  3. Got it? Great! Choose a name for your new account (the name will be for your virtual card).
  4. Click Save, give the app a few seconds to do its magic and ta-da, you have a new virtual card. 

Yes! You can use your physical Spot card to shop on international online stores with zero transaction fees!. You can also use your Spot card to subscribe to streaming services like Netflix and Spotify.

If you add your card as your primary payment method to streaming services, your subscription will automatically renew at the end of each subscription period.

Click this link while you’re on your mobile phone to download the Spot app from your phone’s App Store. You can also search for Spot Money on your App Store and download it from there.

Once your app is successfully downloaded, select “Sign Up” to complete our quick registration and verification process process. 

Download Spot & Maximise Your Money

App Store

50K+ downloads

Google Play

100K+ downloads


35K+ downloads

Spot app is an offering by Spot Money SA (Pty) Ltd (2005/016196/07) in association with Bidvest Bank Ltd (2000/006478/06), an authorised FSP and credit provider.

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