Chats Adventures Costs Payments Accounts

Open group accounts with up to 10 people as an easy way to save and share expenses.

3's Not a Crowd

With up to 10 people in a shared account you can save for a holiday, share food or household costs & track spending.

Creating a group account is simple and takes less than 2 minutes.

See Who's Spending

Get free instant notifications when anyone spends or contributes to your shared account.

Just like all your Spot accounts, we don't charge a monthly fee to you or anyone else in your shared account.

A card for everyone

Everyone can get their own Mastercard powered virtual and physical cards with unique card numbers ready for safe & secure spending.

Plus - don’t pay any transaction fees when you spend using Spot debit cards.

It's easy to create a joint account

Sign up to Spot

Download the Spot app. It’ll only take a few minutes.

Create your group account

Tap the arrow drop down on the home screen and click ‘Add New’. Give the account a name, create a pin and save.

Invite your favourite people

From the account options, select ‘Share account’ & invite people to join the account. All users must have Spot to use the group account.

All Your Questions - Answered.

Not what you're looking for?

All members of your group account are able to add money and transact with that account only. They won’t be able to access any of your accounts or private info. Ever.

You also won’t be able to share your account with anyone who isn’t on the Spot app and part of having an active Spot account, is being FICA verified.

BUT, you still need to know who you’re sharing your account with because the responsibility of managing it is all yours.

When you open a group account with someone, the onus is on you to make sure you trust them not to do something shady with the funds in the account. Unfortunately, if this happens, it’s up to you to sort out.

Our advice:

  • Don’t open a group account with someone you don’t trust.
  • If you’re suspicious of someone’s account activity, rather remove them from the group account. 

If you want to read our full shared account Ts&Cs, you can check them out here.

Short answer. 10 max. But you can also just have a group account with one or two, it’s up to you. 

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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