Value proposition

The future of banking.
Send & receive money. Earn Airtime & Data Rewards. No monthly fees.

Spot is your free account for everyday needs allowing customers to save, spend and maximise their money. We exist to make daily life easier and more rewarding.

Spot Money combines payments, transactional banking, rewards, alternative credit and a shopping marketplace, in one easy-to-use app.

100% Mobile with ZERO account fees.


⚡No-monthly-fee transactional account.

⚡Tap to pay with your Spot card.

⚡Scan any QR to pay.

⚡Get loans and insurance offers in our open banking marketplace.

⚡ Send cash to friends on Spot, it's fast and free.

⚡Earn Airtime & Data rewards when you shop at any of our partner stores.



digital banking, finance, fintech, insurance, loans, banking, southafrica, and app