Spot Money - Mobile Banking 4+

The app has a minimalistic look and feel. That’s translated into its usability which has been a joy. It’s made me embrace using virtual paying methods a lot more even though they took less than 48 hours to deliver my physical card (that I’ve never had to use).

It’s good for alternative spending use and tap and go friendly. Recommend it if you need alternative to a traditional bank/ to separate and track spending.

Hi Sphu, thank you for your rating and feedback🙌 Please share your experience with your friends and family so that they too can simplify their day-to-day money transactions. If you need help with anything, reach out to us by tapping "Get Help" in the App. Spot you later - Rod 😉

The wait time is too long for it to come back with an attempt countdown, which doesn’t make any sense, considering that the image is very clear, and the rectangular guide for scanning doesn’t show.

Once you close the app, as instructed by the support desk, you can’t pickup the conversation from where you left off, therefore, the user has to start all over again! I had to chat to 3 different agents for the same issue that still hasn’t been resolved.

My suggestion - your dev team needs to relook into the bug situation, and the UX/UI team needs to relook the chat situation and the inability to go back into the app when you’ve opened an image that you sent to an agent during a chat. The idea is great, but the execution needs work. With these pending issues, the referral program will not work best, and considering that the app is supposed to hold people’s money, the issues do not encourage trust.

Hi @Ayvee_Msk , Thank you for your detailed and valued feedback. We would love to have the opportunity to call you and have a quick chat about the issues that you encountered. This is certainly not the experience that we hope for our users. That said, we have many users successfully onboard daily. Please send an email to help@spotmoney.com and provide your mobile number so that we can assist you and understand the issues that you've mentioned. We look forward to assisting you.

I am not able to add my RCS card under payments as it doesn’t give me that option, although the option was available earlier this week. I have tried emailing Spot, chatting to them via the app and Facebook messenger and haven’t received a single response! This is really frustrating- especially since the reviews on the app seems positive overall

Hi Alida, we apologize for the delay in responding to you during our shutdown period, we've been clearing our backlog and we're back on track now.

The RCS top-up option has been temporarily removed due to high fraudulent activity recently. We'll be adding it back as soon as we've implemented additional security checks. We'll let you know when it's been re-added.


For now, you can still top-up with the usual methods, such as topping up from your linked bank account or instantly via Ozow for free. You can find detailed steps on our FAQ pages.