How to Make Transfers on Spenda

Whether you’re splitting a bill, paying a vendor, or sending a quick gift to a friend, Spenda makes money transfers simple, fast, and stress-free.

With just a few taps, you can move money from your Spenda wallet to another Spenda user or any Nigerian bank account; all from the same app.

Here’s how it works:

Sending Money to Another Spenda User

Got a friend or business partner already using Spenda? Good news! Transfers between Spenda users are instant and 100% free.

Steps:

1. Open the Spenda app and tap "Transfer".
2. Select "Spenda User".
3. Enter the recipient’s Spenda ID (they can find it in their profile).
4. Input the amount you want to send.
5. (Optional) Add a short note; maybe a quick “Thanks!” or “For lunch”.
6. Hit “Confirm”, and the money is transferred instantly.

Yes, its that easy.

Sending Money to a Nigerian Bank Account

Need to send funds to someone who isn’t on Spenda yet? No worries. You can easily transfer to any Nigerian bank account directly from your balance.

Steps:

1. In the app, tap "Transfer".
2. Choose "Bank Account".
3. Select the recipient’s bank from the list.
4. Enter the account number and let Spenda auto-verify the account name.
5. Input the amount you want to send.
6. Review the transaction summary, then confirm to complete the transfer.

Transfers to bank accounts are fast and reliable. A small processing fee may apply, but it’ll be shown clearly before you confirm.

Pro Tips to Keep in Mind

• Always double-check the recipient’s Spenda ID or bank account info before confirming.
• Want to avoid transfer fees? Encourage friends or business contacts to join Spenda. User-to-user transfers are free!
• All transactions are recorded in your activity history, so you can track your spending anytime.

Why People Love Spenda Transfers

• Instant & seamless for Spenda-to-Spenda
• Easy and secure for Nigerian bank accounts
• Clean interface and no hidden charges
• Great for personal use, businesses, side hustles & digital payments

Start Sending with Ease.

Need help? Go to the in-app support, and our team’s always ready to assist.