The only mobile money app that is 100% free

SPENN is a mobile banking app that allows you to deposit, spend, and save money cost-free. Pay bills and buy airtime without any fees. No bank account required, and joining is absolutely FREE. Sign up today!

4.5 stars Google Play

4.4, 5612 Ratings

Download on the App Store
4.5 stars Google Play

4.3, 51 Ratings

The New Times Rwanda

Join more than 800,000 users who love SPENN

Here are some of the latest app store reviews by our users

“This app is the best, since the day I started using it, there were no problems. I feel everyone should try it out, because it is easy and fast when it comes to money transactions paying bills even purchasing goods or services.”

Edward Phiri

“This app is super perfect 😍💕”

Obrey Tembo

The best mobile money transactor so far👌👌👌 very easy to use and security guaranteed.

Haggai Lungu

“Awesome! Best money transaction App i have come across so far. I can pay bills, send money, and transact with no fee attached.”

Morris Namiindi

100% free transactions, no hidden costs

Send and receive money instantly without paying any service fees.

Free Transfers
Top up air time

The easiest way to buy airtime, globally

Instantly top-up for yourself or anyone. We are available in 135 countries, so you can top up airtime wherever you are.

The easiest way to buy airtime, globally

Instantly top-up for yourself or anyone. We are available in 135 countries, so you can top up airtime wherever you are.

Top up air time

Enjoy free bills payment

Settle all your bills through the app within minutes.  You can buy everything from airline tickets and airtime to electricity, water and pay hundreds of bills.

Bills Payment
Bills Payment

Shopping made convenient

Use our intuitive map feature to identify the growing number of shops around you accepting SPENN.

Shopping made convenient

Use our intuitive map feature to identify the growing number of shops around you accepting SPENN.

Bills Payment

Trusted and accessible bank partners

We work with trusted local banks to give you the best service possible. All our Users’ funds are always kept by our partner banks and have full guarantee of safety as per standard bank and national regulations.
Locate an agent or bank branch with our map to make an instant deposit or withdrawal.

Bills Payment
I&M logo

Safe and secure

To ensure the speed and safety of your transactions, we deploy blockchain technology. Using the principles of cryptography and other cutting-edge science, we provide bank-level security to all our users.

Safe and secure

To ensure the speed and safety of your transactions, we deploy blockchain technology. Using the principles of cryptography and other cutting-edge science, we provide bank-level security to all our users.

No bank required

no bank account required

Anyone can use SPENN. Simply download, get verified and begin!

save faster with 4% interest

Earn 4% interest on your savings with no fees, no minimum amount and unlimited withdrawals. (Rwanda only)

we accept masterpass

Use SPENN hasslefree at more than 20,000 locations and growing. (Tanzania only)

Sharing

Sharing made easy

You can share transactions using SMS, Whatsapp and many other messaging platforms.

Get on top of finances

Every transaction made is securely stored as a digital receipt, so you have full visibility.

COMING SOON: Free loans

You can be eligible for a loan, absolutely free for 14 days. Connect with us on social media for updates.

Download today

Download on the App Store