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INTEREST-FREE LOANS NOW AVAILABLE*
GRAB A SPENN LOAN ACCOUNT TODAY – INTEREST FREE FOR 14 DAYS!
*RWANDA ONLY
Services
Choose your country from the drop down list to see which services are available where you live.
SWIPE TO SEE MORE 
Get a Loan
Apply for a SPENN Loan in the app. Cost-free for 14 days!
Transfer money
Send and receive money instantly without paying any service fees.
Pay bills
Settle all your bills through the app within minutes. You can buy everything from airline tickets and airtime to electricity, and water.
Buy airtime
Instantly top-up for yourself or anyone. We are available in 135 countries, so you can top up airtime wherever you are.
SuperSaver
Earn 4% interest on your savings with no fees, no minimum amount, and unlimited withdrawals.
Top Up & Cash Out
Top up and cash out with SPENN Agents and bank branches.
Pay in-store
Use our intuitive map feature to identify the growing number of shops around you accepting SPENN.
Transfer money
Send and receive money instantly without paying any service fees.
Pay bills
Settle all your bills through the app within minutes. You can buy everything from airline tickets and airtime to electricity, and water.
Buy airtime
Instantly top-up for yourself or anyone. We are available in 135 countries, so you can top up airtime wherever you are.
SuperSaver
Save money with no fees, no minimum amount, and unlimited withdrawals.
Top Up & Cash Out
Top up and cash out with SPENN Agents and bank branches.
Pay in-store
Use our intuitive map feature to identify the growing number of shops around you accepting SPENN.
Transfer money
Send and receive money instantly without paying any service fees.
Pay bills
Settle all your bills through the app within minutes. You can buy everything from airline tickets and airtime to electricity, and water.
Buy airtime
Instantly top-up for yourself or anyone. We are available in 135 countries, so you can top up airtime wherever you are.
Saver+
Earn 3% annual interest on your savings monthly and stand a chance to WIN exciting prizes at zero cost.
Top Up & Cash Out
Top up and cash out with SPENN Agents and bank branches.
Pay in-store
Use our intuitive map feature to identify the growing number of shops around you accepting SPENN.
How to
USSD
Visit any SPENN Agent with your ID and register into Spenn, once your account is validated you can access your SPENN account using a feature phone.
If your application is approved you will be sent an SMS with the login information.
If your application is not approved, you will receive an SMS to inform you and you can contact SPENN Customer Service for further assistance.
Any SPENN user can access USSD by dialling the respective country’s USSD code.
Tanzania *148*22#
Rwanda *580#
Zambia *220#
Step 1: Dial the respective country’s SPENN USSD code:
Tanzania: *148*22#
Rwanda: *580#
Zambia: *220#
Step 2: Choose ‘Transfer’
️Step 3: Enter the phone number of the person you would like to transfer money to
️Step 4: Enter the amount to transfer
Step 5: Enter your PIN and confirm. You will receive SMS confirmation of the transaction
Step 1: Dial the respective country’s SPENN USSD code:
Tanzania: *148*22#
Rwanda: *580#
Zambia: *220#
Step 2: Choose ‘Buy Airtime’
️Step 3: Enter the amount you would like to purchase
Step 4: Enter your PIN and confirm. You will receive SMS confirmation from the airtime provider
Step 1: Dial the respective country’s SPENN USSD code:
Tanzania: *148*22#
Rwanda: *580#
Zambia: *220#
Step 2: Choose ‘Pay Bills’
️Step 3: Choose the bill you would like to pay. You may have to enter the meter number
Step 4: Enter the amount to pay
Step 5: Enter your PIN and confirm. You will receive an SMS with the receipt
Step 1: Dial the respective country’s SPENN USSD code:
Tanzania: *148*22#
Rwanda: *580#
Zambia: *220#
Step 2: Choose ‘Deposit’
️Step 3: Choose how you would like to deposit
Step 4: Instructions to deposit will appear on screen
Step 1: Dial the respective country’s SPENN USSD code:
Tanzania: *148*22#
Rwanda: *580#
Zambia: *220#
Step 2: Choose ‘Withdraw’
️Step 3: Choose how you would like to withdraw
Step 4: Instructions to withdraw will appear on screen
Step 5: Enter your PIN to confirm the transaction
SMARTPHONE
1. Go to “transfer” tab
2. Add recipient by either:
– Contact on your phone
– Entering phone number
– QR code
6. Enter the amount you want to transfer
7. Click the green button to continue
8. Enter an optional message on the transaction
9. Confirm transaction by swiping the green button
1. Go to “transfer” tab
2. Click on the “switch” button to become the recipient of the transaction
3. Add recipient by either:
– Contact on your phone
– Entering phone number.
– QR code
4. Enter the amount you want to request
5. Click the green button to continue
6. Enter an optional message on the transaction
7. Confirm transaction by swiping the green button to the right
1. Click on the shopping tab in top right corner
2. Click on “Airtime top-up” (2nd button)
3. Your number is pre-selected. If you want to buy for another number you can select from your contact list OR add the phone number manually
4. Click “Buy for this number”
5. Select the preferred airtime package
6. Click the green checkmark button, and swipe to pay
7. Shortly after payment, the recipient (the phone number you bought load for) will receive a confirmation SMS
1. Click on ‘My Money’
2. Click ‘Free SuperSaver account’ to set up a savings account
3. Set a savings goal and type in the amount you want to add to your SuperSaver from available balance
4. Swipe to confirm the transfer
Click on the “Top-up” button on the “My money” page, choose preferred top-up method. For instance, select “Find closest exchange point” to locate the closest SPENN Power users to you.
Click on the “Cash-out” button on the “My money” page, choose preferred cash-out method. For instance, select “Find closest exchange point” to locate the closest SPENN Power users to you.
1. Open the App, and register by tapping “I am new to SPENN”
2. Fill in the fields provided. For First name and Last name, please fill it according to how it appears in your valid ID
3. Proceed in registering your phone by going to the “Me” tab and select “Verify phone”. A verification code will be sent via SMS
4. When you have successfully verified your phone w/ the verification code sent via SMS, click on “Me” at the lower right of the app and then click on “Validate”
5. You will be asked to submit screenshot copies of documents to validate your identity. Proceed in creating your account
1. Click on the shopping tab (in the Transfer view). Top right corner
2. Click on “Bills Payment”
3. You will be given different bill providers to choose from
4. Select among the options and proceed with you bills payment
5. You will receive an SMS receipt notification
1. Click on the QR button to scan QR code or
2. Go to “transfer” tab
3. Click on the shopping cart in the top right corner
4. Scan the QR code in the store
SMARTPHONE
1. Go to “transfer” tab
2. Add recipient by either:
– Contact on your phone
– Entering phone number
– QR code
6. Enter the amount you want to transfer
7. Click the green button to continue
8. Enter an optional message on the transaction
9. Confirm transaction by swiping the green button
1. Go to “transfer” tab
2. Click on the “switch” button to become the recipient of the transaction
3. Add recipient by either:
– Contact on your phone
– Entering phone number.
– QR code
4. Enter the amount you want to request
5. Click the green button to continue
6. Enter an optional message on the transaction
7. Confirm transaction by swiping the green button to the right
1. Click on the shopping tab in top right corner
2. Click on “Airtime top-up” (2nd button)
3. Your number is pre-selected. If you want to buy for another number you can select from your contact list OR add the phone number manually
4. Click “Buy for this number”
5. Select the preferred airtime package
6. Click the green checkmark button, and swipe to pay
7. Shortly after payment, the recipient (the phone number you bought load for) will receive a confirmation SMS
1. Click on ‘My Money’
2. Click ‘Free SuperSaver account’ to set up a savings account
3. Set a savings goal and type in the amount you want to add to your SuperSaver from available balance
4. Swipe to confirm the transfer
Click on the “Top-up” button on the “My money” page, choose preferred top-up method. For instance, select “Find closest exchange point” to locate the closest SPENN Power users to you.
Click on the “Cash-out” button on the “My money” page, choose preferred cash-out method. For instance, select “Find closest exchange point” to locate the closest SPENN Power users to you.
1. Open the App, and register by tapping “I am new to SPENN”
2. Fill in the fields provided. For First name and Last name, please fill it according to how it appears in your valid ID
3. Proceed in registering your phone by going to the “Me” tab and select “Verify phone”. A verification code will be sent via SMS
4. When you have successfully verified your phone w/ the verification code sent via SMS, click on “Me” at the lower right of the app and then click on “Validate”
5. You will be asked to submit screenshot copies of documents to validate your identity. Proceed in creating your account
1. Click on the shopping tab (in the Transfer view). Top right corner
2. Click on “Bills Payment”
3. You will be given different bill providers to choose from
4. Select among the options and proceed with you bills payment
5. You will receive an SMS receipt notification
1. Click on the QR button to scan QR code or
2. Go to “transfer” tab
3. Click on the shopping cart in the top right corner
4. Scan the QR code in the store
