Transact anytime, anywhere with no charges.

The secure mobile money app that allows anyone to save, spend and transact with zero charges. Sign up today, no bank account required.

Join more than 1 million+ people with a SPENN Mobile money account available on USSD and Smartphone.

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Our customers love us.

Here’s what they are saying:

Send. Save. Pay.
All fee-free.

Use SPENN to enjoy cost-free transactions, on feature and smartphones.

Cost-free spending

  • No transaction or service fees when you send and receive money
  • Send and receive money to anyone
  • Scan QR codes to pay in 1,000 
 locations for free
  • Top up and cash out with SPENN Agents and at Access bank branches

Free savings account

  • No fees or minimum balance required. Save as much or as little as you wish
  • Earn 3% annual interest on your savings every month
  • Get rewarded for saving with monthly and quarterly prize draws

Pay bills and airtime

  • Pay electricity, TV subscriptions, water bills with no fees
  • Instantly top-up for yourself or anyone. We are available in 135 countries, so you can top up airtime wherever you are

It’s rewarding to save.

The new savings account that gives back. Our Saver+ account offers monthly and quarterly prizes to reward you for saving.

The monthly draws take place at the end of every month.
Quarterly draws are at the end of every three months. Be in it to win it!

Saver 3

How to join SPENN.

Mobile banking built for you. SPENN is loved by over 1,000,000 users, join the growing mobile money revolution, designed and built to save you time and money.


Visit any SPENN Agent with your ID and register with SPENN. Once your account is validated you can access your SPENN account using a feature phone. You will receive an SMS to login.


Download and open our app, and register by tapping “I am new to SPENN”. Follow instructions on screen. Validate your account and you’ll be using SPENN in no time!

7,000+ locations to cash in and out.

Top up and cash out with SPENN Agents, Access bank branches or at any Kazang machine.

Build your
financial future.

Saving 3% interest may seem small, but it adds up over time. We know saving is hard, thats why we offer prize draws to help you stay in the game.

Stand a chance to win at our monthly or quarterly prize draws to help build your savings.

Your business deserves a cost effective solution?
Join SPENN Business, today.