Available regions
Applications or normal card activation are supported
NigeriaNG
- Evidence
- Officially supported
Card database / Mastercard / Visa / Crypto prepaid card
S
Spenda Card
Updated: Aug 18, 2026
Spenda Card is a virtual debit card offered by Nigerian crypto payment app Spenda. Users can deposit crypto assets into Spenda Wallet and, after conversion, use them for Naira or USD card spending. Three virtual cards are currently available: Naira Verve, USD Visa and USD Mastercard. They can be used for online shopping, digital subscriptions, advertising platforms and international online payments. USD cards have a maximum daily spending limit of USD 10,000, and none of the cards has a monthly maintenance fee.
Official and company information
Issuer identity and company credentials
Spenda is a crypto payment fintech platform for Nigerian and African users. It allows users to top up crypto assets, automatically convert them to Naira, transfer to Nigerian bank accounts, pay for airtime, data, electricity, and TV bills, and issue Naira or USD virtual cards for online spending and subscription payments. Spenda Africa Limited operates the app, wallet interface, and product operations; some payment, conversion, bill, and card capabilities are provided by third-party payment platforms, financial institutions, and service providers.
- Company / issuer
- Spenda / Spenda Africa
- Legal name
- Spenda Africa Limited
- Registered region
- Nigeria (NG)
- Headquarters
- Lagos, Nigeria
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Spenda is a crypto-to-fiat payment platform focused on Nigerian users, allowing receipt of crypto assets and automatic conversion into Naira balances, which can then be used for Nigerian bank transfers, utility bills, airtime, data, TV subscriptions, and virtual card spending. The card system is entirely digital virtual cards: the Naira Verve connects directly to the Spenda Naira wallet; USD Visa and USD Mastercard are for international online merchants and can be activated immediately after creation. Users can fund their wallets with crypto assets such as USDT, BTC, ETH, and BNB, then convert to the fiat balance usable by the corresponding card. Identity verification is primarily done through Nigerian BVN, valid ID documents, and real-time facial liveness detection.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
Drag or swipe anywhere in the table to view every card; labels stay fixed
S Spenda Naira Verve virtual card | S Spenda USD Visa virtual card | S Spenda USD Mastercard virtual card | |
|---|---|---|---|
| Card form | Virtual card | Virtual card | Virtual card |
| Fees | |||
| Monthly fee | Free No monthly maintenance fee. | Free No monthly maintenance fee. | Free No monthly maintenance fee. |
| Card issuance fee | 500 One-time creation fee | Free Card creation is free | Free Card creation is free |
| ATM fee | — | — | — |
| Foreign exchange fee | — | — | — |
| Top-up fee | — | — | — |
| Failed transaction fee | — | — | — |
| Rewards | |||
| Cashback | — | — | — |
| Crypto cashback | — | — | — |
| Staking rewards | — | — | — |
| Staking APR | — | — | — |
| Welcome bonus | — | — | — |
| Referral bonus | — | — | — |
| Limits | |||
| Daily spending limit | — | 10,000 USD Daily limit for USD card | 10,000 USD Daily limit for USD card |
| Monthly spending limit | — | — | — |
| ATM withdrawal limit | — | — | — |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and China applicability
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
United KingdomGBTaiwanTWUnited StatesUSSouth KoreaKRSingaporeSGJapanJPMacaoMOChinaCNAustraliaAUHong KongHKCanadaCA
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
China applicability
The source text is retained below.
Original
1、中国大陆：不可按当前标准流程申请，Spenda KYC 要求有效尼日利亚 BVN；已发行 USD Visa 或 Mastercard 可用于符合条件的国际线上商户。
2、香港：不可按当前居民身份直接申请，标准验证依赖尼日利亚 BVN；其他合资格用户已取得的 USD 卡可用于国际线上消费。
3、澳门：不可按澳门居民身份完成当前标准 KYC，因为申请体系要求尼日利亚 BVN；已发行美元虚拟卡仍可用于支持相应卡组织的线上商户。
4、台湾：不可按台湾居民身份直接申请当前 Spenda Card；标准账户验证要求尼日利亚 BVN，已合法取得 USD 卡可用于国际线上消费。
Updated: Aug 18, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
NoNot requiredAccepted documents
Driver's license / Voter card / National Identification Number / International passport
Review time / regional limits
Most automated reviews are completed within ten minutes; a few abnormal identity verifications take up to about 24 hours.
KYC provider
Smile ID
Updated
Aug 18, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported3
Not supported9
UpdatedAug 18, 2026
Wallet payments
Alipay
Not supported
Aug 18, 2026
Wallet payments
Apple Pay
Not supported
Aug 18, 2026
Cash services
ATM withdrawal
Not supported
Aug 18, 2026
AI tools
ChatGPT
Supported
Aug 18, 2026
AI tools
Claude
Not supported
Aug 18, 2026
Wallet payments
Google Pay
Not supported
Aug 18, 2026
AI tools
Midjourney
Not supported
Aug 18, 2026
In-person payments
Offline POS
Not supported
Aug 18, 2026
Online shopping
Online shopping
Supported
Aug 18, 2026
Wallet payments
PayPal
Not supported
Aug 18, 2026
Subscriptions
Subscription payment
Supported
Aug 18, 2026
Wallet payments
WeChat Pay
Not supported
Aug 18, 2026
User reviews
Showing 6 approved reviews matched to this card
Receiving money from other banks asides from Spenda
Is is possible to receive money from another bank?…
I’ve sent money to other banks but seems I can’t receive money or is it me that doesn’t know how to go about it.
View original I said goodbye to my P2P traders
Spenda has been super helpful.. I’m pleased to have going this app as someone that’s into the crypto space and buys/sells/swaps …Using SPENDa and not having to wait for a P2P personnel is just everything! And it’s so fast
I absolutely recommend.
View original My funds are still stock
★☆☆☆☆
Extremely disappointing experience. I waited 10 working days based on the support team’s promise that my issue would be resolved. After all that time, I was simply told that they cannot handle ADI on their infrastructure. This should have been communicated from the beginning instead of making me wait.
My funds are now stuck, and I still don’t have a proper solution—only excuses. Customer support has been slow, unhelpful, and unable to provide a clear resolution. I expected much better service, especially when it involves customers’ money.
I cannot recommend this app until they improve their customer support, communication, and fund handling process.
View original Easy to use
This is genuinely one of the easiest crypto app out there for quick conversion from any cryptocurrency to local currencies (like NGN). They offer good rates and less stress from other apps that uses P2P methods. This is just the best and direct app for converting and withdrawing your assets instantly.
View original Outstanding financial management app
Spenda has completely transformed the way I manage my finances. The interface is clean, user-friendly, and very easy to navigate, even for beginners. Tracking expenses, setting budgets, and monitoring transactions feels effortless and organized.
I especially love how detailed and accurate the insights are — it helps me understand exactly where my money goes and how I can improve my spending habits. The performance is smooth, secure, and reliable.
If you’re looking for a smart, efficient, and trustworthy app to manage your spending, I highly recommend Spenda. It’s truly a game-changer for personal finance!
View original The Best Crypto Spending App I’ve Ever Used!
I don’t usually leave reviews, but Spenda deserves this one. I’ve made tons of transactions, SUI, SOL, USDC, stables, non-stablesand more.
Every time, the rates were better than anywhere else I’ve checked, you can check for yourself.
Lightning-fast transactions, clean UI/UX, and super easy KYC. Even a referral system that’s actually rewarding. I’ve been stacking earnings just by inviting friends and earning from their transactions.
Everything just works without stress,
just smooth crypto-to-fiat payments that feel like magic.
If you’re in Africa and want a reliable, seamless crypto spending app
this is the one, download and thank me later.
Thank you, Spenda 🙌🏾
View original Risk factors
Updated: Aug 18, 2026
No risk factors are available