Available regions
Applications or normal card activation are supported
NigeriaNG
- Evidence
- Officially supported
Card database / Mastercard / Visa / Crypto prepaid card
S
Spenda Card
Updated: Sep 29, 2026
Spenda Virtual Card is a virtual debit card within the Spenda Africa crypto payment account system, designed primarily for users in Africa, especially Nigeria, who want to convert crypto assets into funds for everyday payments. After users deposit supported crypto assets, the platform automatically converts them into naira. Users can also fund the card from their naira account balance or with crypto assets, creating a separate virtual card balance for payments.
- Card network
- Product type
- Crypto prepaid card
- Card form
- Virtual card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 60-69
- Supported assets
USDT
BTC
ETH
BNB- Last updated
- Sep 29, 2026
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’s core product model follows an integrated “crypto deposit — automatic fiat conversion — local account and card spending” flow, rather than holding crypto assets in a wallet over the long term and spending them directly on-chain. After users deposit supported crypto assets, the funds are automatically converted and credited to Spenda’s naira account system, where they can be used for functions such as bank transfers and bill payments. When card spending is needed, users can fund a virtual card either from the naira wallet or with crypto assets. The platform currently offers a naira virtual card focused on local payments and a USD virtual card for U.S. dollar-denominated payment scenarios, both of which are created and managed within the Spenda App. Its account and service design is clearly centered on the crypto-to-fiat conversion and everyday payment needs of users in Nigeria and across Africa.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when 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 Card | S Spenda USD Visa Card | S Spenda USD MasterCard | |
|---|---|---|---|
| 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 language support
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
Availability in English-Speaking Markets
1. United States：Cannot apply，Can use，Spenda’s card onboarding relies on Nigerian identity verification using a BVN, so U.S. residents do not have a general application route, while eligible Spenda USD cards issued through the Nigerian program support international online payments in the United States.
2. United Kingdom：Cannot apply，Can use，UK residents are not covered by Spenda’s Nigeria-based BVN verification route, but eligible USD cards issued through the supported program can be used for international online payments in the UK.
3. Canada：Cannot apply，Can use，Spenda requires Nigerian BVN-based identity verification for full card access, so Canadian residents do not have a standard application route, while eligible issued USD cards can be used for online payments in Canada.
4. Australia：Cannot apply，Can use，Australian residents are outside Spenda’s Nigeria-focused onboarding model because card access depends on Nigerian identity verification, but eligible USD cards issued through the program can be used for international online purchases in Australia.
5. South Africa：Cannot apply，Can use，The Spenda Africa card program uses Nigerian BVN-based verification and does not provide a standard South African resident application route, while eligible issued USD cards can be used for international online payments there.
6. New Zealand：Cannot apply，Can use，New Zealand residents do not have a general Spenda Card application route because full verification relies on a Nigerian BVN, but eligible USD cards issued to supported users can be used for online payments in New Zealand.
7. Ireland：Cannot apply，Can use，Irish residents are outside Spenda’s Nigeria-based card onboarding route, which requires Nigerian identity verification, while eligible issued USD cards can still be used for international online payments in Ireland.
Updated: Sep 13, 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
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
User reviews
Showing 10 approved reviews matched to this card
Great Experience
Spenda has been a smooth and convenient experience . The app is easy to use, transactions are straightforward, and the overall interface feels simple and user-friendly. Overall, I’m really impressed and would definitely recommend it to anyone looking for a reliable and convenient way to manage their crypto and payments.
View original Grate Platform🎉🎉
Spenda has been the best cryptocurrency exchange between Naira and other currencies for me so far, especially with their recent updates. The fact that you can deposit crypto from your bank account and other crypto wallet without any charges, then send to any bank account for only ₦20 is totally amazing. Looking at the $1 fixed fee charged for any amount of crypto you want to send feels fair to me — after all, you can’t run a company without making some profit, right? 🤷♀️
View original 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 Privacy
Please can u make an update so our transactional history amount will not also be shown too as well . Some of us really love privacy
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 Thieves
I have mistakenly sent funds multiple times on an unsupported chain base usdc and polygon based on too many daily transactions I perform on the app, I keep reaching out to support but they refused to help retrieve the funds at any time to all my funds are gone because of wrong chain, they are theives because this mistake will keep happening one day or the other, they are not offering help no matter the amount.
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 Hi Spenda, I think you’re SWAGGY!!!!!
Wonderful app. I’d say everyone should use it and I’ll do my best to spread out the good word. Still, I’d advise that if you’re new to crypto you take the hand of someone more experienced. Great app either way.
View original Risk factors
Updated: Aug 18, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does Spenda Card require KYC?
Our record lists the Spenda Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does Spenda Card support Apple Pay and Google Pay?
Apple Pay: Not supported. Google Pay: Not supported.
Which assets can I top up Spenda Card with?
Our record lists Spenda Card support for: USDT, BTC, ETH, and BNB.
Is Spenda Card a virtual or a physical card?
Spenda Card is offered as: Virtual card.
Where is Spenda Card available?
Our record lists 1 countries or regions as available and 11 as restricted. Country-by-country status is in the regions section of this page.
Who issues Spenda Card?
Spenda Card is operated by Spenda / Spenda Africa on the Mastercard / Visa network.