SPOKO – smart money transfers

12.4K reviews
Content rating
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About this app

Send more, spend less. You can always rely on our money-saving exchange rates. You’ll find Spoko cheaper than sending money abroad with traditional banks and other financial services.

💸 Send money as you wish from 25 European countries and the UK in: EUR (Euro), GBP (British Pound), PLN (Polish Złoty) or SEK (Swedish Krona)
• You can choose how to send & receive transfers:
— Visa, Mastercard or Maestro debit and credit cards;
— Sofort/Klarna;
— Bank transfer;
— Blik (for Polish Złoty);
— Apple Pay, Google Pay.
• Receive money instantly on a bank account, debit card, e-wallet, mobile money or pickup cash from one of our 50 000+ agent locations around the world.

💰 We always offer an excellent exchange rate, without hidden fees!

Send money to 50+ countries including:
Nigeria 🇳🇬, India 🇮🇳, Philippines 🇵🇭, Ghana 🇬🇭, Ukraine 🇺🇦, Turkey 🇹🇷, Georgia 🇬🇪, Moldova 🇲🇩, Senegal 🇸🇳, Morocco 🇲🇦, Cameroon🇨🇲, Azerbaijan 🇦🇿, Uzbekistan 🇺🇿, Armenia 🇦🇲 and many other countries around the world.

Nigeria 🇳🇬
• Send money to Nigeria in EUR, GBP, PLN or SEC currencies;
Recipients can get their money in NGN and USD currencies at the best possible exchange rate and WITHOUT FEES!;
Send to 20+ trusted banks in Naira currency: Zenith Bank, Access Bank. Diamond Bank, Ecobank, Fidelity Bank, FCMB, First Bank, Guaranty Trust Bank, Heritage Bank, Keystone Bank, Enterprise Bank, Providus Bank, Standard Charted Bank, Polaris Bank, Sterling Bank, UBA, Unity Bank, Union Bank, WEMA, etc;
• Speak to our Nigerian Customer Support which will understand you and help with any issue;
• Send money with every debit or credit Visa, Mastercard, Maestro, bank account, Klarna/Sofort or Google/Apple Pay.

Ghana 🇬🇭
• Send money in EUR, GBP or PLN currencies;
• Recipients can get their money in GHS at the best possible exchange rate;
• Send to any Mobile Money wallet: MTN, Vodafone, AirtelTigo;
• Speak to our Legendary Customer Support which will understand you and help with any issue;
• Send money with every debit or credit Visa, Mastercard, Maestro, bank account or Klarna/Sofort.

🔐 Security and Privacy you can trust.
• Spoko mobile app is 100% secure and encrypted;
• Any sensitive information you share with us is hidden from prying eyes;
• We encrypt all transfers and protect you against fraud using bank-level security procedures;
• Your personal data is protected in accordance with the EU General Data Protection Regulation (GDPR);
• Protect your profile with a two-factor authentication, face recognition or fingerprint recognition.

Our services are fully regulated, so your hard-earned money is safe, secure and transmitted easily.

🔝 Award Winning App which will satisfy all you needs:
• Add and save multiple cards in different currencies;
• Free account and no monthly fees;
• Save your recipients and repeat transactions in a few clicks;
• Real-time tracking and clear transfer limits;
• Earn 20€ for every friend you invite.

💌 Legendary Customer Support
Any help is needed ? Our multilingual team of experts is always here to answer your questions. You can use live chat in our app, e-mail support@spoko.app or call us +48 791 391 219
Customer Support working hours are from 8:00 to 00:00 (CET)

We love our customers and believe that modern money transfers should be stress-free, smart and accessible.

📲 Make your life easier with only one click - download the Spoko app and join 700.000 happy customers right now
Updated on
Sep 1, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Photos and videos, Files and docs, and App info and performance
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

12.2K reviews
Станислав Петечкин
August 24, 2023
Now they need too much personal info. I delete now this app! What is my job and what is my sallery is nessesery info? Layers, it's just collecting commercial info to selling to other sources.
Did you find this helpful?
August 23, 2023
The request for information is necessary for transfers and the provision of new service functions. All data is provided for internal storage in your profile and also all information is protected by the terms of the confidential policy, which means that the service uses the data exclusively for transfers by the new partner of the payment system.
Ivan Falchuk
January 7, 2021
From advertisement I found out that I wouldn't pay any fee for an international transfer, but when I downloaded this app and tried to send some money, I got 10 PLN fee and the exchange rate was terrible. As I understand, I won't pay any fee if it's the cash transfer, but I won't use this app anymore because of the inconsistent information in the advertisement.
7 people found this review helpful
Did you find this helpful?
January 7, 2021
Hi, We would like to chat with you with regards to your experience with us. Can you provide us your customer ID at support@spoko.app so that we can reach out?
Paul Taiwo
January 25, 2021
Got payment error and yet I was debited on my credit card. The app's UX is not so good. For example I am suppose to see the recipients account name after verifying the account number, it will give me the assurance that I'm sending it to the right person. But it is not like that in this case.
12 people found this review helpful
Did you find this helpful?
January 25, 2021
Hi, can you please send us your account details along with the phone number on which you registered your account to support@spoko.app so that we can help you. Thank you for using our app.

What's new

With this update, sending transfers will be even easier!