SPOKO – smart money transfers

4.3
12.5K reviews
100K+
Downloads
Content rating
Everyone
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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;
 • Send in USD currency to: UBA, ZENITH BANK, ACCESS BANK, FIDELITY BANK, WEMA BANK, FCMB, FIRST BANK;
• 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 a bank account: ACCESS BANK, SHELL NETWORK, ADB, ZENITH BANK, REPUBLIC BANK, ECOBANK, FIRST ATLANTIC, CBG, etc;
• 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
Jun 16, 2022

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 2 others
Data is encrypted in transit
You can request that data be deleted
4.3
12.5K reviews
Kate Idiaghe Clausen
June 24, 2022
This app has the worse customer service ever! For two days been trying to get them to fix my app because i can't access it anymore. They are unable to help me still. Pushing me from one provider to the other. I wouldn't recommend this app to anyone. Though they have fair enough rates, but trust me when i say if a problem arise, you are on your own.
1 person found this review helpful
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Spoko.app
June 24, 2022
Oh no! We sincerely apologize for the troubles you've had with the app. We'd be happy to take a look into this for you, please contact us at support@spoko.app. Thank you.
Emmanuel Appau
June 12, 2022
Terrible app, my account was blocked while awaiting verification process, I contacted the customer service and they say there is nothing they can do about it. So now I don't know if they will be deleting the information I provided or will just be keeping it in their data base.
4 people found this review helpful
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Spoko.app
June 12, 2022
Hi, we'd be happy to see what happened with your account. Please contact us at support@spoko.app.
blessed God
April 23, 2022
This app is the best to send money to Nigerian, they are the only app who send Naira to Nigerian! I have used other app in the past but I can clearly say that spoko is the best, and also sending money to Nigerian is free without any changes. Wow, the delivery of the money is very very fast. Thanks you spoko, I will rate this app more than 5 🌟
8 people found this review helpful
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Spoko.app
April 24, 2022
Hi, thank you very much for your feedback.

What's new

With this update, sending transfers will be even easier!