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About this app

SendSpend is a revolutionary mobile payment app for consumers and small businesses who don’t have a bank account or credit card. The App is free and there are no set-up fees or monthly fees for users. Making payments and transfers is free for personal use customers.

Business users may pay a small transaction fee for receiving payments and are able to request payments from SendSpend customers either by entering the customers registered cell-phone number or by generating a QR code for the customer to scan. Small business owners without a bank account are also able to sell on-line by using SendSpend’s proprietary e-Commerce Payment Gateway and receive their funds immediately.

SendSpend abides by Google T&C’s and is, therefore, unfortunately not available for preload or sideload on new Huawei devices. For more info, visit

To use SendSpend, you will need to accept the following permissions:
• Location
• Camera
• Contacts
• Storage

The SendSpend App offers 4 payment methods to small businesses

• Instant Pay – Payment Requested using customer’s cell-phone number
• Online Payments – Request Payment using the SendSpend Online Shop Plug-In or Payment Gateway – Funds will reflect in your SendSpend App immediately.
• QR Code – Scan QR Coe for quick in-store payments
• In-Wallet Purchases – Pre-Paid Data, Electricity, Gift Cards

Consumers are also able to use their SendSpend App to send funds to a friend or family member or request money from other SendSpend Customers using the SendSpend App. Transfers are INSTANT and FREE!

• Pay In-Store on Online wherever the SendSpend Payment Logo is displayed
• Pay by Accepting a Payment Request sent to your registered cell-phone number
• Purchase Pre-Paid Gift Cards, Electricity, Date, TV from within the SendSpend App
• Send Money to friend, family member or loved one – Domestic or International
• Request Money from a friend, family member or loved one – Domestic or International

• Deposit or Withdraw Cash with an Agent
• Deposit or Withdraw Cash directly from/to your bank account
• Have your salary or wages paid into your SendSpend App
• Search and Locate SendSpend Agents easily by using the built-in Search Function.
• Compare Commission Charged, Distance and Location of Agent and select the one that best suits your needs
• Set Up an Appointment with the Agent so that they have cash available for you when you arrive
• Request and Agent to deliver the cash to you or collect cash form you if you are not able to leave your home or place of work

• Earn Rewards by Referring SendSpend to your contacts

• Security is taken very seriously:
- Photo of person you are paying or agent you are depositing/withdrawing cash from is displayed to you in your app, so you can be sure you’re dealing with the correct person
- Your PIN (Personal Identification Number) is required to authorise every transaction
- Certain High-Risk transactions will also require you to enter an OTP (One Time Password)

Registration is Quick, Easy, Takes Seconds and is done entirely using the App. No Need to Visit a store. All you need is:
• ID/Passport Number
• Cell Phone Number
• Take a Selfie
Updated on
Aug 31, 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
Personal info and Contacts
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted

What's new

Customer App v1.9.2:
Security Features Added.