Breet — Crypto & Stablecoins Payment API for African Businesses 
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Convert crypto to Nigerian naira with fast bank payouts
Spenda
A mobile crypto spending app for Nigerians that converts crypto to Naira in real time, enables instant bank transfers, bill payments, and virtual Naira/USD cards for online spending.
Spenda Product Overview
Is Spenda Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian crypto holders
- Everyday bill payers
What It Does Well
- Real-time crypto to Naira
- Instant bank transfers
Things to Check
- Supported coins and stablecoins
- Bank transfer limits
About Spenda
Spenda is a mobile crypto spending app for Nigerians who want to convert cryptocurrency to Naira in real time for transfers, bill payments, and online card spending.
Key capabilities include:
- Automated crypto to Naira conversion after deposits, designed to reduce manual swaps and extra steps when off-ramping
- Instant bank transfers to Nigerian bank accounts, with transfers designed to arrive in seconds
- Bill payments from the app for airtime, data, electricity, and TV subscriptions including DSTV and GOtv
- Virtual Naira/USD cards created and activated in-app, with zero monthly maintenance fees, and accepted by 30,000+ online merchants (Naira card linked to the account)
Available on Android and iOS.
It targets individual users in Nigeria, including crypto holders, freelancers paid in crypto (for example USDT), and people who need to pay Nigerian bills or send funds to local bank accounts.
Spenda is notable for its Nigeria-focused spending and off-ramp flows, combining crypto deposits, automated Naira conversion, local transfers, and everyday bill payment options in one app. Support is available via support@spenda.africa.
Spenda Facts
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Official Links
As of Oct 12, 2026, Spenda is rated 4.6 on the App Store from 1.7K reviews and 4.7 on Google Play from 8K reviews with 100K+ installs.
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Spenda Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source dataFrequently Asked Questions About Spenda
Spenda is a mobile app that lets you deposit cryptocurrency, automatically converts it to Naira, and use the funds for instant bank transfers, bill payments (airtime, data, electricity, TV), and virtual card spending at 30,000+ merchants.
Spenda does not publicly list its pricing. Sign up in the app for current fee details on conversions and transfers.
Spenda currently operates in Nigeria only.
Download the Spenda app from the App Store (iOS) or Google Play (Android), then complete the in-app registration and KYC process.
Yes, Spenda is available on iOS and Android. You can download Spenda on the App Store for iPhone, or get it on Google Play for Android.
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