---
title: "Spendin: Money Transfer App in Africa"
description: "Hold and swap NGN, ZAR, KES, USD, EUR, GBP and CAD at live rates, send cross-border payments, and spend with virtual cards in 80+ countries."
canonical_url: "https://liners.com/spendin"
markdown_url: "https://liners.com/spendin.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/spendin/screenshot.webp?v=1779555604959"
published_at: "2026-05-23T17:01:42.237Z"
updated_at: "2026-10-06T10:42:06.423Z"
---

# Spendin: Money Transfer App in Africa

Hold and swap NGN, ZAR, KES, USD, EUR, GBP and CAD at live rates, send cross-border payments, and spend with virtual cards in 80+ countries.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Spendin](/spendin)

## Summary

Hold, swap, and send money across borders in one app

A multi-currency finance app for individuals to manage NGN, ZAR, KES and more, swap at live rates, send money internationally, and pay with virtual cards in 80+ countries.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.spendin.co/ |
| Tagline | Hold, swap, and send money across borders in one app |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Spendin is a multi-currency finance app for individuals who need to hold, swap, and send money across borders, with virtual cards for everyday online payments.

Key capabilities include:
- **Multi-currency wallet** to manage **NGN, ZAR, KES, USD, EUR, GBP, and CAD** in one place.
- **Currency swap** using **live market rates**, letting users convert between supported currencies within the wallet.
- **International transfers and cross-border payments** to send and receive money across countries, including routes mentioned for **Nigeria, South Africa, and Kenya**.
- **Virtual cards** for **online subscriptions, travel bookings, and everyday payments**, plus **Tap and Pay**, spending controls, and transaction tracking.

Available on **Web**, **Android**, and **iOS**.

It targets **consumers** in Africa and other supported markets who want a single app for multi-currency balances, currency conversion, and international spending.

In the African cross-border payments context, it is positioned for users who frequently move money between African markets and major global currencies, and the website states availability in **80+ countries**, alongside published usage figures (20K+ App Store downloads and 25K+ active users).

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Stablecoins](/tags/stablecoins): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Benin](/countries/benin): Market
- [Cameroon](/countries/cameroon): Market
- [Côte d'Ivoire](/countries/cote-divoire): Market
- [Kenya](/countries/kenya): Market
- [Nigeria](/countries/nigeria): Market
- [Senegal](/countries/senegal): Market
- [South Africa](/countries/south-africa): Market

## Related pages

- [Alternatives](/spendin/alternatives)
- [Reviews](/spendin/reviews)
- [Transparency](/spendin/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/spendin)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)