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Pay airtime, data, electricity, and TV subscriptions in one place
A mobile payments app for individuals, businesses, and developers in Ghana and Nigeria to send money, accept QR payments, pay bills, and use virtual Visa cards.
Speso Product Overview
Is Speso Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Everyday transfers
- Bill payers
What It Does Well
- Send money
- Bill payments
Things to Check
- Virtual card limits
- Supported billers
About Speso
Speso is a mobile payments app for individuals, businesses, and developers who need everyday money transfers, merchant payments, and additional financial services in Ghana and Nigeria.
Key capabilities include:
- Send money to friends and family quickly, including transfers to people who use different banks, with a messaging-style experience
- Accept and make QR code payments for in-person business transactions
- Virtual Visa cards for global online shopping (including services like Apple, Amazon, and Netflix)
- Bill payments and airtime top-ups, plus options such as split payments with friends and bank transfers to local banks in Nigeria
Available on Android and iOS.
Target users include consumers managing personal transfers and bills, businesses collecting payments via QR codes, and developers building on Speso’s mobile or business platform.
Notable in the African market for combining payments and social features (chat, calls, stories, add contacts by tag or scan) with KYC and compliance processes, including identity checks such as Ghana Card verification. The service operates through partnerships with licensed transmitters in relevant jurisdictions.
Speso Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
What it does
African alternative to
As of Oct 12, 2026, Speso is rated 5.0 on the App Store from 3 reviews and 5.0 on Google Play from 9 reviews with 500+ installs.
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Frequently Asked Questions About Speso
Speso is a fintech “super app” that lets users send and receive money, pay bills, and access other financial and business services through one platform. It works by linking your mobile money wallet or bank account to the app so you can transfer funds, pay merchants, buy airtime/data, and also use features like a Speso ID instead of phone numbers for sending money.
Speso charges users transaction/service fees that may vary depending on the type of transfer or service used.
Speso currently operates mainly in Ghana and Nigeria.
You can sign up for Speso by creating an account on the app or website and completing KYC verification using your details such as Ghana Card (or other government ID), name, and selfie.
Yes, Speso is available on iOS and Android.
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