1. Download the SPENN mobile banking app from Google Play. You should have: Android 4.3 and 3G data speed.
  2. Open the App, and register by tapping “Sign Up”.
  3. Fill in the fields provided. For First name and Last name, please fill it according to how it appears in your valid ID.
  4. Proceed in registering your phone by going to the “Me” tab and select “Verify phone”. A verification code will be sent via SMS.
  5. Complete registration by validating your ID, which can be done by clicking «validate» on the «Me» Tab.
  1. Go to “transfer” tab.
  2. Add recipient by either:
    • Contact on your phone.
    • Entering phone number.
    • QR code.
  3. Enter the amount you want to transfer.
  4. Click the green button to continue.
  5. Enter an optional message on the transaction.
  6. Confirm transaction by swiping the green button to the right.
  1. Go to “transfer” tab.
  2. Click on the “switch” button to become the recipient of the transaction.
  3. Add recipient by either:
    • Contact on your phone.
    • Entering phone number.
    • QR code.
  4. Enter the amount you want to transfer.
  5. Click the green button to continue.
  6. Enter an optional message on the transaction.
  7. Confirm transaction by swiping the green button to the right.

It’s easy and convenient to pay in stores with SPENN.
You can easily locate stores near you who are accepting SPENN, by clicking on the “Map” tab to open up the map. In the map, you will access information about where the stores are, what category they are (clothing, restaurant, electronics etc.) and contact information.

  1. Go to “transfer” tab.
  2. Click on the shipping cart in the top right corner.
  3. Scan the QR code in the store.

As a SPENN+ user, you get access to a free point of sale solution, and have the convenience of accepting payments digitally through SPENN, for free.
You will have your own business account and can easily add items to the transaction receipts when selling goods and services.
You will also attract more customers through appearing on the SPENN map, and have full overview over your transaction history under «My money» tab.
Upgrade to SPENN+ by clicking on the “Me” button, then click the Store button at the top right corner and click on “Upgrade to SPENN+”. Follow the instructions provided and select your SPENN+ category.

Help other users to top-up and cash-out their SPENN account through you and earn money by doing so. When registering as a Power users, other users can spot you on the map and approach you when needing top-up/cash-out services far away from the I&M Bank branches.
As a power user, you can set your own transaction fee for every transaction, according to what you agree with the other user.
To become a Power user, upgrade to SPENN+ by clicking on the “Me” button, then click the Store button at the top right corner and click on “Upgrade to SPENN+”.
Follow the instructions provided and select category “SPENN Power User”.
Make sure to go through the KYC (Validate) process, in order to register as a SPENN Power user.
Please keep in mind that by registering as a SPENN Power User you expressly agree to share your contact details with other users, so that they can find you on the map built into SPENN app and reach you concerning the “top up” or “cash out”.

All top-ups and cash-out services are free at any I&M Bank branch. If you are far away from a branch, you can also approach Power users to make an exchange.
When using a Power user, you and the power user will agree on the fee the Power user will charge for the particular transaction.
Click on the “Top-up” button on the “My money” tab, choose preferred top-up method. For instance, select “Find closest exchange point” to locate the I&M Bank branches or SPENN Power users near you.
For I&M Bank branches, you can go to a SPENN teller in the bank’s opening hour.
For Powers users, you can contact them through their phone number and arrange for the exchange and agree on the fee.

All top-ups and cash-out services are free at any I&M Bank branch. If you are far away from a branch, you can also approach Power users to make an exchange. When using a Power user, you and the power user will agree on the fee the Power user will charge for the particular transaction.
Click on the “Cash-out” button on the “My money” tab, choose preferred cash-out method. For instance, select “Find closest exchange point” to locate the I&M Bank branch or SPENN Power users near you.
For I&M Bank branches, you can go to a SPENN teller in the bank’s opening hour.
For Powers users, you can contact them through their phone number and arrange for the exchange and agree on the fee.

Everyone can become a SPENN ambassador. By referring friends and family to join SPENN with your reward code, both you and the new user will be rewarded with a one-time bonus.
Your reward code can be found under the “Me” tab, then clicking “Invite your friends”. You can either share your code by simply giving the code to other people so they can enter the code manually during registration, or you can share a download link by clicking on the green sharing button. Your download link can be shared through your sharing center and the social media apps you have installed on your phone (Whatsapp, messenger, Instagram etc.).
*The ambassador rewards is limited to campaign periods.

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