> For the complete documentation index, see [llms.txt](https://docs.spendl.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.spendl.money/spendl-features/overview/spendl-wallet.md).

# Spendl Wallet

Your Spendl Wallet is where your available funds sit inside the Spendl App.

It is the main account layer that connects your money to the rest of the Spendl platform.

From your wallet, you can add funds, move money between Spendl users, send funds to external bank accounts, load your Spendl Card, and use your balance for supported spending features.

### What You Can Do With Your Spendl Wallet

| Feature                        | What It Does                                                            |
| ------------------------------ | ----------------------------------------------------------------------- |
| Add funds                      | Add money to your Spendl Wallet using supported top up methods          |
| Send to Spendl users           | Transfer money instantly and for free to another Spendl user            |
| Request money                  | Request funds from another Spendl user                                  |
| Send to external bank accounts | Move money from your Spendl Wallet to a supported external bank account |
| Load your Spendl Card          | Move funds from your Spendl Wallet onto your card balance               |
| Spend internationally          | Use your loaded card balance for supported international purchases      |
| View transactions              | Track wallet activity, payments, top ups, and transfers                 |

### Add Funds to Your Spendl Wallet

You can add funds to your Spendl Wallet using the available deposit options inside the app.

Current funding routes may include:

* Instant Top Up
* Manual EFT
* Card payment
* Capitec EFT
* EFT
* Zapper
* Scan to Pay
* Scan QR Code
* Pick n Pay
* Capitec Pay Bills

Availability may depend on your selected payment method, account setup, and supported payment routes at the time of use.

### How It Works

1. Add funds to your Spendl Wallet
2. Choose what you want to do inside the app
3. Send to another Spendl user, send to a bank account, request funds, or load your card
4. Use your balance for supported local or international spending

### Spendl Wallet by Plan

| Feature                                | Smart | Savvy | Guru |
| -------------------------------------- | ----- | ----- | ---- |
| Spendl Wallet                          | Yes   | Yes   | Yes  |
| Add funds to wallet                    | Yes   | Yes   | Yes  |
| Instant transfers between Spendl users | Yes   | Yes   | Yes  |
| Request money from Spendl users        | Yes   | Yes   | Yes  |
| External bank account transfers        | Yes   | Yes   | Yes  |
| Load card from Spendl Wallet           | Yes   | Yes   | Yes  |
| International spending                 | Yes   | Yes   | Yes  |
| Transaction history                    | Yes   | Yes   | Yes  |