> 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-for-individuals/spendl-money-app/spendl-app-overview.md). # Spendl App Overview ## Understanding how Spendl works for individuals Spendl gives individuals a simple way to manage, move, fund, convert, and spend money from one platform. Your Spendl account is built to bring everyday money movement into one place. You can fund your account, send money to other Spendl users, send funds to external bank accounts, load your card from your Spendl Wallet, and spend locally or internationally. Crypto is also supported as one of the ways to fund your account. This means users can deposit supported digital assets, convert them to South African Rand, and use the funds through the Spendl platform. {% hint style="success" %} Spendl is built to make moving and using money simpler. {% endhint %} ## What is new Spendl now supports more ways for individuals to move and use money. | Feature | What it means for you | | ------------------------ | ---------------------------------------------------------------------------- | | Instant Spendl transfers | Send money to another Spendl user instantly and for free. | | External bank transfers | Send funds from Spendl to external bank accounts. | | Wallet to card loading | Load your card directly from your Spendl Wallet. | | International spending | Use your loaded card balance for supported international payments. | | Personal Banking tier | Foreign nationals and non RSA users can now apply for the Smart Tier option. | ## Your Spendl account Your Spendl account is the main account you use inside the platform. From your account, you can view balances, manage your wallet, track activity, move funds, and access the features available to your profile and verification tier. ### What you can do | Action | Description | | --------------------- | --------------------------------------------------------------------- | | View balances | See your available balances inside the dashboard. | | Track activity | Review incoming and outgoing account activity. | | Move funds | Send money, load your card, or move funds between supported features. | | Access wallet options | Manage supported wallet funding and account actions. | | Use the dashboard | Control your Spendl experience from one place. | {% hint style="info" %} Think of your Spendl account as the starting point. The card, wallet, transfers, funding, and future products all connect back to your account. {% endhint %} ## Funding your Spendl account Spendl allows users to fund their account using supported funding methods. One of these methods is crypto funding. Users can send supported cryptocurrencies from external wallets or exchanges into their Spendl account. ### Supported digital assets | Asset | Supported | | ----- | --------- | | BTC | Yes | | ETH | Yes | | USDT | Yes | | USDC | Yes | | SOL | Yes | | AVAX | Yes | | BNB | Yes | | LINK | Yes | | TRX | Yes | | XRP | Yes | | DOGE | Yes | | SHIB | Yes | ### What you can do | Action | Description | | ------------------ | -------------------------------------------------- | | Fund your account | Use supported crypto assets as one funding method. | | Send from a wallet | Deposit from an external wallet or exchange. | | Fund your wallet | Send funds local exchanges | | Track deposits | View incoming deposits inside your dashboard. | | Monitor balances | Track confirmations and balances in real time. | ## Crypto to fiat conversion Once your account has been funded with supported crypto, you can convert those funds into South African Rand inside the app. Spendl shows the conversion rate and fees before you confirm, so you can see what you are receiving before the conversion takes place. The purpose of this feature is to make digital asset funding more practical by turning supported crypto into usable Rand inside your Spendl account. ### What you can do | Action | Description | | ---------------- | ------------------------------------------------------ | | Convert to ZAR | Convert supported crypto into South African Rand. | | View rates | See the conversion rate before confirming. | | Review fees | See fees before you continue. | | Access funds | Use converted funds inside your Spendl account. | | Use your balance | Apply converted balances to supported Spendl features. | ## Sending money to Spendl users Spendl users can send money to each other instantly and for free. This is useful for quick payments, splitting costs, sending funds to friends or family, or moving money between users without needing to wait for a normal bank payment to clear. ### What you can do | Action | Description | | ----------------- | ------------------------------------------------ | | Send instantly | Send money to another Spendl user. | | Receive instantly | Receive money from another Spendl user. | | Avoid bank delays | Move funds without external bank clearing times. | | Send for free | Spendl user to Spendl user transfers are free. | ## Sending funds to external bank accounts Spendl also allows users to send funds to external bank accounts. This gives you a way to move money out of your Spendl account and into a normal bank account when needed. ### What you can do | Action | Description | | ---------------------- | --------------------------------------------------- | | Send to a bank account | Move funds from Spendl to an external bank account. | | Pay someone else | Send funds to someone who does not use Spendl. | | Move funds to yourself | Send money from Spendl to your own bank account. | | Use Spendl daily | Add Spendl into your normal payment flow. | ## Loading your card from your Spendl Wallet Your Spendl Card is one feature inside the wider Spendl platform. You can load your card from your Spendl Wallet and use it for spending where supported. This gives users a simple way to move funds from their wallet into a card balance that can be used for payments. ### What you can do | Action | Description | | --------------------- | ------------------------------------------------ | | Load your card | Move funds from your Spendl Wallet to your card. | | Manage card balance | Control the funds available for card spending. | | Spend from your card | Use your loaded balance for supported purchases. | | Manage inside the app | Control card funding from your dashboard. | ## Spending locally and internationally Once your card is loaded, you can use it for supported payments locally and internationally. This makes Spendl useful for online purchases, travel, subscriptions, everyday spending, and other card based transactions. ### What you can do | Action | Description | | --------------------- | -------------------------------------------------------------------- | | Pay online | Use your loaded card balance for supported online purchases. | | Pay in store | Use your card where supported. | | Spend locally | Use Spendl for everyday local payments. | | Spend internationally | Make supported international payments. | | Pay for daily needs | Use your balance for purchases, subscriptions, travel, and services. | ## Cash withdrawals Users can withdraw cash from supported ATMs and till points using their Spendl Card, subject to account limits and verification level. This gives users another way to access their money when they need physical cash. ### What you can do | Action | Description | | ----------------------- | -------------------------------------------- | | Withdraw at ATMs | Access cash from supported ATMs. | | Withdraw at till points | Access cash at supported till points. | | Use your Spendl Card | Withdraw using your loaded card balance. | | Stay within limits | Operate within your approved account limits. | ## Security and compliance Spendl is built with security, identity verification, and compliance controls as part of the platform. Users are required to complete the relevant verification steps based on their account type and limits. This helps protect users and supports responsible money movement through the platform. ### What you can do | Action | Description | | ---------------------- | ----------------------------------------------------------------- | | Verify securely | Complete identity verification inside the platform. | | Access features | Unlock features based on your verification tier. | | Use approved limits | Operate within the limits linked to your profile. | | Move money responsibly | Use a platform built around monitored and compliant transactions. | {% hint style="warning" %} Your available features and limits may depend on your verification tier, account status, and supported product access. {% endhint %} ## Upcoming features Spendl will continue to add new features for individual users over time. Future releases include vouchers, tokenized stocks, yield bearing DeFi tools, and other dashboard based products that give users more ways to access, manage, and use money from one place. As new features go live, this section can be updated to reflect what is available inside the Spendl platform. ## Simple summary | Spendl helps you | How | | ----------------------- | ----------------------------------------------------------------------- | | Fund your account | Use supported funding methods, including fiat & crypto funding options. | | Move money | Send to Spendl users or external bank accounts. | | Use your wallet | Load your card from your Spendl Wallet. | | Spend money | Pay locally or internationally where supported. | | Access personal banking | Use one of 3 option depending on your eligibility. | | Grow with the platform | Access new Spendl features as they are released. |