> 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-card-plans.md).

# Spendl Card Plans

Spendl Money currently offers three top up options for users to choose from.

Same card. Same price. Your plan depends on your KYC level inside the Spendl App.

<figure><img src="https://3461027950-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FnXdbiEUVeVXYdRx9uug6%2Fuploads%2F6LhcfEFLNDxx51O1PQRM%2Fimage.png?alt=media&amp;token=4404a083-4bc7-44fc-99ad-7baa90f25148" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
**Please note**\
Card artwork and finishes may vary. Any substitution will keep the features, security, and performance exactly the same.
{% endhint %}

## Choose the plan that matches your verification level

Spendl gives users access to the same card experience across all plans. The difference between Smart, Savvy, and Guru is based on the KYC level completed in the Spendl App and the monthly limits attached to that level.

| Feature                   |   Smart |    Savvy |     Guru |
| ------------------------- | ------: | -------: | -------: |
| **Spend limit**           | R25,000 | R100,000 | R500,000 |
| **KYC level**             |   KYC 2 |    KYC 3 |    KYC 4 |
| **SA resident**           |     Yes |      Yes |      Yes |
| **Virtual card**          |     Yes |      Yes |      Yes |
| **Physical card**         |     Yes |      Yes |      Yes |
| **Digital asset funding** |     Yes |      Yes |      Yes |
| **Vouchers**              |     Yes |      Yes |      Yes |
| **Remittance**            |     Yes |      Yes |      Yes |

## Smart

Smart is the entry card plan for users who complete KYC 2 inside the Spendl App.

### What you get

* R25,000 spend limit
* Foreign nationals and non-RSA users
* Virtual card access
* Physical card access
* Digital asset funding
* Voucher access
* Remittance access

## Savvy

Savvy is for users who complete KYC 3 and need a higher spend limit inside the Spendl App.

### What you get

* R100,000 spend limit
* RSA & foreign nationals access
* Virtual card access
* Physical card access
* Digital asset funding
* Voucher access
* Remittance access

## Guru

Guru is for users who complete KYC 4 and need the highest available spend limit inside the Spendl App.

### What you get

* R500,000 spend limit
* RSA users
* Virtual card access
* Physical card access
* Digital asset funding
* Voucher access
* Remittance access

## Important information

The card is the same across Smart, Savvy, and Guru. The monthly price is the same across all plans. Your plan is determined by the KYC level completed in the Spendl App.

[View all limits and fees here](#)

[Terms and Conditions](#)