> 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-money-app/spendl-money-overview/spendl-for-individuals.md).

# Spendl for Individuals

Spendl gives individuals one app to manage, move, convert, and spend money without splitting everyday financial tasks across different tools.

Spendl brings your wallet, balances, card, vouchers, transfers, and supported digital assets into one connected platform.

### What Spendl Gives You

For individuals, the Spendl Money App is built around everyday access.

You can hold balances, send money, receive money, load your Spendl Card, spend online or in store, and use supported features directly from your dashboard.

Digital assets are also supported as one funding method, allowing users to deposit supported assets, convert into fiat, and manage those balances alongside normal account activity.

### How It Works

<table><thead><tr><th width="133">Step</th><th width="211">Action</th><th>What Happens</th></tr></thead><tbody><tr><td>1</td><td>Create your account</td><td>Sign up and complete the required verification for your account tier</td></tr><tr><td>2</td><td>Add funds</td><td>Fund your Spendl Wallet using supported funding methods</td></tr><tr><td>3</td><td>Move money</td><td>Send funds to Spendl users or supported external bank accounts</td></tr><tr><td>4</td><td>Load your card</td><td>Move available funds from your Spendl Wallet or Crypto Wallet onto your Spendl Card</td></tr><tr><td>5</td><td>Spend your balance</td><td>Use your card online, in store, or internationally where supported</td></tr></tbody></table>

### What You Can Do

<table><thead><tr><th width="240">Feature</th><th>What it enables</th></tr></thead><tbody><tr><td>Spendl Wallet</td><td>Hold available funds inside the Spendl Money App</td></tr><tr><td>Instant Spendl transfers</td><td>Send money to other Spendl users instantly and for free</td></tr><tr><td>External bank transfers</td><td>Send funds from Spendl to supported external bank accounts</td></tr><tr><td>Spendl Card</td><td>Load your card from your wallet and spend online, in store, or internationally</td></tr><tr><td>Vouchers</td><td>Convert balances into airtime, data, electricity, gaming, transport, and other everyday vouchers</td></tr><tr><td>Digital assets</td><td>Deposit, hold, convert, and use supported digital assets as one funding method</td></tr><tr><td>Personal banking tier</td><td>Access personal account features based on your verification level</td></tr></tbody></table>

### Everyday Use

Spendl is designed to make money easier to use in real time.

You can use it to pay for everyday purchases, manage balances, send money to people, load your card when needed, and access supported spending tools from one place.

### Simple, Fast, and Connected

Everything inside Spendl is built to work together.

Your wallet connects to your card.

Your balances connect to transfers.

Your digital assets can be converted into fiat.

Your app gives you one place to manage it all.

{% hint style="info" %}
Built for Everyday Money Movement

Spendl helps individuals move from holding funds to using them.

Add funds, manage your wallet, load your card, send money, and spend from one connected app.
{% endhint %}