COMPANY detail
SPENDA CARD Spend crypto like cash. Bank transfer, bills & cards
CARD FEATURE OVERVIEW.
CARD NAME
SPENDA CARD
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
0%
NEED KYC
YES
FX FEE
MARKET RATES
APR / YIELD
NO
CARD TYPE
VIRTUAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$0
DAILY LIMIT
UP TO ₦10,000,000
GET THE CARD
SPENDA CARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | MARKET RATES |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $0 |
| DAILY LIMIT | UP TO ₦10,000,000 |
Last Updated: Aug 3, 2026
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified
Blockchain networks supported for deposits NOT DISCLOSED on any official page.
Naira Verve card only works within Nigeria. No international online payments on the Naira card. you need the USD card for that.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- Free virtual cards with zero monthly fees
- Naira + USD card options for local and international spending
- Automated crypto-to-Naira conversion, no manual swaps
- Bill payments integrated (airtime, electricity, cable TV, data)
- High verified limits (₦10M/day)
- Apple Pay and Google Pay support
CONS
[ LIMITATIONS ]
- Nigeria-focused
- Naira Verve card only works locally (not for international payments)
- Card denial fee exists but amount is unpublished (blank in legal terms)
- Crypto deposit networks and supported assets not clearly documented
- No IBAN/SWIFT
- Custodial wallet
- Card terminated after repeated declines
GENERAL QUESTIONS.
Spenda is a super app that allows Africans to spend cryptocurrency effortlessly in their daily lives.
Spenda supports Visa and Mastercard for USD transactions, and Verve for local Naira transactions.
You can pay bills, make bank transfers, and perform card transactions using your crypto as a means of deposit.
No, you can only deposit supported digital assets which are automatically converted to Naira at the best market rate.
No, Spenda is built to let you spend crypto like cash — not the other way around.
