# MSUFCU Spave

> Automated micro-savings and charitable giving linked to card purchases. (iPhone/iPad app by MSU Federal Credit Union.)

- Source: https://appshunter.io/ios/app/msufcu-spave/id1634869301 (this page in markdown: same URL + `.md`)
- Developer: [MSU Federal Credit Union](https://appshunter.io/developer/560539286)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 1.00/5 from 2 App Store ratings
- Age rating: 12+
- Requires: iOS 12.1 · 25 MB
- Languages: English
- Released: 2022-09-01
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/msufcu-spave/id1634869301/reviews.md

## What is MSUFCU Spave?

MAKE YOUR OWN WORLD OF DIFFERENCE™ The more you spend, the more you spave. The more you spave, the greater the impact you’ll have … for yourself and others.


Spave® deducts micro-amounts (“spavings”) from your primary checking account whenever you make a purchase using cards linked to the app (debit or credit). You define the percentage to spave, and Spave automatically distributes them to your savings and selected charity(ies).


Highlight Reel:

• Set it and forget it. Easily and securely link your accounts to start saving and giving with every swipe of your card, then watch your spavings grow.

• Define your spaving amounts that allow you to live the life you want, give to the causes you care about, and save for a secure, fulfilling future.

• View your spending, giving, and saving all in one place.

• Set or modify weekly, monthly or yearly goals and track your progress. Want to step it up and change your contributions or goals? Not a problem. You can edit your settings at any time. Turn it on. Shut it off. Redirect. Pause. Play. Proceed. You’re in control.

• Compare your charitable contributions and personal savings against your total spending. Predict your future savings based on your current progress.

• Spend as you normally do. Spave does all the work in the background, so you don’t have to. We’ll provide little nudges along the way to help you improve your financial wholeness. You’ll receive affirming notifications of your activity, so you can watch and feel good about the impact you’re having on yourself, your family, your community, and the causes you care most about.


Here’s how it works:

1. Step 1: Link Accounts (Checking, Savings, Credit/Debit)

2. Step 2: Choose causes that touch your heart.

3. Step 3: Set your savings goal.

4. Step 4: Select method.


SECURITY: Protecting your data is vital to us. Spave’s technology is built with multi-factor authentication, bank-level (256-bit encryption) security that meets integration HIPPA, PCI, SOC compliance requirements.


We have established minimum and maximum amounts as embedded guard rails to protect you from over-committing. We also allow you to set caps to limit the amount of spavings withdrawn from your checking account – per transaction, per day, per week.


Control. Choice. Convenience. Confidence. It’s all yours with spave.

## Key features

- Automatic micro-deductions from checking
- Distributes funds to savings and charities
- Customizable spaving percentages
- Set and track savings goals
- View spending, giving, and saving in one place
- Adjust settings anytime
- Bank-level security with multi-factor authentication


## Frequently asked questions about MSUFCU Spave

### How does MSUFCU Spave work?

MSUFCU Spave deducts micro-amounts from your checking account with every card purchase. These 'spavings' are automatically distributed to your savings and selected charities. You can link your checking, savings, and credit/debit cards to begin.

### Can I control how much MSUFCU Spave deducts?

Yes, you can define the percentage to spave from your purchases. The app also has embedded guard rails and allows you to set caps per transaction, per day, or per week to protect you from over-committing.

### What kind of security does MSUFCU Spave offer?

MSUFCU Spave uses multi-factor authentication and bank-level 256-bit encryption, meeting HIPPA, PCI, and SOC compliance requirements to protect your data.

### Can I change my savings goals or charity selections in MSUFCU Spave?

Absolutely. You can set or modify weekly, monthly, or yearly goals and change your contributions or goals at any time. You have full control to turn it on, shut it off, redirect, pause, play, or proceed.

### What devices is MSUFCU Spave available on?

MSUFCU Spave is available on iPhone, iPad, and iPod devices.

### How often is MSUFCU Spave updated?

The latest version is 3.13.0, and the app was last updated on April 12, 2023. Updates typically include new features, bug fixes, and performance improvements.

### What are the user reviews like for MSUFCU Spave?

MSUFCU Spave has a rating of 1.0 stars from 2 ratings. This indicates a very low user satisfaction based on the available data.

### Does MSUFCU Spave have ads?

The provided data does not indicate that MSUFCU Spave contains advertisements. It is listed as a free application.

## Version history (last 2 releases)

### 3.13.0 — 2023-04-12

- add screen in user onboarding to encourage users to create account

### 3.12.1 — 2023-02-23

- Improved app security
- Display alerts more quickly after user actions
- Fix suggested username on iOS login screens
- Minor bug fixes

## Apps similar to MSUFCU Spave

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Peak Bank](https://appshunter.io/ios/app/peak-bank/id1587913380) | — | Free | Finance |
| [Gambling Tracker: Slots, Poker](https://appshunter.io/ios/app/gambling-tracker-slots-poker/id1628933760) | 4.8 (125) | Free | Finance |
| [Stock Snapshot](https://appshunter.io/ios/app/stock-snapshot/id1629298680) | — | Free | Finance |
| [MyKRing](https://appshunter.io/ios/app/mykring/id1578688520) | — | Free | Finance |
| [Xapo Bank: Save in BTC & USD](https://appshunter.io/ios/app/xapo-bank-save-in-btc-and-usd/id1560681080) | 4.7 (105) | Free | Finance |
| [CreciPay](https://appshunter.io/ios/app/crecipay/id1638751180) | 4.2 (10) | Free | Finance |

## More apps by MSU Federal Credit Union

- [Financial 4.0 for OU](https://appshunter.io/ios/app/financial-40-for-ou/id1027092420)
- [AlumniFi](https://appshunter.io/ios/app/alumnifi/id6443942414)
- [Collegiate CU](https://appshunter.io/ios/app/collegiate-cu/id6443943281)
- [Financial 4.0 for OU](https://appshunter.io/ios/app/financial-40-for-ou/id6449004104)
- [FinStart](https://appshunter.io/ios/app/finstart/id6449009092)

All apps by MSU Federal Credit Union: https://appshunter.io/developer/560539286

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*