# Spend App — Multi-Currency Digital Wallet

> Multi-currency digital wallet for fiat and crypto with linked Visa card. (iPhone/iPad app by Spend Inc..)

- Source: https://appshunter.io/ios/app/spend-app/id1357740381 (this page in markdown: same URL + `.md`)
- Developer: [Spend Inc.](https://appshunter.io/developer/1403984895)
- Category: Finance, Utilities
- Price: Free
- Rating: 3.97/5 from 326 App Store ratings · 50 written reviews indexed
- Age rating: 4+
- Requires: iOS 11.0 · 118 MB
- Languages: English
- Released: 2018-03-29
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/spend-app/id1357740381/reviews.md

## What is Spend App?

The Spend App gives you the ability to create a multi-currency digital wallet connected to your smart phone or web based device.  We make it easy to securely buy, use, store, and spend your money as well as digital assets including Bitcoin, Ethereum, Litecoin and more.

With the sleek and simple Spend App you can:
* Securely store your USD, CAD, EUR, and 22 other fiat currencies within your Spend Wallet
* Securely store Bitcoin, Ethereum, Litecoin and more within your Spend Wallet
* Sign-up for and link the Spend Visa® card directly to your Spend Wallet for real-time spending anywhere Visa® cards are accepted
* Convert digital currencies to fiat currencies instantly at point of purchase
* Send money to friends and family within your Spend Wallet
* Exchange digital assets and currencies right in your Spend Wallet instantly 
* Access analytics and information on supported cryptocurrencies

Additional features include:
- Check balance, transaction history and transaction details for all your accounts in a glance
- Send USD, CAD, EUR, Bitcoin, Ethereum, Litecoin and more around the world utilizing your Spend Wallet
- Your Digital Assets and funds are safe with our bank level security 
- Enable Face ID / Touch ID to protect the app
- Remotely lock your Spend Visa® card if it is lost or stolen

If you're having issues with the app, or have some feedback, please send us an email at help@spend.com

## Key features

- Multi-currency digital wallet
- Store fiat and cryptocurrencies
- Link Spend Visa card for spending
- Instant currency conversion
- Send money to friends and family
- Exchange digital assets
- Transaction analytics

## What do users think of Spend App?

Overall sentiment: negative

**Pros**

- 💡 Innovative crypto debit card concept
- 🚀 Fast and convenient transactions
- 💰 Cashback rewards (6% mentioned)
- 📱 User-friendly interface
- 🌐 Ability to spend crypto directly without conversion
- 💳 Virtual and physical card options
- 🔄 Multi-device synchronization
- 📊 Easy expense tracking and reporting
- 🎯 Frequent token/asset additions
- 👥 Responsive customer service (when available)

**Cons**

- 😞 Severe customer support unresponsiveness
- 💸 High fees and membership costs ($25-$150+)
- ⏳ Extremely long verification delays (weeks to months)
- 💔 Missing/unconfirmed transactions
- 🚫 Non-functional virtual cards
- 📵 No phone support available
- 🔐 Lack of proper licensing/regulation
- 🐛 Frequent app crashes
- ❌ Card activation failures
- 🤥 Deceptive business practices
- 💳 Card never received or sent to wrong address
- ⚠️ Inaccurate cryptocurrency pricing
- 🚫 No bank account integration despite requests

**Commonly reported bugs**

- App crashes when checking card status
- Banking info stuck in 'Pending/Verifying' state
- Virtual card declines with Apple Pay
- Card won't activate after purchase
- Incorrect withdrawal error messages
- Inaccurate asset price feeds
- Transaction confirmation delays
- Random app crashes

**Most requested features**

- Phone support line
- Transaction preview showing exact costs
- Real-time accurate cryptocurrency pricing
- Crypto staking for supported assets
- Improved Apple Pay compatibility
- Better card delivery tracking

## Recent user reviews (10 of 50)

All indexed reviews: https://appshunter.io/ios/app/spend-app/id1357740381/reviews.md

### 1/5 — Thieves

*2021-06-13, version 3.2.6*

These people have not responded to support requests in 2 months after a transaction to transfer BCH out went “missing” even though it shows completed in the app. No resolution or eta via chat, email, support desk or Twitter. They don’t answer the phone when called. Don’t use this app unless you want your money stolen.

### 1/5 — Beware!!!! NO SUPPORT AT ALL. MISSING MONEY FOR TWO WEEKS!!!

*2021-06-03, version 3.2.6*

I recently sent some BTC to my spend wallet and after two weeks it still has not shown up. It’s confirmed on the blockchain it was sent to my SPEND wallet and nothing. I have contacted their “help” department numerous times over the past two weeks and have received NO RESPONSE AT ALL! I live chat every single day multiple times a day and all they tell me is “sorry you need to wait” they do not offer any phone support. I WOULD STAY AWAY FROM THIS COMPANY IF YOU VALUE YOUR CRYPTO!!

### 1/5 — No

*2021-05-18, version 3.2.6*

I sign up with this app recommended to me by a friend and do all they requested for all the verification process and I got a message it will be reviewed and verify within 3business days but right now it’s over a month and my verification page still keep saying pending. I don’t think it will be verify till eternity thou

### 1/5 — Kinda shady

*2021-04-06, version 3.2.6*

Opened the account with high hopes but never received a debit card to use with my account so that made it basically worthless to me. The app also kept crashing every time I would check on my card status... and then when I tried speaking to support they just referred me to email them to close the account. There are other apps out there that can do what Spend does, but way better.

### 4/5 — Almost perfect

*2020-08-18, version 3.2.5*

I would love to give this app 5 stars because I think that the idea to make a debit card that allows you to spend any of your assets at any store that accepts visa  etc without having to convert them to usd is the most brilliant idea out there for crypto currency and apps

### 5/5 — My new financial institution.

*2020-07-17, version 3.2.4*

I use my Spend card everyday and get 6% back. It’s quite lovely, honestly. Team has some work to do still but, I am glad to be early!

### 1/5 — 5,000 Bat token transfer never received

*2020-07-09, version 3.2.2*

Confirmed with Gemini it was sent last week and I still did not receive it in my Spend wallet. No follow up with customer service (Ravi) even after I sent them Tx Hash confirmation. This is not a good sign if you have to wait for your own money/crypto a week or worse never get to at all and do double check I sent Link to my Spend wallet and it never received either

### 5/5 — Spend App

*2020-06-14, version 3.2.2*

This is a company going places.. The app works well and as time goes by, I’m sure there will be improvements. 
  I’ve had my Black Spend Card for over 1 year and I use the Spend Wallet everyday. A Big 5 Stars from me.

### 5/5 — A great app that works well (also the card works in America)

*2020-05-28, version 3.2.1*

The app and company have been very professional and helpful. My card works in America at stores and ATMs.

### 5/5 — Spend is fine

*2020-05-28, version 3.2.1*

Geez have a drink and calm down. Spend is just fine. They are not a scam and yes they have had a few hiccups and tech glitches- but who hasn’t in this brave new frontier? Customer service has always been responsive and helpful. Nobody is perfect, but these guys are providing a great service and will only smooth out the rough edges as time goes by.

## Frequently asked questions about Spend App

### What is Spend App?

Spend App is a multi-currency digital wallet that allows you to securely buy, use, store, and spend your money, including fiat currencies like USD, CAD, EUR, and digital assets such as Bitcoin, Ethereum, and Litecoin. It offers a convenient way to manage your finances and digital assets from your smartphone or web-based device.

### What are the key features of Spend App?

Key features include the ability to store multiple fiat currencies and cryptocurrencies, link a Spend Visa card for real-time spending anywhere Visa is accepted, instantly convert digital currencies to fiat at the point of purchase, send money to friends and family, and exchange digital assets directly within the app. It also provides transaction history and analytics.

### Is Spend App free to use?

Based on the provided information, the app is free to download and use. There are no mentions of subscription fees or in-app purchases for core functionalities. The monetization model is listed as 'free'.

### What currencies and digital assets can I store in Spend App?

You can securely store USD, CAD, EUR, and 22 other fiat currencies within your Spend Wallet. Additionally, you can store digital assets like Bitcoin, Ethereum, Litecoin, and more. The app facilitates sending and exchanging these currencies and assets globally.

### How secure is my money and digital assets in Spend App?

Your digital assets and funds are protected with bank-level security. The app also offers additional security features such as enabling Face ID or Touch ID for protection and the ability to remotely lock your Spend Visa card if it is lost or stolen.

## Version history (last 1 release)

### 3.2.6 — 2020-09-05

This update includes bug fixes and performance improvements.

## Apps similar to Spend App

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Vast Bank Mobile](https://appshunter.io/ios/app/vast-bank-mobile/id1572241586) | 3.4 (83) | Free | Finance |
| [Extend](https://appshunter.io/ios/app/extend/id1268034990) | 4.2 (47) | Free | Finance |
| [Revolve Finance](https://appshunter.io/ios/app/revolve-finance/id1444911260) | 2.5 (39) | Free | Finance |
| [Juno - Buy Bitcoin & Litecoin](https://appshunter.io/ios/app/juno-buy-bitcoin-and-litecoin/id1525858971) | 3.5 (1,010) | Free | Finance |
| [MOVO - SEND TO SPEND](https://appshunter.io/ios/app/movo-send-to-spend/id1538828856) | 4.3 (372) | Free | Finance |
| [Cogni Multi-Chain Wallet](https://appshunter.io/ios/app/cogni-multi-chain-wallet/id1483957512) | 4.7 (1,421) | Free | Finance |

---

*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.*