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SPOKO money transfers

SPOKO money transfers

Smart money transfers

7 ratings
110 reviews
💼 Business
💰 Finance
Free

Details

  • Released
  • Updated
  • October 29, 2020
  • April 15, 2026

Features

Developer

PU GROUP LIMITED
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SPOKO money transfers screenshot #1 for iPhone
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SPOKO money transfers screenshot #5 for iPhone
SPOKO money transfers screenshot #6 for iPhone
SPOKO money transfers screenshot #7 for iPhone
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❓5 answered
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About

Send money internationally with competitive exchange rates and low fees. Supports transfers from 25 European countries and the UK to over 50 countries worldwide. Offers multiple convenient transfer and receiving methods, including cards, bank transfers, and cash pickup.

✓Money-saving exchange rates
✓Transfers from 25 European countries + UK
✓Send to 50+ countries worldwide
✓Multiple payment and receiving options
✓Instant transfers
✓Secure and encrypted transactions
✓Cash pickup available
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What users say

Summarized from real user reviews of SPOKO money transfers. Based on 7 reviews and a 2.4/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Fast and efficient
  • 💰Good exchange rates
  • 🔒Secure and reliable
  • 👍User-friendly and easy to use
  • 🕰️Instant money transfers

Negative things

  • 🐛Frequent account blocking and verification issues
  • 💸High commission fees
  • ⚠️Inconsistent service quality
  • 🤖Poor customer support
  • 🔌App crashes and technical issues
See all reviews

What's New in SPOKO money transfers

1.1.35

April 15, 2026

Added currency rate for completed transactions

User reviews

Most RecentHighest RatedLowest Rated

Гімно

Навіть смс не приходять якщо хочеш зареєструватися з українського номера телефону
Убийца лукашенкиУбийца лукашенки

Мені заблокували акаунт

Як можна розблокувати ?
AndriiykoAndriiyko

Worth app

I entered phone - receive sms code, got an error and redirected back to sign in, that’s is, worth experience
User10747User10747

The best

Багато додатків випробувала ну цей з найкращим курсом . Скоро , без проблем і верифікацію скоро можна пройти . Контактувала з гарячою лінією від зразу відповіли і знають свою роботу. Тому дуже задоволена !!!
Martyčka00Martyčka00

Spoko

Je ne reçois pas le code en sms je suis franche polynésien
HnãHnã
See 105 more reviews

User experience

🐞

Reported Bugs

4 issues

Verification process takes too long or fails

Bug

Accounts being blocked without clear reason

Bug

Transfers not being delivered or delayed

Bug

Technical issues with the app and website

Bug
✨

Requested Features

3 requests

Restore Apple Pay and BLIK payment options

Feature

Improve verification process and account security

Feature

Provide more transparency on fees and exchange rates

Feature

FAQ

What is SPOKO money transfers?

SPOKO money transfers is a mobile application designed for sending money internationally. It offers competitive exchange rates and low fees, aiming to be cheaper than traditional banks and other financial services for international remittances. The app allows users to send money from 25 European countries and the UK to over 50 countries globally.

How can I send and receive money with SPOKO?

You can send money using various methods including Visa, Mastercard, Maestro debit and credit cards, Sofort/Klarna, bank transfer, Blik (for Polish Złoty), and Apple Pay/Google Pay. Money can be received instantly on a bank account, debit card, e-wallet, mobile money, or as cash pickup from agent locations worldwide.

Is SPOKO money transfers free to use?

The app itself is free to download and use, with no monthly fees for an account. The primary cost is associated with the money transfer itself, which includes the exchange rate and any applicable commission. The app emphasizes its money-saving exchange rates and lack of hidden fees.

What countries can I send money to?

You can send money to over 50 countries worldwide, including popular destinations like Ukraine, Moldova, Georgia, Azerbaijan, Uzbekistan, Armenia, Nigeria, India, Philippines, Ghana, Turkey, Senegal, Morocco, and Cameroon, among many others. Specific details for transfers to Ukraine are highlighted, noting cheap transfers in PLN currency with low commissions.

How secure is SPOKO money transfers?

The application prioritizes security and privacy. It is 100% secure and encrypted, protecting sensitive information with bank-level security procedures to guard against fraud. Personal data is protected in accordance with the EU General Data Protection Regulation (GDPR), and users can enhance profile security with two-factor authentication, face recognition, or fingerprint recognition.