# SPOKO money transfers — Smart money transfers

> International money transfers with smart exchange rates and low fees. (iPhone/iPad app by PU GROUP LIMITED.)

- Source: https://appshunter.io/ios/app/spoko-money-transfers/id1534419672 (this page in markdown: same URL + `.md`)
- Developer: [PU GROUP LIMITED](https://appshunter.io/developer/1534419674)
- Category: Finance, Business
- Price: Free
- Rating: 2.43/5 from 7 App Store ratings · 110 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.0 · 126 MB
- Languages: English, Polish, Russian, Ukrainian
- Released: 2020-10-29
- Data updated: 2026-06-11
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/spoko-money-transfers/id1534419672/reviews.md

## What is SPOKO money transfers?

Send more, spend less. You can always rely on our money-saving exchange rates. You’ll find Spoko cheaper than sending money abroad with traditional banks and other financial services.

Send money as you wish from 25 European countries and the UK in: EUR (Euro), GBP (British Pound), PLN (Polish Złoty) or SEK (Swedish Krona)
• You can choose how to send & receive transfers:
— Visa, Mastercard or Maestro debit and credit cards;
— Sofort/Klarna;
— Bank transfer;
— Blik (for Polish Złoty);
— Apple Pay, Google Pay.
• Receive money instantly on a bank account, debit card, e-wallet, mobile money or pickup cash from one of our 50 000+ agent locations around the world.

We always offer an excellent exchange rate, without hidden fees!

Send money to 50+ countries including: 
Ukraine, Moldova, Georgia, Azerbaijan, Uzbekistan, Armenia, Nigeria, India, Philippines, Ghana, Turkey, Senegal, Morocco, Cameroon and many other countries around the world.

 Ukraine:
• Cheap transfers in PLN currency,
• Commission from PLN 1.5;
• Crediting to cards of all Ukrainian banks:
Privatbank, Monobank, A-bank, Oschadbank, Ukreximbank, Ukrsibbank, Ukrgasbank, Kredobank, OTP Bank, Pivdenny, PUMB and many others;
• Pay from Poland using BLIK code or any Polish bank card;

Security and Privacy you can trust.
• Spoko mobile app is 100% secure and encrypted;
• Any sensitive information you share with us is hidden from prying eyes;
• We encrypt all transfers and protect you against fraud using bank-level security procedures;
• Your personal data is protected in accordance with the EU General Data Protection Regulation (GDPR);
• Protect your profile with a two-factor authentication, face recognition or fingerprint recognition.

Our services are fully regulated, so your hard-earned money is safe, secure and transmitted easily. 

 Award Winning App which will satisfy all you needs:
• Add and save multiple cards in different currencies;
• Free account and no monthly fees;
• Save your recipients and repeat transactions in a few clicks;
• Real-time tracking and clear transfer limits;
• Earn 10€ for every friend you invite.

 Legendary Customer Support
Any help is needed ? Our multilingual team of experts is always here to answer your questions. You can use live chat in our app, e-mail support@spoko.app or call us +48 22 523 46 59 

We love our customers and believe that modern money transfers should be stress-free, smart and accessible.

Make your life easier with only one click - download the Spoko app and join 900.000 happy customers right now.

## Key features

- 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

## What do users think of SPOKO money transfers?

Overall sentiment: negative

**Pros**

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

**Cons**

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

**Commonly reported bugs**

- Verification process takes too long or fails
- Accounts being blocked without clear reason
- Transfers not being delivered or delayed
- Technical issues with the app and website

**Most requested features**

- Restore Apple Pay and BLIK payment options
- Improve verification process and account security
- Provide more transparency on fees and exchange rates

## Recent user reviews (10 of 110)

All indexed reviews: https://appshunter.io/ios/app/spoko-money-transfers/id1534419672/reviews.md

### 1/5 — Гімно

*2025-04-03, version 1.1.33*

Навіть смс не приходять якщо хочеш зареєструватися з українського номера телефону

### 1/5 — Мені заблокували акаунт

*2024-09-02, version 1.1.30*

Як можна розблокувати ?

### 1/5 — Worth app

*2024-08-21, version 1.1.30*

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

### 5/5 — The best

*2024-04-19, version 1.1.25*

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 !!!

### 1/5 — Spoko

*2023-12-07, version 1.1.17*

Je ne reçois pas le code en sms je suis franche polynésien

### 5/5 — Постійний клієнт

*2023-07-04, version 1.1.13*

Користуюся вже 5 років цим сервісом. Все подобається

### 1/5 — Не сподобалось

*2023-07-02, version 1.1.13*

Дуже багато інформації яку я не бажаю вказувати

### 5/5 — ⭐️⭐️⭐️⭐️⭐️

*2023-06-09, version 1.1.13*

Хороший додаток, зручно та швидко

### 1/5 — Не працює.

*2023-03-20, version 1.1.13*

Поки була в Польщі було все чудово. Додаток чудово працював. Тепер я в Україні і не можу навіть зареєструватись. Тому буду шукати інший додаток.

### 5/5 — 🌠🌠🌠🌠🌠

*2023-01-02, version 1.1.13*

Отличное приложение и с самым выгодным курсом

## Frequently asked questions about SPOKO money transfers

### 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.

## Version history (last 5 releases)

### 1.1.35 — 2026-04-15

Added currency rate for completed transactions

### 1.1.34 — 2025-04-17

Bug fix and flows improvements

### 1.1.33 — 2025-03-25

Bug fix and functionality improvements

### 1.1.32 — 2024-12-13

A new payment method has been added: Apple Pay.
Bugs fixed and app improvements.

### 1.1.31 — 2024-09-09

Minor bugs fixed and app improvements.

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## Related topics

[spoko money transfers](https://appshunter.io/ios/topics/spoko-money-transfers)

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*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 2026-06-11.*