Comparison

SPOKO money transfers vs FlashSend Wallet

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SPOKO money transfers

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.

Highlights
  • 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
Features
Read full description

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.

About

FlashSend Wallet

Send money to Africa quickly and securely with this intuitive application. Enjoy competitive rates and a user-friendly interface for seamless transfers to friends and family. Industry-leading security ensures your transactions are protected.

Highlights
  • Fast money transfers
  • Secure transactions
  • Competitive pricing
  • User-friendly interface
  • Send money to Africa
Features
Read full description

Transfer money to Africa with ease and security using FlashSend! Our app makes sending money to loved ones and friends simple in just a few clicks. Enjoy competitive pricing, saving you money on transactions, and a friendly user experience that makes transfers a breeze. With industry-leading security, you can trust that your transactions are protected. Download FlashSend now and start transferring money with complete peace of mind! [Minimum supported app version: 1.0.44]

Screenshots

SPOKO money transfers4 screens
FlashSend Wallet4 screens

Verdict

The call

The clearest difference is rating: FlashSend Wallet at 4.0 against SPOKO money transfers's 2.4. FlashSend Wallet also leads on review sentiment (100% vs 58%) and update cadence (every 2 weeks vs monthly). SPOKO money transfers's advantage is ratings volume (7 vs 1) and iOS requirement (12.0 vs 14.0). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

FlashSend Wallet holds the better App Store score, 4.0 against 2.4. That said, the two scores are not equally well evidenced: SPOKO money transfers has 7 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 58% of SPOKO money transfers's written reviews are positive against 100% of FlashSend Wallet's.

UpkeepUpdate frequency

SPOKO money transfers ships an update monthly, FlashSend Wallet every 2 weeks. The most recent releases landed on June 11, 2026 and June 4, 2026 respectively.

Scorecard5 real differences · 5 level
SPOKO money transfers versus FlashSend Wallet: the parameters behind the verdict, then further details
ParameterSPOKO money transfersFlashSend Wallet
PriceFreeFree
Rating2.4 (7 ratings)4.0 (1 ratings) — better
Positive reviews58.2% of reviews100.0% of reviews — better
Number of ratings7 — better1
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.0 — better14.0
Further details — not scored
Size126 MB60 MB
Age rating4+4+
DeveloperPU GROUP LIMITEDInnovatedY

Customer experience

SPOKO money transfers

All ratings7 ratings
Positive28.6%
Neutral0.0%
Negative71.4%
Written reviews110 reviews
Positive58.2%
Neutral2.7%
Negative39.1%

FlashSend Wallet

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

SPOKO money transfers

Reported bugs

4 issues
  • 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

Requested features

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

FlashSend Wallet

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SPOKO money transfers

No in-app purchases

None

FlashSend Wallet

No in-app purchases

Questions

Is SPOKO money transfers free?
SPOKO money transfers is free to download, with no in-app purchases.
Is FlashSend Wallet free?
FlashSend Wallet is free to download, with no in-app purchases.
Which has better reviews, SPOKO money transfers or FlashSend Wallet?
FlashSend Wallet is rated higher. SPOKO money transfers averages 2.4 out of 5 from 7 ratings, while FlashSend Wallet averages 4.0 from 1 ratings.
Do SPOKO money transfers or FlashSend Wallet have ads?
Neither SPOKO money transfers nor FlashSend Wallet shows ads.
Which is updated more often, SPOKO money transfers or FlashSend Wallet?
SPOKO money transfers ships an update monthly, and FlashSend Wallet every 2 weeks. Most recently, SPOKO money transfers was updated on June 11, 2026 and FlashSend Wallet on June 4, 2026.

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