SPOKO – smart 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), PLN (Polish Złoty), GBP (Pound Sterling), CZK (Czech Crown), SEK (Swedish Crown)
• You can choose how to send & receive transfers:
— Visa, Mastercard or Maestro debit and credit cards;
— Blik (for Polish Złoty);
— Google Pay.

• Receive money instantly on a bank account, debit card or e-wallet
💰 We always offer an excellent exchange rate, without hidden fees!

Send money to 50+ countries including:
Ukraine 🇺🇦, Nigeria 🇳🇬, Georgia 🇬🇪, Moldova 🇲🇩, Azerbaijan 🇦🇿, Uzbekistan 🇺🇿, Armenia 🇦🇲, India 🇮🇳, Philippines 🇵🇭, Ghana 🇬🇭, Turkey 🇹🇷, Senegal 🇸🇳, Morocco 🇲🇦, Cameroon🇨🇲 and many other countries around the world.

Ukraine 🇺🇦
• Affordable transfers in PLN currency
• Instant delivery to cards of all Ukrainian banks:
Privatbank, Monobank, A-bank, Oschadbank, Ukreximbank, Ukrsibbank, Ukrgasbank, Kredobank, OTP Bank, Pivdenny, PUIB and many others;
• Pay from Poland using BLIK code or any Polish bank card;

• Send money with every debit or credit Visa, Mastercard, Maestro, bank account, Klarna/Sofort or Google/Apple Pay.

🔐 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 20€ 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 +48 791 391 219
Customer Support working hours are from 8:00 to 00:00 (CET)

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 1.000.000+ happy customers right now