Spondula Online Bank Account & Payment App

Pay, Receive & Bank Internationally

Spondula is a world-first online bank account and payment app that empowers its customers with fast, reliable and real-time banking solutions. By downloading the Spondula payment app to your smartphone device and signing up for a personal or business online bank account, you can send, receive and bank around the world with ease.

As an international bank transfer solution, Spondula makes it easier than ever to take control of your finances and thrive in our digital-first world, which is now more connected than ever before. Pay for goods and services in your hometown or overseas, transfer funds to business connections or family and friends while travelling, and receive payment in real-time.

Fast, affordable, secure, and innovative!

Sign up for a personal online bank account in less than 15 minutes here.

Set up a business online bank account and start trading worldwide on the same day.

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An All In One Online Bank Platform.

Let’s take a look at what makes Spondula a global first as a payment app and online banking solution.

Pay: International Bank Transfer

Thanks to the rise of remote work, ease of international business and our reliance on e-commerce, there is a growing demand for international bank transfers. Paying for goods or services overseas is now part of daily life, but traditional banks are still making this process complicated, confusing and expensive. Spondula aims to simplify international bank transfers by introducing a smart payment app that allows customers to securely transfer funds abroad. Rather than face expensive fees and long delays, use the Spondula payment app to pay someone in a different country instantly. As long as both people have the Spondula payment app, money can be conveniently transferred from one online bank account to another in real-time.

To pay for goods and services or to settle a bill, simply use the Spondula payment app. You can also shop online using your Spondula Visa card, or connect existing bank account cards from your regular bank, to your Spondula online bank account and conveniently use Spondula with Apple pay and Google pay.

Spondula is now available in 63 countries. Should you need to pay someone in a country, not on our list, you still can using Swift message.

Receive: Online Bank

Spondula has been designed with a customer-first approach. Our payment app is easy to use and instantly transfers funds from one Spondula online bank account holder to another. No more waiting around and checking your bank account while expecting funds to arrive from overseas. Since many people now work and trade on an international scale, our payment process also allows you to convert money received from abroad into your local currency. Perfect for freelancers, digital nomads and working while exploring the world!

Talking of travelling, should you need to send money overseas to a family member or relative, or send money back home while working in a different country, you now can thanks to Spondula. A fast, easy and cost-effective way to financially support loved ones and save up money while away from home.

Bank: Secure Payment App

Spondula is available for personal banking needs as well as businesses that trade on a global scale. Since you can hold up to 37 currencies in your online bank account, it is an ideal alternative to a traditional bricks and mortar bank. The Spondula payment app is also available in 10 languages, helping break down communication barriers when banking online.

Spondula takes security very seriously and works hard to protect its customers from online scams and cybercrime. Should you suspect suspicious activity in relation to your personal or business online bank account, please contact our team immediately.

Unlock the power of Spondula by signing up for a personal or business bank account today!

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Spondula For Personal Online Banking

When you sign up for a personal Spondula online bank account, you will benefit from:

A fast and easy online sign-up process
100% free instant payment app that allows you to send money to other Spondula account holders
Pay for goods and services instantly
Enjoy the ability to exchange currencies with more competitive wholesale rates
Hold up to 37 different currencies in your account
Multi-currency card to pay for goods and services overseas
A secure payment app available in 10 languages

Sign up in just 15 minutes now

Spondula For Business Clients

Spondula helps businesses pay, receive and bank on an international level with a fast and affordable alternative to traditional bricks and mortar banks.

Open a business online bank account within 24 hours
Start trading overseas on the same day you sign-up
Pay for goods and services abroad instantly
Set up domestic and international payments in 37 currencies to over 180 countries
Cash flow optimisation by receiving funds in real-time
Hold up to 37 different currencies in your account
Multi-currency card to pay for goods and services while overseas
Access competitive wholesale rates for converting currency online
A secure payment app available in 10 languages

Sign up for a business online bank account now

Coming Soon For Spondula Customers

Spondula continues to innovate by updating and expanding its wide range of features on a regular basis. Here’s what’s coming soon for Spondula customers.

In the next 12 months, Spondula online bank account holders can expect to see the following new and exciting features:

Blockchain Gold

You will soon be able to buy and sell physical gold over a private blockchain. Spondula is currently developing a new feature that will allow its customers to pay and receive gold from other Spondula customers. You will be able to exchange gold for currency and currency for gold instantly.

Credit Lines

Customers will also be able to apply for a credit line on their account in certain markets. The credit line feature will be for both card transactions and transfers. Similar to a credit card, the Spondula credit line will grant customers 28 days to pay their bill monthly or be subject to interest. By taking advantage of this new feature, customers will also be given exclusive offers from retailers connected to Spondula to buy discounted goods over 3, 6 and 12 months interest fee!

QR Codes

Soon to be launched, QR codes will make paying for goods and services easier still and especially from third parties. Use a QR code for both online and offline transactions. Customers will be able to visit Spondula Agency to pay in cash or take cash out from an account.


That’s right, Spondula will soon be offering their customers the opportunity to buy insurance. This will apply for travel, home and car insurance, with payments being made via the payment app and only in certain markets.





Spondula Ltd
62-66 Deansgate, Manchester, United Kingdom, M3 2EN
Spondula, UAB
Vilnius, Girulių g. 10-201, Lithuania


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