SPENN is a mobile banking app that offers fee-free transactions for sending and receiving money. The app's main focus is to provide a better kind of mobile banking to its users. With SPENN, users can send money to their family and friends without paying fees. Additionally, users can request money from people who owe them, pay bills with no fees, buy local and international airtime, and save money using the SPENN Supersaver account which earns 4% interest on savings. SPENN  allows users to pay in stores instantly without added fees and top up their accounts with SPENN agents, bank branches, and business partners. SPENN offers merchants a point-of-sale solution, access to more customers, and digital receipts for all sales to SPENN customers.