Questions? Find all your answers here. If anything slipped past us please contact [email protected] and we’ll get back to you as soon as we can!


Why should I use Virgin Money Spot?
Spot is the easiest way to send money to people you know. From your card account to their card account, there is no other service in South Africa that is as simple, safe and social as Spot.

How does Virgin Money Spot work?
Spot securely facilitates card to card mobile payments, enabling you to send money from your card account straight to your friend’s card account. All you have to do is register & link your debit/cheque or credit card upon your first transaction, then voila! You can send money to anyone with a South African card account by using their cellular number.

How do I get the Virgin Money Spot app?
You can download Spot for free from the iOS or Google Play stores by searching for “Virgin Money Spot”. Download, install and find joy in the simplicity of “spotting your friends”.

How do I register?

    • Enter your South African cellular number.
    • Enter the one-time verification PIN that was sent to you.
    • Upload a photo to personalize your account.
    • Fill in your name, surname, and email address.
    • You’re done – it’s that simple!

Can I use Virgin Money Spot on multiple devices, like my tablet?
No, for your own security you cannot log into your account on multiple devices.


What is 3D secure?
3D secure is a method of security mandated by the Card Associations to enhance the security of online transactions. 3D secure authenticates that the person loading the card is the owner of the card. This is done by requesting information from the user that is loading the card that could only be completed by the cardholder them self, like sending an OTP to the cardholder’s mobile number.

Spot does not have control over the 3D secure process as it is a Bank administered system. You can find out more about 3D secure by visiting

Which cards does Virgin Money Spot support?
Spot supports the use of debit, cheque and credit cards which are enabled to transact online. Your card will also have to be able to go through a 3D secure process. Spot does not support the use of international cards.

If you are having trouble loading your debit card, please contact your bank and request internet transacting and/or 3D secure capability on your card.

You can read this article to find out more about the difference between internet transacting and 3D secure enabled cards and how to go about enabling these features at your bank.

Why does 3D secure ask me to pay ZAR 1.00 (R1) TO WIGROUP1?
In order to authenticate and validate whether your card is valid, the 3D secure process reserves R1 for the merchant on your behalf. Please note that the funds are never deducted from your account. The transaction is simply a test transaction and will never result in R1.00 being deducted to pay WIGROUP1.

Can I load two cards or more at the same time?
You can only have one card linked to your cellular number at a given time. To load a new card simply go to Menu => Account Settings => Card Details.

How much does it cost me every time I Spot someone?
Spotting someone is free.

What if my friend isn’t registered on Virgin Money Spot and I want to send them money?
Your friend will receive an SMS with a unique link that, when opened, will do one of two things:

  • If they are on an iOS or Android device they will be directed to their appropriate store to download the app.
  • If they aren’t using a supported device they will be taken to a mobile site where they will be able to claim their funds.

How long will it take until my friend can see the cash in their account?
The transaction is processed immediately and then it will take around 1 – 2 working days for the money to reflect in their card account.

If the recipient of the payment hasn’t registered or loaded a card on Spot we give them 7 days to do so until we send the money straight back to you.

Is there a limit to how much money I can send?
Yes, you can send up to R2000 daily, and R10 000 monthly. You cannot transact more than these limits.

How do I know my friend got the money?
You’ll receive an email notification from Spot the moment you make a payment. Depending on the banks you are with this may take around 1 to 2 working days. You can also view the status of your transaction within the app. One black tick means your payment has been made but not received. Two blue ticks mean the payment has been successful and funds will settle in 1 to 2 working days.


Is Virgin Money Spot safe?
Yes. Spot uses the highest level of encryption and authentication mechanisms to make sure your personal information is kept secret at all times. We don’t take chances with security.

What safety precautions can I take to safeguard my Virgin Money Spot account?
Obey the golden rule, never share your pin with anyone, including Spot employees.


How does the referral mechanism work?
Each time someone registers using your unique referral code you will receive R20 and so will they after they link a valid card.

To find your unique code go to Menu => Refer & Earn and your code will be there for you to share to any platform you like.

Is there a limit to how much money I can earn by inviting friends?
Nope, the more friends you invite, the more money you make!


I want to delete Virgin Money Spot, how do I do that?
You can simply delete the app from your device at any time. We keep your profile secure in our database so that whenever you want to download and use Virgin Money Spot again you will simply login and avoid re-registering.


Can anyone use Virgin Money Spot?
Anyone who has a valid South African cellphone number and internet banking capable debit, cheque or credit card can use Spot.

Does my money live in the app?
No, Spot is not an e-wallet. Money is transferred between you and your friend and does not live within Spot.

Can I use Virgin Money Spot in a store?
We’ve built Spot so that it’s easy to pay and receive money from your friends without using cash. Spot is not intended to be used to pay for goods or services.

Need help?

I haven’t received my verification code, what’s wrong?
It could be that your verification SMS is delayed due to network problems with your service provider or you have entered an incorrect mobile number. If the problem persists, please send an email to our customer support team at [email protected].

I accidentally spotted the wrong person. Can I cancel or reverse a spot?
No, we can only recommend that you contact the person who you mistakenly sent the funds to and kindly ask them to Spot you back #PayBackTheMoney 😉

To avoid mishaps, please make sure that you double-check the contact you’re Spotting before entering your pin to confirm payment.

I forgot my pin, what do I do?
If you’re logged into the app, simply go to Menu => Account Settings and then click on “Forgot PIN”. If you’re not logged into the app you must go through the login process and can click on “Forgot PIN” on the Enter PIN screen.

If we can assist you with anything else please don’t hesitate to get in touch with our support team at [email protected] and we will get back to you as soon as we can!