Customer FAQ

Nothing! Spendr is totally free to use for consumers.  Plus, you can earn rewards and money back to spend at other Spendr merchants.

Yes it does! Spendr operates as a digital wallet allowing you store and hold funds until you are ready to make purchases through the Spendr App and earn rewards. Your funds are held in an FDIC-insured account with each individual wallet receiving pass through FDIC-insurance. 

Spendr can be used at our merchant partners, which you can find on the “Store Locator” page within the app. We are currently in Beta so locations are temporarily limited, but we will be adding more partners very soon!

You must deposit at least $10, and can only load in increments of one dollar.

$1,000 a day, $3,000 in a month

You link your bank account to the Spendr app and load money with a single click via ACH onto your Spendr wallet. At the point-of-sale, the merchant will display a QR code for you to scan and then prompt you to confirm the payment.  

If your QR code scanner is not working, the merchant can also send you a payment request via the phone number associated with your Spendr account. Once that request is received, it will appear within your app and prompt you to confirm the payment. 

1) In the Spendr App, click the menu at the top left of the home screen, then select “Deposit”

2) “Add a New Bank” if you haven’t already, and follow the steps via Yodlee to securely link your bank to your FDIC-insured Spendr Wallet.

3) Once your bank account is linked, return to the “Deposit” page, click on “Deposit” and enter the dollar amount you would like to load into your Spendr Wallet.

Please note, once you load funds into your Spendr Wallet, they can only be used at our Spendr merchant partners (visit the Store Locator page in the app to see all available locations).

Absolutely! We know how important your funds are and the sensitive information you’re sharing with us. Your funds are stored in an FDIC-insured wallet with each Spendr Wallet receiving pass-through insurance coverage. 


Also, all information and data are fully encrypted both in storage and in transit. We’ve also structured our payment mechanism so that you manually verify every payment before sending money.  

Currently, users are not able to manually enter bank routing information, you can only link your bank account via Plaid in the Spendr App.

If you don’t see your bank, please contact our support team to let us know and we will work on adding them to our list of banks.

To stay compliant with Federal law, we are only able to link directly to bank accounts. At this time, Cash App, Venmo, PayPal, etc. do not allow linking for regulatory purposes.

Please contact us via our support page so we can identify the problem and assist you.


You will receive your $25 reward as soon as your bank account is linked successfully through Plaid. If you do not receive the $25 reward instantly, please reach out to support at (513) 440-1590 or email us at [email protected]

Any funds, including rewards, will only be usable at Spendr approved merchant locations. These locations can be found via the app on the store locator tab.