Virgin Money Spot lets you pay friends by selecting them from your contact list or entering their phone number. You can pay friends from your Spot Wallet or directly from your linked credit card. All money sent is paid into your friend’s wallet. A Spot Wallet can be cashed-out in whole or in part at any time.

To get started just register and link your online enabled card or bank account. Voila – you can send money to anyone with a South African bank account. You just need their cell phone number.