The Virgin Money Spot app lets you spot friends on your contact list. You can also enter their phone number. When it comes to sending them money, you can spot them from your Virgin Money Spot Wallet or from your linked 3D secure bank card. The cash you send goes straight into their Virgin Money Wallet. 

To get started, register and link your online 3D enabled card or bank account. Voila. Now you can spot anyone with a South African bank account. You just need their cell phone number.