Right. Hit the ‘Spot’ button in the app. Select ‘Pay a Contact’. Now choose a contact from your contact’s list or enter their phone number directly into the contact field. Enter the amount you want to spot them and choose where you want the money to come from. Do you want to pay them from your Virgin Money Spot Wallet or your linked card? Next, feel free to tell them what the payment is for in the ‘What is this for?’ section. Hit ‘Pay’. Enter your PIN and ta-da, the money instantly appears in their Virgin Money Spot Wallet.