Spuke is a financial technology platform that brings accounts, cards, payments and currency tools into one interface, delivered together with licensed service providers.

Spuke is a financial technology platform. Regulated account, payment and card services may be provided by licensed financial institutions and programme partners.

Licensed financial institutions and infrastructure partners provide regulated services. The relevant provider depends on the product, currency and jurisdiction.

Create a profile, confirm your contact details and complete verification. Available services are activated once the compliance review is finished.

Supported countries depend on the product and partner. The availability page shows the current picture per country, currency and product category.

Supported currencies vary by market and product. You can review currency support on the availability page before applying.

Multi-currency balances may be available depending on your profile, country and the partner providing the account.

Statements can be generated from the account view for a selected period and downloaded as a file.

Timing depends on the documents provided and the checks required. Straightforward profiles are faster; some cases need a manual review.

Compliance rules require us and our partners to understand identity, ownership, business activity and the source and purpose of funds.

Typically incorporation documents, a registry extract, ownership structure, director and beneficial owner information and a description of the business.

Open the card in the app and use the freeze control. The card stops authorising new payments immediately and can be unfrozen the same way.

Yes. Limits can be set per card and adjusted at any time, subject to programme rules.

Card type and availability depend on the issuing partner and customer eligibility. Virtual cards may be available where physical cards are not.

Payments can wait on compliance checks, recipient details, cut-off times or the receiving institution before they settle.

Every payment has a status in the activity view, from processing through to completed or returned.

Business accounts can prepare scheduled and batch payments, subject to approval workflows and product availability.

Rates are indicative until you confirm. The rate, Spuke fee and any partner fee are displayed before confirmation.

Most conversions complete quickly, but timing can vary by currency pair, amount and provider processing windows.

Yes. Users can be invited with roles and permissions that define what they can view, prepare and approve.

Approval workflows let you separate preparation from approval, with rules based on role and payment type.

Secure authentication, multi-factor checks, device and session management, monitoring and encryption work together to reduce risk.

Freeze the affected card, review active devices and report the activity to our security contact immediately.

Pricing depends on the product, market and programme. The pricing page lists the categories; final fees are shown before you confirm.

Yes. Fees and, where relevant, partner charges are displayed before a payment or conversion is confirmed.

Check your device and network, then use the recovery flow. If access is still blocked, contact support so we can verify you safely.

Returns usually come from incorrect recipient details, a closed account or checks at the receiving institution. The funds are returned to your balance.

Use the contact page and choose the topic that matches your request so it reaches the right team.