Getting started
Opening an account, step by step.
A general outline of what to expect when applying, from your first details to using your account, subject to eligibility and verification by our licensed partners.
Create your profile
Tell us who you are and where you are based.
A few minutes on your phone or laptop — name, address, and how you plan to use your account.
You'll need
- Email address
- Phone number
Verify your identity
Complete identity checks required by our partners.
A valid ID and a short liveness check confirm it's really you before anything is issued.
You'll need
- Passport or national ID
- Selfie / liveness check
Application review
Your application is reviewed against eligibility criteria.
Most reviews move quickly, though some may take longer if extra verification is needed.
You'll need
- No further documents unless requested
Start using it
Access your account once verification is complete.
Fund your account, order a card and start sending money once you're approved.
You'll need
- Funding source for first deposit
Requirements checklist
What you may need to have ready
Requirements vary by country and account type; you may be asked for some or all of the following.
Proof of identity
A valid passport or national identity document.
Proof of address
A recent utility bill or bank statement, where required.
Selfie verification
A short liveness check to confirm it is really you.
Contact details
A verified email address and phone number.
Tax information
Basic tax residency details, where applicable.
Additional checks
Further documents may be requested in some cases.
Timing expectations
How long each stage usually takes
Estimates only — no timeframe is guaranteed, and some applications require additional review.
Create your profile
Depends on how quickly details are entered.
2–5 min
Verify your identity
Image quality and document type affect speed.
5–10 min
Application review
Extra checks are triggered by certain risk profiles.
Minutes to 2 days
Start using it
Card delivery timing varies by location.
Immediate
Verification
Documents are checked for authenticity using automated and manual review, and repeated periodically.
Common delays
Incomplete documents, mismatched details or unclear expected activity can slow things down.
Need help?
Visit our help centre or check eligibility before you apply for a clearer picture.
Ready when you are
Begin your application in a few minutes.
Subject to eligibility and verification by our licensed partners.
Spuke is a financial technology platform. Account, payment, card and currency services may be provided by licensed financial institutions and programme partners. Product availability is subject to eligibility, verification and partner approval.
Need more information? Visit our help centre.