What if my friend doesn't have the Spot app?

First things first, you'll need to invite your friend to use the Spot app. This happens automatically when you Spot someone cash who doesn't have Spot. We'll SMS them a unique link to the relevant app store to download the Spot app. 

To Spot a friend who doesn't have the app: 

1. Tap the Spot icon at the bottom of your screen and hit Spot a friend.
2. Tap My phone contacts and find your friend's contact details. You can also search for them in the Find your friend field.
3. Enter the amount you want to pay them and then hit Next.
4. Choose a category (this is totally optional but it lets them know what the money is for) and hit Next.
5. Select which account you want to pay from and tap Next.
6. Do you see your payment details? Check they're correct and tap Pay to complete.
7. We'll send your friend an SMS with a link to download the app.
8. Once your friend signs up and gets FICA verified, the cash should be available in their new Spot account.