Smarter Money Tools for the Way You Earn, Spend and Save
8L+ Members
Spectrum brings your accounts, cards and payments into one calm place, so you can plan ahead and decide with confidence every day.
6.2 Lakh+Members across the country use Spectrum to pay, save and send money, and most tell a friend within a month.
- Instant transfers
- Custom cards
- Spending insights
- Multi-currency wallet
- Bank-grade security
- Round-the-clock support
- Instant transfers
- Custom cards
- Spending insights
- Multi-currency wallet
- Bank-grade security
- Round-the-clock support
- Instant transfers
- Custom cards
- Spending insights
- Multi-currency wallet
- Bank-grade security
- Round-the-clock support
- Instant transfers
- Custom cards
- Spending insights
- Multi-currency wallet
- Bank-grade security
- Round-the-clock support
Built for how you really use money
Spectrum gives people and small teams the tools to plan, pay and grow with ease.
A card that looks the way you want it to
Pick a base colour, add a pattern and place your initials. Your new card shows in the app the moment you finish.
Clear monthly reports and saving targets
See bills, income and spending side by side, set a target for each month and get a nudge when you drift.
Send money across borders in minutes
Pay people overseas from the same screen you use at home, with the full cost shown before you press send.
Keep balances in 25 currencies
Every renewal on one simple screen
Browse the rest of the toolkit
See all toolsThe story behind Spectrum and its team
Milestone
Half a million cards issued
Members
Rated highly for support
We are building the money app we always wanted: honest fees, beautiful cards and tools that help you save without thinking about it.
612612K
Members paying with Spectrum each month
₹3838Cr
Moved between members every week
9494%
Payments settled within one minute
Financial services built for everyday life
From your first account to growing a business, everything you need sits in one simple app.
International transfers
Send money to 60+ countries at the real exchange rate, fee shown upfront.
Learn moreBusiness banking
Invoices, payroll and team cards in one place, with accounting sync built in.
Learn moreOpen your account in four easy steps
No paperwork and no branch visits. Most people are up and running in under ten minutes.
- 01
Download the app
Get it free on iOS or Android and sign up with your number.
- 02
Verify your identity
Snap a photo of your ID; checks finish in about 3 minutes.
- 03
Design your card
Pick a colour and pattern; your virtual card is ready instantly.
- 04
Start spending
Add money, set budgets and pay anywhere in 150+ countries.
Hear from members who switched their everyday money to Spectrum
I used to keep three apps and a notebook to track my freelance income. Now it all sits in one place, and I finally know what I can spend each week without worrying.
Opening an account took minutes, and the spending insights helped me save for my first home a whole year sooner than I planned.
Sending money to my family abroad used to take days. Now it is done in a few taps, and I always see the fee before I confirm.
Everything you want to know before you start
Quick answers about accounts, cards, transfers and keeping your money safe.
How long does it take to open an account?
Most people are up and running in under five minutes. You only need a valid ID and a phone number.
Are there any monthly fees?
The Free plan has no monthly fee. You only pay a small processing fee when you take a payment.
Can I send money abroad?
Yes. You can send money to more than 60 countries and always see the exact fee before you confirm.
How is my money protected?
Every payment is encrypted end to end, and our fraud team watches for anything unusual around the clock.
Can I freeze my card from the app?
Yes. Freeze and unfreeze your card in one tap, and order a replacement straight away if it is lost.