BYE WALLET. HELLO CONVENIENCE.

Digital Wallet

Add your Spero debit/credit card to your digital wallet to pay on-the-go with Apple Pay®, Google Pay®, or Samsung Pay®. How's that for convenience?!

Watch It In Action

digital wallet with spero debit card

Convenience + Security = Digital Wallet

By adding your Spero Debit Card/Credit Card to your Digital Wallet, you can use your phone to pay instead of your plastic debit card. Best yet, as an added-layer of protection, your card number and personal information are not stored. The card is given a unique Device Account Number that is used instead. You must approve each purchase with your device passcode or biometrics.

Add Your Card to Digital Wallet

Adding your card to Digital Wallet

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Apple Pay®

Check out with your Spero Debit/Credit Card with Apple Pay and enjoy the same great benefits you've always received with your card.

  • Open the Wallet app on your iPhone.
  • Tap the Add button in the upper-right corner.
  • Snap a picture of your Spero card, or enter the details manually.
  • Tap/hold the card and drag to the top of your card stack to make it your default card.

Where and How to use Apple Pay

When checking out in-store, place your phone near the card reader and authenticate your purchase with Touch or Face ID. When checking out in an app or online, choose Apple Pay and complete payment with Touch or Face ID.

adding debit card to google pay
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Google Pay®

Check out with your Spero Debit/Credit Card with Google Pay and enjoy the same great benefits you've always received with your card.

  • Open the Google Pay app on your phone.
  • Tap Payment and then Add.
  • Snap a picture of your Spero card, or enter the details manually.
  • Choose your Spero card and turn on "Default for in-store purchases" to make it your default card.

Where and How to use Google Pay

When checking out in-store, place your phone near the card reader. A check mark icon will confirm your payment is complete. When checking out in an app or online, select Google Pay and choose your Spero debit card when you tap on the Buy with Google Pay button.

adding debit card to samsung pay
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Samsung Pay®

Check out with your Spero Debit/Credit Card with Samsung Pay and enjoy the same great benefits you've always received with your card.

  • Open the Samsung Pay app on your phone.
  • Tap Add Credit/Debit Card.
  • Snap a picture of your Spero card, or enter the details manually.
  • Choose your Spero card to get the back of card view. Select "Set as Default Card" to make it your default card.

Where and How to use Samsung Pay

When checking out in-store, open Samsung Pay and tap Pay. Choose your Spero debit card and authenticate with your fingerprint, PIN, or iris scan. Hold your phone near the card reader to complete purchase. When checking out in an app or online, select Samsung Pay. Choose your Spero debit card and authenticate with your fingerprint, PIN, or iris scan.

Watch Digital Wallet in action.

Safe. Easy. Always a tap away.

Play Our beginnings Video

Digital Wallet FAQs

A Digital Wallet contains digital versions of your debit/credit cards that are stored in the wallet app on your mobile phone. It securely stores your payment info, allowing you to pay with your phone. (So, you don't need to carry your plastic cards around!) Simply enter and store your card/bank account information in your Digital Wallet and use your phone to pay for purchases.

Your Spero credit and debit cards can be added to your Digital Wallet.

Apple Pay, Google Pay, & Samsung Pay

Yes. Your actual card number is not stored on your device nor shared with merchants. Instead, the app assigns the card with a virtual card number – aka unique Device Account Number – that is used to process your payments. Your digital wallet can’t be used for payments without your authentication. So, your information is protected, even if your phone is lost or stolen. Once your card is added to a Digital Wallet, you will receive an email/letter that confirms your card upload.

A unique Device Account Number is a virtual card number assigned to your card when you place it into your Digital Wallet. This number may be visible on your receipt (in place of the last four digits of your physical card) and may be required by merchants for returns. The unique Device Account Number is listed in the card details within your digital wallet.

Call our fraud department as soon as possible. Click here for fraud department numbers.

If the multifactor authentication method used on your cell phone may have been compromised, you should report your card lost or stolen. Reporting your card lost or stolen renders the card useless in digital wallet, and the plastic card will no longer work.

Yes, you will need to update your card in Digital Wallet. The new card will have a new three-digit CVV code on the back of the card and a new expiration date.

No, there are no additional fees associated with using your debit card in digital wallet.

You can add your Spero card to your digital wallet after you receive your physical card in the mail and activate it.

Yes, you can use your card on your smart watch to make purchases. (How’s that for convenience!)

Yes, you can use digital wallet outside of the United States where it is accepted. However, cash back is not allowed on international transactions. Additional fees my apply.

No, you do not need to notify Spero Financial prior to traveling domestically. However, if you are traveling internationally, you must contact Spero Financial to add a travel note to your card.

Yes, you can add your Spero card to multiple Digital Wallets on devices that belong to you.

Depending on the type of device you have, there’s an option to edit, add, or remove your card from your digital wallet. In Apple Pay, tap on the card. At the top right, tap the three dot icon. Scroll down and select Remove this Card. In Google Pay, at the top left, tap Menu and then Payment methods. Tap the payment method you want to remove. At the top right, tap More. Remove payment method. In Samsung Pay, tap icon with three horizontal lines and then tap card. Select the card you want to remove, and then tap More options. Tap Delete card.
Some merchants may prompt you to enter a PIN when using your digital wallet in-store.

See All FAQs


Last, but not least:

Apple, Apple Pay, Apple Watch, the Apple logo, iPad, iPhone, Mac and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay and Android are trademarks of Google LLC. Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd. Samsung Pay is available on select Samsung devices.

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