Send and receive money and make transfers, and only pay as you go.

Pay bills and buy airtime quickly and easily, whenever you need to.

Do instant cash withdrawals from your wallet at
any Absa ATM.

Transfer cash from your digital wallet on Spark by Absa into your bank account.

Make QR payments to selected retailers or other Spark by Absa users.

Introducing a new free'er way to bank

Join the branch free generation today and only pay for the transactions you make.
Download the Spark by Absa App or access it on USSD *229*2#

Google play for android - logo
Digital wallet help guides
Getting started

Register and download the app, add your bank card and link your bank account.

Tell me more

Everyday banking

Top up your wallet, send, receive or withdraw money, pay bills and buy airtime. 

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Banking for merchants

Use your wallet with POS, receive QR payments and refund customers.

Tell me more

Managing your account

Auto-sweep your account, change your PIN and manage biometric authetication. 

Tell me more

Getting started

  • Register and download

     

    To register for Spark by Absa:

    • An Absa official will register you for the Spark by Absa wallet via our back-office portal. A one-time-pin (OTP) will be sent to your registered mobile number
    • Launch your mobile device’s app store (Google Play) and search for ‘Spark by Absa’ and download the mobile app
    • Launch the Spark app. Tap on ‘I am a merchant’
    • Tap on ‘Sign in’
    • Input the one-time-pin (OTP) received, Mobile number, and tap ‘Continue’
    • A message will be displayed requesting you to register your mobile device. Tap ‘Continue’ to register your mobile number
    • Create your Spark by Absa wallet PIN
    • Setup security questions
       

    You are now successfully registered and will be able to access your digital wallet anytime using your wallet PIN.

  • Add your bank card to your Spark wallet

     

    • Launch the app and login
    • From the menu on the top left of your screen select ‘Bank accounts & cards’ (click on ‘Bank card’)
    • Next you must enter card details (name on card, card number, expiration date, CVV number, and card nickname.) You can do this manually OR select the ‘Scan card details’ option
    • If you select ‘Scan card details’ you need to allow camera access
    • Place your debit card on a flat surface and capture the image of your card by lining the card up within the frame. This will automatically capture crad details
    • Any information that can’t be captured based on the image scan can be manually entered when prompted
    • Once the card has been verified, you will receive an OTP on your cellphone. Enter the OTP 
    • The card will be added once the OTP is verified 

  • Add your Absa bank account to your Spark wallet

     
    (Only applicable if you bank with Absa)
     
    • Launch the app and login
    • From the menu on the top left of your screen select ‘Bank accounts & cards’
    • Click on ‘Bank account’. If you bank with Absa your Absa bank accounts will be displayed. If you do not bank with Absa a message will be displayed advising you that there are no accounts to display
    • Your Absa bank accounts will be displayed
    • Click on ‘Link bank account’
    • Enter your Spark wallet pin
       

    You will now be able to top-up your wallet using the linked bank account, and you can withdraw your wallet funds into this account. You will be able to remove the linked bank account at any time. 

Everyday banking

  • What you can do

     
    You can use Absa Spark to: 
     
    • Send money Request payment 
    • Receive QR payments
    • Receive payments, do refunds, cash-in and cash-out on your point-of-sale devices (wallet-on-POS)
    • Auto-sweep funds into a specified account
    • Withdraw cash from any Absa ATM
    • Withdraw to your bank account (Absa or non-Absa) 
    • Buy airtime 
    • Pay a bill

  • How to top up your Spark wallet

     
    • Launch the app and login
    • On the home screen, click on on your wallet balance
    • Click on ‘Deposit’
    • Click on ‘Deposit from’ and select ‘Bank card’ or ‘Bank account’ (if you have an Absa linked bank account)
    • If depositing from your bank card, click on ‘From card’ and select the card to use for the top-up transaction
    • Enter the amount you want to transfer into your wallet and click ‘Continue’
    • Confirm the transaction details and click ‘Make payment’
    • Enter the received OTP and click ‘Continue’
    • Click ‘Done’ on the successful screen to complete the transaction
       

    You’ll be able to top-up your Spark wallet using any debit cards – Absa or those from other institutions. You may also top-up using your linked bank account if you bank with Absa 

  • How to send money from your wallet to another user's wallet

     

    • Launch the app and login
    • Select 'Send Money' on the home page
    • Select ‘Make a new transfer’
    • Enter the mobile number to which you want to transfer funds and the amount you want to transfer
    • Confirm entered details
    • Enter your wallet PIN
    • Enter the OTP sent to your registered mobile number 

  • How to ‘Request Money’ from my wallet to another user’s wallet

     
    • Launch the app and login
    • Select ‘Request Payment’ from the main menu
    • Click ‘New Request’
    • Enter the mobile number, beneficiary name, amount and description. Alternatively, you can select the beneficiary from your contact list
    • Confirm the details and select ‘Request Payment’ 

  • How to withdraw from your wallet and deposit it into your account

     
    • Launch the app and login
    • Select ‘Wallet balance’ from home screen. 
    • ‘Withdraw & Deposit’ will display on the wallet overview screen
    • Select ‘Withdraw’ and the withdraw screen will be displayed
    • Click on ‘Withdraw to a bank account’
    • Select whether to withdraw to a linked bank account or a third-party bank account

      Withdraw to linked bank account: 
    • If you would like to withdraw to a linked bank account, select ‘withdraw to Linked bank account’
    • Select the account to withdraw from, enter the value you’d like to withdraw and click ‘Continue’
    • Confirm the transaction details and click ‘Withdraw’
    • Enter your wallet pin and conclude the transaction

      Withdraw to non-Absa bank account:
    • If you would like to withdraw to a non-Absa bank account, select ‘withdraw to Third party bank account’
    • Enter the ‘Beneficiary name’
    • Select the ‘Bank’, and then enter the ‘Branch code’, ‘Account number’, and 'Amount' and then click ‘Continue’
    • Confirm the transaction details and click ‘Continue’
    • Enter your wallet pin and conclude the transaction 

  • How to withdraw cash at an Absa ATM from your Spark wallet

     
    • Launch the app and login
    • Select ‘Wallet balance’. ‘Withdraw & Deposit’ will display on the wallet overview screen
    • Tap on ‘Withdraw’ and the withdraw screen will be displayed
    • Select the value you’d like to withdraw from the dropdown menu in the ‘amount’ field then select ‘Cash out at ATM’
    • The confirmation details screen will display the withdrawal amount, withdrawal fee and your new balance
    • An OTP will be sent to your registered mobile number
    • Go to any Absa ATM and select ‘Cash Out via Spark wallet’ on the ATM screen
    • Enter the ‘cash out’ generated OTP
    • Once the OTP is authenticated, cash will be dispensed by the ATM 

  • How to buy airtime

     
    • Launch the app and login
    • Click on the ‘Buy airtime’ button on home screen
    • Enter the mobile number you want to buy airtime for. Alternatively click ‘Buy for myself’
    • Select the network provider, enter the airtime amount, and click ‘Continue’
    • Confirm the details provided and click ‘Continue’
    • A success message is displayed. Click ‘Done’ to conclude the transaction 

  • How to pay a bill

     
    • Launch the app and login
    • Click on the ‘Bill payments’ option on the menu screen
    • Select biller from the displayed beneficiary list or click ‘Pay new biller’
    • To pay a new biller, enter the ‘Biller ID’ and ‘Account number/reference’
    • Select whether to add to beneficiary list and provide beneficiary name, and click ‘Continue’
    • Enter the amount to pay and click ‘Continue’
    • Confirm the details and click ‘Continue’
    • Enter your wallet pin and click ‘Continue’
    • A success message is displayed. Click ‘Done’ to conclude the transaction 
Banking for merchants

  • How to make a purchase on Wallet-on-POS

     
    • Click on the ‘Mobile Sales’ option on your POS device
    • From menu, click on ‘Mobile Sale’
    • Enters 'Mobile Sale Amount' and click 'Continue'
    • The customer must now enter his/her phone number and click 'Continue'
    • The customer must enter his/her 4-digit wallet PIN on the POS device
    • You can now click continue on your POS devide
    • Once the transaction is successfully processed, a successful notification is displayed on the POS
    • POS terminal will generate a receipt for both merchant & customer
    • Both the merchant and customer will receive notifications via sms/email
    • The above transaction will debit the customer’s wallet account and credit the merchant’s wallet account

  • How to do Customer Cash-in on the Wallet-on-POS

     
    • Merchant clicks on the ‘Mobile Sales’ option on his POS device
    • From menu, Merchant clicks on ‘Mobile Deposit’
    • Merchant enters Mobile Deposit Amount & click on Continue (the Merchant receives physical cash from the Customer)
    • Customer enters the Customer’s Phone No. for Mobile Payment & click on Continue
    • Customer enters his 4-digit wallet PIN on the POS device
    • Merchant clicks on continue
    • The transaction is successfully processed, and the merchant is displayed the successful notification on POS
    • POS terminal shall generate a receipt for both merchant & customer
    • Both Merchant and customer will receive Notifications via sms/email
    • The above transaction will debit the Merchant’s Wallet Account and credit the Customer’s Wallet Account

  • How to do Customer Cash-out on the Wallet-on-POS

     
    • Merchant clicks on the ‘Mobile Sales’ option on his POS device
    • From menu, Merchant clicks on ‘Mobile Withdrawal’
    • Merchant enters Mobile Withdrawal’ Amount & click on Continue
    • Customer enters the Customer’s Phone No. for Mobile Payment & click on Continue
    • Customer enters their 4-digit wallet PIN on the POS device
    • Merchant clicks on continue
    • The transaction is successfully processed, and the merchant is displayed the successful notification on POS
    • POS terminal shall generate a receipt for both merchant & customer
    • The Merchant hands over the cash to the customer
    • The above transaction will debit the Customer’s Wallet Account and credit the Merchant’s Wallet Account

  • How to receive QR payments

     

    As a merchant you can use the Receive QR payments option to get money from other Spark wallet users. This allows the Spark wallet user to scan a QR code, which is a series of black dots containing the encrypted information about payment amount, payment account etc.
     

    • Click on the 'QR Pay' button on the home screen or the ‘Receive QR payments’ from the main menu
    • Request the customer to scan the QR code on your mobile device or the QR code on display in your store (this will require the customer to manually input the amount to pay). 
    • The customer will need to log into their Spark app and tap on ‘QR Pay’ on their home screen. The mobile device’s camera will be activated and the customer can scan the QR code, the customer enters the amount to pay and processes the transaction on their Spark app
    • You can also set the amount a customer must pay by tapping on ‘Generate your own amount’ on your merchant app. 
    • Enter the amount the customer must pay and tap ‘Generate code’. A QR code will be generated on the merchant’s Spark app for a customer to scan. 
    • The customer must scan the QR code using their Spark app and confirm the transaction. 
    • Once the scan is successful, you will see the beneficiary (customer) details and amount paid

  • How to refund a customer

     
    • Launch the app and login
    • Tap the ‘Refund’ button on the home screen
    • Enter the ‘Transaction ID/reference’, select a ‘Reason for refund’ from the dropdown list, ‘Type any remarks’ and tap ‘Continue’
    • Confirm the transaction details and tap ‘Confirm’. A success message is displayed. 
    • Tap ‘Done’ to conclude the refund
Managing your account

  • What auto-sweep is and how to configure it


    Auto-sweep automatically transfers wallet funds into a specified bank account, based on your
    pre-set limits.
     
    • Launch the app and login
    • Click on the ‘Settings’ option on the main menu
    • Click on ‘Auto sweep account’
    • The Auto sweeping screen will be displayed
    • Slide the ‘Enable auto sweeping’ toggle to enable auto sweeping (you can use the same toggle in future to disable auto sweeping)
    • Set the ‘auto sweep limits’, ‘daily sweep limit’, specify the ‘Account details’ and click ‘Continue’
    • Confirm the entered details and tap ‘Save details’
    • A successful message is displayed. 
    • Click ‘Done’ to complete the auto sweep configuration 

  • What to do if you forget your Spark wallet PIN

     
    • Launch the app
    • Click on ‘Forgot PIN?’
    • Answer the security question that you set during registration and select ‘continue’
    • You will receive an OTP on your registered mobile number
    • On the successful confirmation of the OTP, you will be asked to a enter a new PIN and to confirm the PIN
    • After this, you’ll be able to login

  • How to enable and disable biometric authentication

     
    • Launch the app and login
    • From the menu, select ‘settings’, then ‘enable biometrics’
    • Based on the device’s biometric authentication support (fingerprint or facial recognition) you will be given an option to enable or disable it
Need more help?

Call us on:
+260 (211) 366100 (available Monday to Friday from 08:00-16:45)
5950 (Toll free)

Chat to Abby on WhatsApp:
+260 (762) 969 977

Email us:
customerservice.zm@absa.africa