Introducing Spark by Absa - an innovative new bank account that lives on your phone. Download the Spark by Absa App or access it on USSD *229*2#
  • 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
Download the Spark App and start cost-effective banking

 

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Step-by-step help guides for your Spark Wallet 

  • How to top up your Spark wallet

    1. Launch the app and log in
    2. On the home screen, click on on your wallet balance
    3. Click on ‘Deposit’
    4. Click on ‘Deposit from’ and select ‘Bank card’ or ‘Bank account’ (if you have an Absa linked bank account)
    5. If depositing from your bank card, click on ‘From card’ and select the card to use for the top-up transaction
    6. Enter the amount you want to transfer into your wallet and click ‘Continue’
    7. Confirm the transaction details and click ‘Make payment’
    8. Enter the received OTP and click ‘Continue’
    9. 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

    1. Launch the app and log in
    2. Select 'Send Money' on the home page
    3. Select ‘Make a new transfer’
    4. Enter the mobile number to which you want to transfer funds and the amount you want to transfer
    5. Confirm entered details
    6. Enter your wallet PIN
    7. Enter the OTP sent to your registered mobile number 

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

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

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

    1. Launch the app and log in
    2. Select ‘Wallet balance’ from home screen. 
    3. ‘Withdraw & Deposit’ will display on the wallet overview screen
    4. Select ‘Withdraw’ and the withdraw screen will be displayed
    5. Click on ‘Withdraw to a bank account’
    6. Select whether to withdraw to a linked bank account or a third-party bank account
    Withdraw to linked bank account: 
    1. If you would like to withdraw to a linked bank account, select ‘withdraw to linked bank account’
    2. Select the account to withdraw from, enter the value you’d like to withdraw and click ‘Continue’
    3. Confirm the transaction details and click ‘Withdraw’
    4. Enter your wallet PIN and conclude the transaction
    Withdraw to non-Absa bank account:
    1. If you would like to withdraw to a non-Absa bank account, select ‘withdraw to Third party bank account’
    2. Enter the ‘Beneficiary name’
    3. Select the ‘Bank’, and then enter the ‘Branch code’, ‘Account number’, and 'Amount' and then click ‘Continue’
    4. Confirm the transaction details and click ‘Continue’
    5. Enter your wallet PIN and conclude the transaction 

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

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

  • How to buy airtime

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

  • How to pay a bill

     
    1. Launch the app and log in
    2. Click on the ‘Bill payments’ option on the menu screen
    3. Select biller from the displayed beneficiary list or click ‘Pay new biller’
    4. To pay a new biller, enter the ‘Biller ID’ and ‘Account number/reference’
    5. Select whether to add to beneficiary list and provide beneficiary name, and click ‘Continue’
    6. Enter the amount to pay and click ‘Continue’
    7. Confirm the details and click ‘Continue’
    8. Enter your wallet PIN and click ‘Continue’
    9. A success message is displayed. Click ‘Done’ to conclude the transaction 

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

    1. Click on the ‘Mobile Sales’ option on your POS device
    2. From menu, click on ‘Mobile Sale’
    3. Enters 'Mobile Sale Amount' and click 'Continue'
    4. The customer must now enter his/her phone number and click 'Continue'
    5. The customer must enter his/her 4-digit wallet PIN on the POS device
    6. You can now click continue on your POS devide
    7. Once the transaction is successfully processed, a successful notification is displayed on the POS
    8. POS terminal will generate a receipt for both merchant & customer
    9. Both the merchant and customer will receive notifications via sms/email
    10. 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

    1. Merchant clicks on the ‘Mobile Sales’ option on his POS device
    2. From menu, Merchant clicks on ‘Mobile Deposit’
    3. Merchant enters Mobile Deposit Amount & click on Continue (the Merchant receives physical cash from the Customer)
    4. Customer enters the Customer’s Phone No. for Mobile Payment & click on Continue
    5. Customer enters his 4-digit wallet PIN on the POS device
    6. Merchant clicks on continue
    7. The transaction is successfully processed, and the merchant is displayed the successful notification on POS
    8. POS terminal shall generate a receipt for both merchant & customer
    9. Both Merchant and customer will receive Notifications via sms/email
    10. 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

    1. Merchant clicks on the ‘Mobile Sales’ option on his POS device
    2. From menu, Merchant clicks on ‘Mobile Withdrawal’
    3. Merchant enters Mobile Withdrawal’ Amount & click on Continue
    4. Customer enters the Customer’s Phone No. for Mobile Payment & click on Continue
    5. Customer enters their 4-digit wallet PIN on the POS device
    6. Merchant clicks on continue
    7. The transaction is successfully processed, and the merchant is displayed the successful notification on POS
    8. POS terminal shall generate a receipt for both merchant & customer
    9. The Merchant hands over the cash to the customer
    10. 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

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

  • What auto-sweep is and how to configure it

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

  • What to do if you forget your Spark wallet PIN

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

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

Email us:
customerservice.zm@absa.africa