Spice Money


  • At Spice Money, we are committed to bridge the digital divide between urban & rural India by providing basic banking & financial services to everyone – securely and instantly. Spice Money’s innovative banking solutions and extensive reach offer services like Cash Deposit, Money Transfer & Cash Withdrawal to the under-banked population of India through our strong Adhikari network.

AePS (Aadhaar Enabled Payment System)

This service empowers the customer to use Aadhaar as a proof of identity to access the Aadhaar enabled bank account and perform basic banking transactions like withdrawals, balance enquiry, and mini statement. These transactions can be easily done using a secure Biometric Scanner which is available at our Spice Money customer service point.


Money Transfer (DMT)

Spice Money has a robust intra and inter-bank transfer and IMPS facility, with the help of which our Adhikaris can help customers remit funds across a large network of banks or geographical locations in real-time. This is a secure money transfer process – thanks to the multiple authentication levels. Spice Money Wallet is an RBI approved semi-closed PPI wallet linked to the sender’s mobile number which is highly secure.


Cash withdrawal through Mini ATM

ATMs often pose problems such as long queues and waiting times, technical glitches, and in some instances even lack of cash. With the Spice Money Mini ATM, a local Kirana store can now become an ATM center that can provide basic ATM services such as cash withdrawal and payments. All types of debit cards can be used for cash withdrawals, and all type of debit & credit card for payments can be used in the Spice Money Mini ATM.


UPI Cash

With the Spice Money UPI Cash Adhikaris can provide cash withdrawal services to their customers for up to Rs.1,000 (in a single transaction) by generating a QR Code, which can then be easily scanned by the customer through their UPI mobile app. This system of cash withdrawal is fast and easy, and customers can quickly withdraw cash without having to visit their bank or without their Aadhaar cards. Adhikaris earn high commission on every cash withdrawal transaction. This service is completely free of cost for the customer.



With the Spice Money mPOS service, Adhikaris can accept payments from customers using bank Debit & Credit cards. Payments through all major cards like RuPay, Master, Visa, and Maestro are accepted under this service. Adhikari can also provide cash@POS services and earn commissions.


Aadhar Pay

Spice Money Aadhaar Pay allows Adhikaris to accept cashless payments from their customers, simply with the help of their Aadhaar number and fingerprint scanner. This system of fast and secure seamless payment management service gives both customers and Adhikaris the freedom from day-to-day cash management.


Prepaid Card

Prepaid Card gives our Spice Money Adhikaris an additional avenue to earn more. Spice money all its SMAs co-branded open loop prepaid cards which SMAs can then use to purchase items online or pay bills.

  • Using Spice Money Payment Solutions, our Adhikaris can accept payments using either customer’s debit card or a QR Code which can be scanned by an Android Smartphone. The payment methods are robust, efficient and secure, allowing the Adhikari to earn attractive commissions with every transaction.


Cash Collection Point

Spice Money Cash Collection Point gives all Adhikaris a new way to expand their business and earn more. Spice Money branches are now Cash collection points for customers/ Bank representatives of companies associated with Spice Money/ Representatives of agents wherein they can visit the shop and deposit cash. The service is free for Adhikaris and is aimed to increase your customer base.



Spice Money enables its Adhikaris to accept payments for all utility bills such as water, electricity, Gas, DTH, Broadband, and Mobile phones through the Bharat Bill Payment System (BBPS). In the coming months, customers will also be able to recharge and top up their entertainment apps such as Hotstar, Amazon Prime, Sony Liv, ZEE5, etc.

  • Spice money offers a host of other services like payment of utility bills and mobile phone recharge capabilities for its customers. The customers can walk into any of their local Spice Money branch and avail these services from their Spice Money Adhikaris.


Biometric Devices, Printer

Adhikaris can buy biometric devices and printers from Spice Money to carry out seamless operations and to provide hassle-free services to their customers


Pan Card Services

Spice Money Adhikaris can now get a new PAN card made or get an existing one updated through authorized government channels. Our strong and secure network provides seamless service, making the whole process quick and hassle-free for our customers.

  • Spice Money provides a gamut of travel services including flight/train/bus tickets and hotel booking – all under one roof. These services are reasonably priced, are reliable and comprehensive. This service allows our customer service points (CSPs) to turn into a hub for all your travel needs.


Train Booking

Spice Money is an authorized IRCTC partner which allows us to book train tickets through our customer service points for any destination in India. Our user-friendly interface enables Adhikaris to book tickets quickly & make the whole process hassle-free for customers.


Flight Booking

We provide Domestic and International Flight ticketing solutions for a range of combinations. The service provides the best routing options and a dedicated customer service team for all your queries . Through a single travel management interface, our Adhikaris can instantly book and confirm flight tickets for their customers.


Bus Ticket

Spice Money has partnered with over 700 tour & travel operators across the country which helps us get high visibility of available bus tickets for a journey of your choice. Our Adhikaris can instantly book and confirm bus tickets for their customers.


Hotel Booking

With the help of our partnerships with hotels & travel agencies, we have access to hotel room inventory across India for all budgets and categories. Our SMAs can book hotel rooms instantly at discounted tariffs.

  • Spice Money Bada Bazaar is an effort to provide eCommerce facilities to our customers. Through the Spice Money Bada Bazaar customers can visit their SMAs and purchase products from platforms such as IFFCO and Amazon. Adhikaris have an opportunity to earn commissions with every order placed through them on these platforms.


Spice Money has collaborated with IFFCO to create ‘IFFCO eBazaar’. The IFFCO eBazaar is the largest digital market selling agricultural products and get them home delivered. Farmers place the order with their respective Spice Money Adhikaris. Through the IFFCO eBazaar the Adhikaris get an opportunity to build an eCommerce business with zero investment. They also stand to earn attractive commissions and deals with every order placed with them.


Amazon Easy

The Amazon Easy is a branch of the Spice Money Bada Bazaar wherein customers can visit their nearest SMA and order products from Amazon.

  • Spice Money Suraksha is an insurance policy for customers which the latter can avail through Spice Money Adkhikaris.


The Spice Money Hospicash was introduced to help those customers meet their hospitalization expenses who have had to face a loss of regular income. It’s a kind of health insurance wherein the customers can access a fixed sum of money during their hospitalization, so that they can focus on their health while Spice Money helps you with your loss of income/wage during the time.

  • Spice Money loans enable Adhikaris and customers to avail attractive loans at lower interest rates. Spice Money Loan service is secure as loan are provided by trusted banks and financial institutions. The loans fast and easy and doesnt extensive paperwork

Grahak Loan

Spice Money Grahak loan is a loan made available for Spice Money Adhikaris to offer to their customers. Through the Grahak Loan, they can provide various types of loans to their customers as per their requirements. Customer on the other hand can avail instant loans from trusted Banks/NBFCs at low interest rates. They will not be required to show any proof of identity for this, and thus unnecessary reduces paperwork.


Adhikari Loan

Spice Money Adhikaris can access secure loans at low interest rates from trusted banks and NBFCs instantly.