Money between mates, sorted
Cover a mate. Get paid back. No awkward texts.
Spot Me keeps track of who covered who. It reminds them when it’s due and shows them exactly where to pay you, so you never have to ask twice.
Sign up with just your email. No passwords and no app store.
Hey Jess 👋
Needs you
In progress
- 🍕 Pizza night
- 🎟️ Concert tickets
- 🛒 Flat groceries
- 🚕 The Uber home
- 🎁 Group birthday gifts
- 🍻 A round at the pub
- ⛽ Road trip petrol
- 💸 “Spot me till payday?”
Lending a mate money shouldn’t cost you the mate
Most of us have been there. It’s only $30, but it’s been three weeks, and now you have to decide whether it’s worth bringing up.
Asking is awkward
Nobody wants to be the one who chases a friend for money, so most people let it slide and quietly stew.
Who owes who, again?
Between flat bills, dinners and tickets, the small stuff blurs together and adds up fast.
It’s easy to forget
Your mate isn’t dodging you. They just forgot, and a reminder from you can feel like an accusation.
Spot Me handles the awkward part for you. You agree on it once and the app does the remembering and the reminding, so you can keep things friendly.
How it works
Four steps from “I’ll get you back” to all square
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Add your mate
Scan each other’s SpotCode when you’re together, or send an invite link. Only friends you add can send you requests.
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Log the spot
Type in the amount, pick a payback day and you’re done. It works both ways: “they covered me” or “I covered them”.
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They say yes
Your friend accepts, or suggests a different amount or date once. Everyone agrees up front, so nothing comes as a surprise later.
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Paid back, all square
Spot Me sends the reminders. They copy your account number, pay you and tap “I’ve paid”. You check your bank and confirm it’s settled.
Friendly, not naggy
Reminders that go out for you
You both get a heads-up, timed so nobody forgets and nobody gets spammed. Once your friend says they’ve paid, the reminders stop for them and you get a nudge to confirm.
- −1Day before
A heads-up - 0Due day
Today’s the day - 1–7First week after
A daily nudge - +After that
A weekly check-in
Why you’ll like it
Made to keep money from getting weird
Reminders do the chasing
Friendly nudges by notification and email, sent to both of you automatically. You never have to be the one who brings it up.
Paying back takes one tap
When it’s time, your friend sees your account name and number with a copy button. No more “what’s your account number again?”
We never touch your money
Spot Me doesn’t take payments or hold your money, and it doesn’t need your card. You pay each other the way you already do.
Know where you stand
One screen shows what you’re owed and what you owe, broken down friend by friend. You don’t have to remember any of it.
No passwords, ever
Just enter your email and we send a login link and a 6-digit code. There’s nothing to remember and nothing to reset.
Works like an app
Add it to your home screen for a full-screen app with notifications. You don’t need an app store or a big download.
Questions
Good questions, straight answers
Does Spot Me hold or move my money?
No. You pay each other the way you normally would, usually a bank transfer. Spot Me keeps track of what’s owed, reminds you both and puts the account number right there to copy.
Does my friend need Spot Me too?
Yes. You both agree to every spot, which keeps it fair. Send them your invite link, or have them scan your SpotCode when you’re together. Signing up takes about a minute.
Who can see my bank account number?
Only a friend who owes you money, and only while they still have something to pay back. Nobody else can see it.
What if they can’t pay it back in time?
When a request comes in, your friend can suggest a different amount or date once before agreeing. If the date passes, the reminders keep coming at a gentle pace until it’s sorted. If they paid you in cash, you can mark it settled yourself.
Do I need to download anything?
No. Spot Me runs in your phone’s browser. Add it to your home screen and it works like any other app, notifications included.
Is this a loan company?
No. Spot Me is for everyday money between friends, up to $10,000 per spot. There’s no interest, no credit checks and no lender. It’s just a tidy record of who covered who.
Can I use it outside New Zealand?
Right now Spot Me is built around New Zealand bank accounts and NZ time, so it works best for Kiwis.
Stop chasing. Start spotting.
Set up in a minute with just your email, then invite the mates you spot most.