I’ve been invited to opt in and have limited access. Why can’t I send money?

Last updated: February 03, 2026

If you’ve been invited to use pay/request, but your account doesn’t yet meet the eligibility criteria, you will have limited access. You can receive payments from eligible Spruce users, but you won’t be able to send or request money until you’ve met the full eligibility criteria.

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The Annual Percentage Yield (APY) is accurate as of 02/08/2026. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com.

I’ve been invited to opt in and have limited access. Why can’t I send money?

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