Short Answer - No. Topping up your Spot account via EFT is completely free. With this said, it's important to note that EFT top-ups can sometimes take 1-3 business days to reflect in your Spot account. For a free and instant top-up experience we'd highly recommend topping up using the Ozow EFT top-up option. If you'd like to find out more about Ozow, take a look at these FAQs.