Australia
activeKids and teens
- HQ
- London
- Fee
- Monthly per child / family plan
Spriggy
Australian prepaid card and app that teaches kids to spend.
Rate this app
7.2Solid
AlternativesOur take
Desk verdict
The Australian kids pick. GoHenry is the UK cousin.
Spriggy is an Australian kids’ prepaid Mastercard with a parent app. Balances are stored value, not ADI deposits. It exists in this register because ‘best kids debit card Australia’ is a real query cluster.
Spriggy lists Prepaid / stored value under AU stored-value / partner in Australia. On safeguarding we currently write: Stored-value, not FCS bank deposits. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Subscription per parent plan; FX Not a travel product; ATM Usually blocked or limited for kids. This desk would open it for: Australian families who want a prepaid card instead of cash pocket money.
What it does well: Local leader; Controls; App both sides. What to watch: Subscription; Not a bank; AU-only. Desk score 7.2 / 10 (safety 7.8, fees 7.2, features 8.2, app 8.6). Last verified 2026-08-01. Headquartered in Sydney, Australia; founded 2016. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: Australian families who want a prepaid card instead of cash pocket money.
Pros
- +Local leader
- +Controls
- +App both sides
Cons
- −Subscription
- −Not a bank
- −AU-only
How it actually works
- Custody
- Safeguarded or partner-bank
- Local rails
- In-app ledger
- Built for
- Kids / teens
- Settlement
- App-ledger instant; bank rails per corridor
- Review risk
- Fintech reviews can pause inbound while they check a transfer
- Pay surface
- mastercard · physical · virtual · Apple Pay · Google Pay
Safety
Stored-value, not FCS bank deposits
- AU stored-value / partnerPrepaid / stored value · Australia
Fees
- Monthly
- Subscription per parent plan
- FX markup
- Not a travel product
- ATM
- Usually blocked or limited for kids
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- ✓Kids
- –Halal
- Kids Mastercard
- Chores and allowance
- Parental controls
- Savings goals
Score
- Safety25%
- 7.8
- Fees20%
- 7.2
- Features15%
- 8.2
- App15%
- 8.6
- Global15%
- 3.0
- Support10%
- 8.0
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
FAQ
Is Spriggy a bank?+–
Spriggy is not a licensed deposit-taker in the classic sense. Treat the balance as a fintech ledger until you confirm the holder.
How is money protected?+–
Stored-value, not FCS bank deposits
Where is Spriggy available?+–
We list 1 market desk on the desk. Residency and onboarding rules still sit with Spriggy.
Card and wallets?+–
mastercard · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
Alternatives
Full alternatives page
activeFeaturedNeobank
- HQ
- Melbourne
- Fee
- Free
activeNeobankKids and teens
- HQ
- New York
- Fee
- Free