NeoBankDB

Spriggy

Australian prepaid card and app that teaches kids to spend.

Kids and teensactiveAustralia
Go to Spriggy →iOS 4.6 · 12KAndroid 4.4 · 4K

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7.2Solid
Alternatives

Five questions

At a glance

  • Is it a bank?

    No. Spriggy is not a licensed bank. Confirm who the money sits with before you send salary there.

  • If it fails?

    Stored-value, not FCS bank deposits

  • Salary?

    Not listed. An IBAN or sort code is not automatically a salary account.

  • Open from abroad?

    Residency and KYC are gated. An App Store listing is not proof you can onboard.

  • Monthly fee

    Subscription per parent plan

  • Account number

    No IBAN-class local rail on this file.

NeoBankDB Verdict

Licence first · score second

7.2

/10 · Solid

The Australian kids pick. GoHenry is the UK cousin.

What it is

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.

Best for: Australian families who want a prepaid card instead of cash pocket money.

Last checked 2026-08-01. Not advice.

What it does well

  • +Local leader
  • +Controls
  • +App both sides

What to watch

  • −Subscription
  • −Not a bank
  • −AU-only

Who holds the money

The account

How money actually moves

Who holds the cash
Safeguarded or partner-bank
How money moves
In-app ledger
Built for
Kids / teens
Settlement
App-ledger instant; bank rails per corridor
Freeze risk
Fintech reviews can pause inbound while they check a transfer
Card
Spriggy lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.

Licence first

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 log

No dated notes yet. When the licence, fees, or status moves, it lands here.

Available in

Straight answers

FAQ

01

Is Spriggy a bank?

Spriggy is filed as Prepaid / stored value. The named regulator is AU stored-value / partner. Still read the entity on the statement before you send money.

02

What happens to money in Spriggy if it fails?

Spriggy is stored-value, not an ADI deposit. FCS bank cover does not sit on this prepaid.

03

What does Spriggy charge each month?

The monthly fee on this file is Subscription per parent plan. Fees change — open the operator's pricing page if it is linked.

Ratings and reviews

No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.

Rate & review

Used Spriggy?

Stars plus a short note. We publish after a NeoBankDB read. “Verified user” is our tick, not yours.

Your rating

Alternatives

Full alternatives page →

From NeoBankDB

Note28 Mar 2026 · 8 min

Australia after the thinning: Up, Archa, Spriggy, Airwallex

The consumer ADI that lasted, the business card that is not a bank, the kids prepaid, and the cross-border platform founders actually use.

Read the note