Best Spriggy alternatives

#1 alternative

GoHenry

active

UK kids’ debit card, now in the Acorns family.

4.6

London · 2M families · Acquired by Acorns

7.3Solid

The UK kids control. Compare total monthly cost against a prepaid from your own bank.

Best for: UK (and some US/FR) parents who will pay a monthly for controls.

Licence

EMI / prepaid programme

Protection

Safeguarded e-money, not FSCS

Monthly

Monthly per child / family plan

#2 alternative

Up

active

Australian spending account with a cheerful debit card.

4.7

Melbourne · 1M+ · Bendigo and Adelaide Bank-backed

7.9Solid

The Australian consumer pick. Archa is the business-card cousin in this register; they solve different jobs.

Best for: Australians who want an ADI-backed everyday account with a beloved app.

Licence

ADI via Bendigo and Adelaide Bank

Protection

Financial Claims Scheme on deposits with Bendigo and Adelaide Bank Limited. Up’s FCS page: Everyday, Savers and Essentials Saver count toward the FCS limit together with any other deposits you already have at Bendigo and Adelaide Bank.

Monthly

Free

#3 alternative

Current

active

US consumer neobank with a debit card, pockets, and teen accounts.

4.7

New York · 4M+ · ~$400M raised

7.0Solid

Put Current next to Chime and Varo. Varo is the actual bank. Current is the app.

Best for: US consumers who want Chime-class UX with pockets and a teen SKU.

Licence

Fintech with partner banks

Protection

Pass-through FDIC up to $250,000 at Choice Financial Group and/or Cross River Bank, Members FDIC, where Current has a direct relationship and conditions are met (Current FDIC disclaimer). Cryptocurrency is not FDIC-insured.

Monthly

Free · paid Current Premium

#4 alternative

FamApp

active

Indian family card and UPI app for teens and parents.

4.3

Bengaluru · 1M families · Seed / Series A

6.7Mixed

India’s kids column. Pair with a scheduled-bank parent account.

Best for: Indian parents who want a controlled first card on UPI rails.

Licence

PPI / UPI stack

Protection

PPI / partner — not a standalone bank

Monthly

Low / plan-based

#5 alternative

HyperJar

active

UK family prepaid. FCA EMI via Modulr. Card via Monavate. Not FSCS.

4.8

London · Family prepaid · Venture / family-fintech era

6.7Mixed

HyperJar is a UK prepaid. Hyperlayer Limited runs the app. Modulr is the FCA EMI that safeguards the money. Monavate issues the card. That is not FSCS and it is not a current account. The site says you need a UK address and a UK bank to open. Put salary at Starling or Monzo. Put pocket money here if the jars help.

Best for: UK families who want pocket-money jars and already keep salary at Starling or Monzo.

Licence

E-money. Hyperlayer Limited. Card issued by Monavate

Protection

Not FSCS. Customer money is safeguarded at Modulr, an FCA EMI. That is e-money safeguarding, not a bank deposit scheme.

Monthly

£0 on core personal and kids cards — confirm live

#6 alternative

imagin

active

CaixaBank’s digital brand. Spanish FGD. Same cap as CaixaBank. Not a startup charter.

4.7

Barcelona / Valencia · ~4 million · CaixaBank

7.3Solid

imagin accounts sit at CaixaBank, S.A., Banco de España code 2100. imaginersGen, S.A. is the agent. FGD follows CaixaBank. Same pattern as B100 / Abanca: one cap, two skins. If you already have CaixaBank, this is not a second €100k pot. Openbank is Santander. Different group.

Best for: Spain residents who want CaixaBank FGD in a teal app and do not already sit at CaixaBank for the cap.

Licence

Trade name of CaixaBank, S.A. (bank code 2100). imaginersGen, S.A. is the agent

Protection

Spanish FGD up to €100,000 — CaixaBank is the member. Do not double-count with a CaixaBank current account.

Monthly

€0 on core current — confirm live