Spriggy
Kids' pocket-money app and prepaid card that teaches earning, saving, spending, and investing.
Automates pocket money and money habits early, building the same set-it-and-let-the-system-watch mindset FindFetcher applies to deals.
Spriggy is the one on this list that's not really for you, it's for your kids, and I still think it earns its place. It's a prepaid card and app built specifically for pocket money: parents load it, set up automatic recurring payments, and give kids a real card with real spending limits instead of cash that disappears with no record of where it went.
The automation is the actual point. Instead of remembering to hand over pocket money every week, you set it once and it happens on its own, same day, same amount, no negotiation. Parents get visibility into what's being spent and where, and kids get a genuine sense of managing their own money inside guardrails you control.
Spriggy has grown past pure pocket money too, there are savings goals kids can set and watch fill up, and an investing feature for older kids to learn the basics with real (small) amounts of money. It's less about the specific features and more about starting the habit of automated, visible money management early, before it's a habit that has to be unlearned as an adult.
Worth knowing going in: it's a subscription, from $5 a month for the Classic tier, and it's genuinely built and run in Australia, which matters if you want a company that's actually accountable to Australian banking and privacy regulation for something handling your kids' money.
Frequently Asked Questions
How does the pocket-money automation actually work?
You set up a recurring payment amount and schedule inside the app, weekly is most common, and Spriggy loads it onto your kid's card automatically on that day. No more remembering to transfer money or find cash, it just happens on schedule.
Is Spriggy actually Australian, and is it safe for kids' money?
Yes, Spriggy is built and run in Australia and operates under Australian financial services regulation. The card is prepaid, meaning it can only spend what's been loaded onto it, so there's no risk of a kid running up a debt or overspending beyond what you've put in.
What age is Spriggy actually suitable for?
Spriggy is designed for school-age kids and teens, roughly ages 6 to 18, with the app and controls adjusting to what's age-appropriate. Younger kids get simpler saving and spending views, older teens get access to the investing feature.
Can I set spending limits or block certain purchases?
Yes, parents can set spending limits and get visibility into every transaction through the parent app. You can also freeze a card instantly if you need to, the same control you'd expect from any modern banking app, just built for a parent-child relationship.
Is the $5/month subscription worth it compared to just giving cash?
It depends what you value. Cash is free but gives you no visibility and no automation, you have to remember every payment and you can't see where it goes once it's handed over. Spriggy's subscription buys you the automatic recurring payment, spending visibility, and the savings and investing features on top, worth it if you want pocket money to actually teach money habits rather than just be a weekly cash handoff.
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