Spriggy review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Spriggy is a prepaid prepaid money app for kids, where a parent loads a card from a wallet in the app and the child spends only what sits on it. The trade-off is cost against control: AUD 5 a month buys on-demand access, an instant card lock and no notice period.
Key facts
Savings
- Rate type
- Variable↗
- Minimum deposit
- A$10↗
- Access terms
- On-demand: child spends only what is loaded on the prepaid Visa card, topped up from the Parent Wallet in the app; no notice period; card can be locked instantly↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- A child spends only what a parent has loaded onto the prepaid card, and the money is there on demand with no notice period.
- The card can be locked instantly in the app, so a parent can stop spending straight away if it is lost or misused.
- The account is easy access, which suits money kept on hand for spending rather than tied up for a set term.
- Starting small is easy: the minimum deposit is AUD 10 and top-ups are made in the app.
Cons
- Support runs on help centre and email only, with no phone line stated.
- The monthly fee of AUD 5 makes it dearer than €0 at bunq and £0 at Wise for an everyday account.
- A AUD 10 minimum deposit is needed before a child has anything to spend.
Who it suits
- Parents who want a child's spending limited to what they have loaded, and who can lock the card from the app.
- Families in AU looking for a prepaid card for kids alongside a wallet the parent runs.
- Parents handing over pocket money for everyday purchases rather than a card that runs up a bill.
Who should look elsewhere
- Anyone after a fee free everyday account: bunq's free plan carries a monthly fee of €0.
- Adults wanting an account in their own name: Wise has a monthly fee of £0, while Spriggy is built around kids.
- Anyone after a secured credit card rather than a prepaid card for kids: Varo Believe Secured Credit Card charges $0 a month.
How Spriggy compares
8.5 vs 9.4
8.5 vs 9.0
8.5 vs 8.9
8.5 vs 9.4
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8.5 vs 9.1
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8.5 vs 9.0
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Where Spriggy is available
- Available
- Australia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a Spriggy card cost to run?+
The monthly fee is AUD 5 for a prepaid card aimed at kids. Because a child can only spend money a parent has already loaded, there is nothing to repay and no borrowing to pay for. The service is run by Rivva Pty Ltd.
How much do I need to put in to get started?+
The minimum deposit is AUD 10. Each top-up moves from a parent wallet in the app onto the prepaid card, and a child then spends what has been loaded and no more. Access is on demand, with no notice period, and the card can be locked straight away if it goes missing.
Can I stop spending if the card is lost?+
Yes. The card can be locked instantly in the app, which stops it being used while the loaded balance stays put. Spriggy is built around control for kids: money moves on demand from a parent wallet, so a parent can top up or lock without waiting. The card is prepaid and runs on visa.
How do I get help if something goes wrong?+
Support runs on help centre and email only, so help comes in writing and through the help centre rather than by phone. The service is run by Rivva Pty Ltd, a company based in Australia, and the rate it lists is variable rather than fixed, so there is no set term to serve out.
Who is Spriggy built for?+
Spriggy is built for kids, with a parent in charge of the wallet and the child holding the card. The account is easy access and the card is prepaid, so it works as an everyday spending pocket rather than a product you commit to for a term. Top-ups and control sit with the parent throughout.
Where is Spriggy based and who runs it?+
The service runs as Rivva Pty Ltd, a company based in Australia, and has been trading since 2016. The card it issues is prepaid and runs on visa, so it works wherever a parent would use an ordinary card, with the child spending only loaded funds.
How does the monthly fee compare with other cards?+
Spriggy charges AUD 5 a month for a prepaid card for kids. bunq's free plan is €0 and Wise charges £0, so a family that does not need a child card pays less there. The trade is a monthly charge for instant control over a child's spending.
Sources
- spriggy.com.au/about checked September 26, 2026
Backs: Founded
“Spriggy was founded in 2016 with a clear mission to help parents teach their kids about money.”
- spriggy.com.au/faq checked September 26, 2026
Backs: Access terms, Minimum deposit
“Top it up from the Parent Wallet in the app, and they can tap to pay anywhere Visa is accepted.”
- spriggy.com.au/legal-and-regulatory checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“80 Clarence St, Sydney, NSW 2000”
- spriggy.com.au/money checked September 26, 2026
Backs: Account kind, Audience, Card network, Rate type
“The Spriggy card is prepaid, so your child can only spend what has been loaded for them.”
- spriggy.com.au/plans checked September 26, 2026
Backs: Card type, Monthly fee
“Included: Prepaid Visa card for each child - Spriggy Classic”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Spriggy
A parent who wants a child's card capped at the loaded balance, for AUD 5 a month.