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Spriggy review: Kids pocket money app and prepaid card

Spriggy is a secure mobile app with a linked prepaid card that helps kids learn the concept of digital money.

With Australians using cash less and less, Spriggy helps children understand how to manage their money digitally. Spriggy is a mobile app with a linked prepaid card which helps Australian parents and their kids to manage their money together and track their progress in a fun, interactive app.

You can use the app for free for the first month to see how you like it, then it's $30 per child per year.

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Details

Product NameSpriggy
Card TypeMastercard

What is Spriggy?

The app is designed for 6–17 year olds, to teach them how to manage their money before setting up a regular bank account. Instead of giving kids pocket money in the form of notes and coins, parents can transfer money to their kids via the app. This allows parents and kids to manage their money together, and track their transactions and deposits via the user-friendly app, just like a regular bank account. Help your kids get smart with money, while you have the visibility over their independence. The app is attached to a prepaid Visa card which the child can use to make purchases wherever Visa is accepted.

What are the key features that Spriggy offers?

User-friendly app

Spriggy’s mobile app is easy to use, engaging and interactive, encouraging kids to take an active role in their finances from a young age. You can sign into the app as the child or as the parent.

Parents’ involvement

Spriggy enables parents to take an active role in helping their kids learn about money. While kids can take responsibility for their own spending and saving decisions, parents have complete supervision of the app.

Parent Wallet within the app

There is a separate place in the Spriggy app called the Parent Wallet. This is where your money initially goes when you transfer it from your regular bank account. Only the parent can see and access the money in the Parent Wallet within the Spriggy app, and has the ability to transfer money from the Parent Wallet to the child's card, and vice versa. This is where you can keep an eye on your kids' spending and track their savings goals.

Safe and secure

Just like a regular bank account, your money is safe and secure with Spriggy. All money is held with an Authorised Deposit-taking Institution (ADI) which is fully regulated.

Prepaid Visa card in a colour of your choice

The app offers a linked prepaid Visa card, which allows your child to make purchases online or in stores wherever Visa is accepted (including overseas!). It also offers Visa payWave and is pin-protected. However, it does not allow them to withdraw cash from ATMs. Your child can select from a range of superhero-themed cards including Wonder Woman, Batman, Superman or The Flash to get them excited about their money and savings goals.

Make contactless payments

You can set up your account with Google Pay or Apple Pay to make transactions with your phone or smartwatch.

Set regular payments

Parents can set up automatic, regular payments from the Parent Wallet to the child’s card. For example, if you pay your child pocket money once a month, you can set this up as an automated transfer.

Set savings goals

Set up personal savings goals for whatever it is your child wants to save for, and track your progress together through the app.

Receive spend notifications in real time

Both the parent and the child will receive a notification in real time after a purchase has been made with the Spriggy card. The notification will let you know how much the transaction was for, and let you know the updated balance on the card.

Set Spriggy Jobs for your kids

Using the Spriggy Jobs feature, you can set regular weekly or one-off jobs for your kids to complete to earn their pocket money all within the app. You can set extra jobs for the kids to complete to give them the opportunity to earn more money, just like the real world.

Spriggy Family Groups

This features allows you to invite other family members to your 'group', so they contribute to and get involved with your kids' pocket. This means that both parents, as well as other relatives or even friends, can send money and see your kids' spending and saving, plus set them jobs and tasks to complete.

Card lock feature

You can lock the card within the app, which ensures your money is safe if the card is misplaced. Don’t worry, you can unlock the card via the app once you find it again, too!

Minimum and maximum deposits

Deposits to your child’s Spriggy prepaid card must be over $10 and no more than $1,000. There's also a transaction limit of $250 per transaction.

What are the fees and costs involved?

  • Membership fee: Spriggy membership is $30 per year per child, which is charged as one annual lump sum payment. Spriggy is currently offering a 30-day free trial so you can test it out and see if it's right for you and your kids.
  • Card replacement: There is a $10 fee if you lose your card and require a new one.
  • Overseas purchases: Just like a regular debit card, there is a 3.5% surcharge for international purchases as a currency conversion is required.

How to get started with Spriggy

If you’re keen to get started with Spriggy, check you meet the following eligibility requirements first:

  • Age: Children need to be aged between 6 and 17 years old.
  • Parents’ details: Parents need to have a working email address, Australian mobile number and an Australian bank account/debit card.
  • Phone access: Spriggy can be downloaded to an Apple or Android device.

Complete the following steps to get started with Spriggy:

  • Download app. Go to your app store and download the Spriggy app.
  • Register for an account. Once you’ve downloaded the app, click register for an account and fill in your details.
  • Set up child logins. Once you’ve created an account, you can set up the login details for your child through the app by entering a username and password.
  • Activate your card/s. After creating an account, your child should receive their prepaid Spriggy card in the mail within 7–10 days. When you receive the card, you can activate it via the Spriggy app (note that you’ll need the last four digits on the card to activate it).
  • Add money. You can add your bank account details to the Spriggy app when you set up the account. Once it’s set up, select “Top Up Parent Wallet” to add money. From here, you can then transfer money from the Parent Wallet to the child’s prepaid card.

How to use the prepaid Spriggy card

Your child can use the prepaid card anywhere Visa is accepted. For purchases in shops, they can tap-and-go for all purchases under $100. For purchases requiring inserting the card, or for purchases over $100, they will need to insert their card, press CREDIT, and enter their pin. Note that you can change the PIN number at any time through the app.

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12 Comments

  1. Default Gravatar
    Hersi
    April 24, 2022

    Can my child withdraw money from ATMs

    • Avatarfinder Customer Care
      Alison
      May 12, 2022

      Hi Hersi,

      The Spriggy Card doesn’t initially come with ATM access no. Spriggy is currently trialing adding ATM access to cards, but this isn’t available just yet.

      Thanks,
      Alison

  2. Default Gravatar
    Hunter
    February 8, 2022

    How do you activate the kids’ cards without getting a card?

    • Avatarfinder Customer Care
      Alison
      February 20, 2022

      Hi Hunter,

      You can activate the kid’s cards without the card if you know the last 4 digits of their Spriggy Card.

      If you know this, you can then go ahead and log in to the Spriggy Pocket Money app using your Parent Login. From there, go to the profile of the kid’s account and activate.

      I hope this helps.

      Regards,
      Alison

  3. Default Gravatar
    sadie
    December 2, 2021

    Iam still awaiting my children’s spriggy cards which I have order since July today is December and still nothing

    • Avatarfinder Customer Care
      Alison
      December 11, 2021

      Hi Sadie,

      I’m sorry to learn about that. I can understand your frustration.

      Spriggy Cards are expected to be delivered within 7-10 business days from ordering. Please reach out to Spriggy Customer Support for help regarding this. You can initiate a chat session through their website or send them an email at support@spriggy.com.au. They are available from 08:00 AM to 09:00 PM, Monday – Friday (AEST).

      Thanks,
      Alison

  4. Default Gravatar
    Denise
    October 26, 2021

    How do I remove my bank account details from the spriggy app

    • Avatarfinder Customer Care
      Alison
      November 4, 2021

      Hi Denise,

      If you need to update or change the bank account connected to your Spriggy app, make sure that you have the latest app version then follow these steps:

      1. Log in to the Spriggy Pocket Money app using your Parent Login.
      2. Tap ‘Settings.’
      3. Tap ‘Connected Account.’
      4. Tap ‘Change Connected Account’.
      5. Fill in the new payment method you would like to connect.

      For further assistance regarding your account, you can reach out to Spriggy customer support via chat through the app.

      I hope this helps!

      Regards,
      Alison

  5. Default Gravatar
    John
    October 25, 2021

    Can you deposit money on the spriggy card at the bank or post office.

    • Avatarfinder Customer Care
      Alison
      October 26, 2021

      Hi,

      No, you can’t add money to a Spriggy card at the bank or post office. You can only top up the card from the Parent Wallet via the Spriggy app.

      Thanks,
      Alison

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