Is there a pocket money app without a card?

Yes. Tracker apps like BOMAD and Quiddo let you manage pocket money, chores and savings without issuing your child a physical debit card. Quiddo also splits each kid's money into Buckets - Spending, Savings, Giving - with savings goals, so it is not just one flat balance.

What is the cheapest pocket money app in Australia?

Among the card-free trackers, BOMAD has a free tier, and Quiddo is the cheapest paid option at $1.99 a month or $15 a year for the whole family, compared with $4.89 a month or $41.99 a year for BOMAD Pro. Card-based apps cost more again: Spriggy runs about $5 to $9 a month.

If you specifically want your child to have a physical prepaid Visa card they can tap, Spriggy is the most established option in Australia. If you mainly want to track pocket money and chores, a card-based app may be more than you need.

What is the best Spriggy alternative that isn't tied to a bank?

Quiddo is an independent Australian app that tracks pocket money, chores and savings without a card and without signing your child up to a bank. BOMAD is another Australian card-free option, though its Pro plan costs more.

Spriggy Alternatives: 5 Pocket Money Apps for Aussie Families Compared (2026)

Spriggy is the app most Australian parents reach for first, and for good reason. It is well built, widely used, and it does what it says. But “most popular” and “right for your family” are not the same thing, and the reason we ended up building our own app is that Spriggy’s whole model, a prepaid card in your kid’s hand, was the one thing we did not want.

If you are weighing up the options, here is an honest rundown of Spriggy and four alternatives, what each costs, and who each one actually suits. We will be upfront: one of these is ours. We have tried to be fair anyway, because recommending Spriggy to the families it fits is better for everyone than pretending it is bad.

The one question that sorts the field

Before comparing features, answer this: do you want your child to have a physical card?

That single decision splits every app into two camps. Card-based apps (Spriggy, Kit, Zaap) give your child a physical prepaid card they tap in shops. Tracker apps (BOMAD, Quiddo) keep pocket money as a balance you manage together, no plastic involved. Everything else, cost included, follows from that choice.

At a glance

All prices below are in Australian dollars (AUD) and current at the time of writing. Check each provider for the latest.

App	Kid needs a card?	Run by	Cost (AUD)	Best for
Spriggy	Yes (prepaid Visa)	Independent fintech	~$5–$9/mo per family	Families who want a physical card and optional investing
Kit	Yes (card)	Commonwealth Bank	See provider	CommBank households wanting a bank-run option
Zaap	Yes (prepaid Mastercard)	Independent	~$2/mo per child + 1.5% load	Teens 8–17 who want a card or wearable
BOMAD	No (tracker)	Independent (Australian)	Free tier; Pro $4.89/mo or $41.99/yr	Card-free tracking in iOS and Android apps
Quiddo	No	Independent (Australian)	$1.99/mo or $15/yr, whole family	The cheapest card-free tracker, on web and mobile, no bank

Spriggy

The default, and a genuinely good product. Kids get a prepaid Visa card, parents automate payments, set jobs, and watch spending. Spriggy’s pricing currently runs about $5 a month for one child and up to $9 a month for the Plus tier with 2+ kids, which adds long-term investing.

Worth knowing before you commit: there is a $10 replacement fee if a card is lost or you want a new design, plus a 3.5% currency conversion fee. For a household with one careful teenager, none of that is a problem. For a house full of younger kids who lose things, the card fees add up.

Choose Spriggy if: you want your child to have a physical card and you are comfortable managing it.

Kit

Kit is Commonwealth Bank’s pocket money app and card. If you already bank with CommBank and like the idea of a bank-run option your child can grow into, it is a natural fit. It is card-based and bank-attached, so the same “do you want a card, and are you happy tying your kid to a bank early” questions apply. Check the current fees with CommBank directly, as bank products change.

Choose Kit if: you are a CommBank family and want everything under one banking roof.

Zaap

Zaap is aimed at older kids, 8 to 17, and leans into the card experience with a prepaid Mastercard and an optional wearable band. There is a monthly fee of around $2 per child plus a 1.5% load fee on money you add. For a teen who wants the tap-to-pay independence, it delivers exactly that.

Choose Zaap if: you have a teenager who wants a card or wearable, not a younger child.

BOMAD

BOMAD, short for Bank of Mum and Dad, is the closest app on this list to what we do, and we will give it its due: it is a card-free tracker built in Australia, and one subscription covers the whole family with as many kids as you like. It does automatic allowances, savings goals, spending, and reimbursements where kids claim expenses back with parent approval. It is a genuinely good app and belongs on any card-free shortlist. You use it through its iOS and Android apps.

Where it differs from Quiddo comes down to two things: price and where you can use it. BOMAD has a free tier, and its Pro plan is $4.89 a month or $41.99 a year after a 3-day trial. Quiddo does the same card-free job, also for the whole family, at $1.99 a month or $15 a year after a 14-day trial, which is less than half BOMAD’s monthly price and around a third of its yearly one. Quiddo also runs in a browser as well as on phones, so a parent can manage everything from a laptop, not only a mobile app.

Choose BOMAD if: you want a card-free tracker, like its reimbursements feature, and the price difference does not bother you.

Quiddo

This is ours, so read it with that in mind. We built Quiddo for the exact family the card-based apps do not serve: parents who want to track pocket money, chores and savings without handing a young kid a debit card, and without signing them up to a bank.

We have four kids. A physical card for each of them was a guarantee of lost cards, chaos when the money could not be reached, and one more thing for us to manage. So Quiddo keeps each child’s balance, splits it into Buckets like Spending, Savings and Giving so money is earmarked before it is spent, pays their pocket money automatically each week and can divide it across those buckets on pay day, lets everyday responsibilities hold that payment until the basics are done, settles paid tasks into their balance once you approve them, and shows their savings goals filling up, all as a shared view rather than a card in a wallet. So it scales from a five-year-old with one spending pot to a teenager splitting money across several goals. It is Australian, independent, and built privacy-first.

It is not for everyone. If the tap-to-pay card is the whole point for you, Spriggy is the better call and we will happily say so. But if the card was always the part you were unsure about, that is the gap we built for, and against the other card-free trackers we come in cheaper.

Choose Quiddo if: you want the earning, saving and tracking without the plastic or the bank. See how it works.

The honest summary

Want a card, one kid, and maybe investing? Spriggy.
Already with CommBank? Kit is worth a look.
Want free and card-free? BOMAD’s free tier.
Have a teen who wants tap-to-pay? Zaap.
Want the cheapest card-free tracker, on web and mobile, with no bank? That is why Quiddo exists, at $1.99/mo or $15/yr for the whole family, less than half what BOMAD’s Pro plan costs.

There is no single best app, only the one that matches how your family already handles money. Work out the card question first, and the rest is easy to weigh up.