Spriggy Alternatives: 7 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 six 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 options (Spriggy, Kit, Revolut, Wise, Westpac) give your child a physical 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 to $14/mo, depending on plan and number of kids	Families who want a physical card and optional investing
Kit	Yes (card)	Commonwealth Bank	See provider	CommBank households wanting a bank-run option
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
Revolut Kids & Teens	Yes (card)	Revolut (fintech)	Free on Standard plan; paid plans from $5.99/mo	Families already using Revolut
Wise Young Explorer	Yes (card)	Wise (fintech)	$10 one-off card fee, no monthly fee	Families who travel or send money overseas
Westpac Bump + Choice Youth	Savings no; card from age 8	Westpac	$0 fees, up to 5.05% p.a. interest	Families who want a bank account that earns interest

Spriggy

The default, and a genuinely good product. Kids get a prepaid Visa card, parents automate payments, set jobs, and watch spending. Spriggy’s FAQ lists three plans, from $5 a month (Classic, one child) up to $14 a month (Premium, 2+ kids), or $60 to $168 a year billed annually. Plus and Premium add investing, and every plan starts with a 7-day free trial.

Worth knowing before you commit: there is a $10 replacement fee if a Spriggy card is lost or you want a new card 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. We also keep a shorter, side-by-side page on the card-free Spriggy alternative.

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.

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 main draw 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.

What about fintech and bank accounts?

The apps above are all built for pocket money. The three below were built for something else, banking or money transfers, and added kids features on top. They are worth knowing about, especially if you already use the platform, but none of them do chores or pocket money tracking as a core feature.

Revolut Kids & Teens

Revolut’s kids and teens accounts are sub-accounts that sit under a parent’s Revolut account. Your child gets a card and their own app. Ages 6 to 17. The Standard plan is free and includes one child account; paid plans (from $5.99 a month) add more child slots and features like savings challenges.

Parents get real-time notifications, spending limits, and the ability to toggle contactless, online purchases, and ATM withdrawals on or off. You can set up recurring pocket money transfers. The child’s app shows their balance and spending, and they can create savings “Pockets” with goals.

The catch: Revolut is a fintech platform, not a pocket money app. There are no chore lists, no task tracking, and no earn-and-learn features. The savings pockets earn no interest. And the child’s account has no BSB or account number of its own. It works well for families already on Revolut who want to extend it to the kids, but if you are signing up from scratch just for pocket money, there are simpler options.

Choose Revolut if: you already use Revolut and want to add your child without a separate app or subscription.

Wise Young Explorer

Wise launched Young Explorer in Australia in May 2026. Ages 6 to 17. The card costs a one-off $10 with no monthly or annual fee after that, which makes it one of the cheapest card options on this list. Digital cards are free from age 13 and can be added to Apple Pay or Google Pay.

The standout is multi-currency. Parents and kids can hold and spend in 40+ currencies at the mid-market exchange rate, with no foreign transaction fees. For families who travel or have relatives overseas sending birthday money, that is a genuine advantage over Spriggy’s 3.5% conversion fee.

Parents set daily and monthly spending limits, get real-time notifications, and can approve or decline online purchases. A second adult can be added to view transactions and top up funds. Up to five Young Explorer cards per parent account.

Like Revolut, Wise is a money transfer platform first. There are no chore lists, no pocket money scheduling, and no savings goals. The monthly spending cap is $999. It does one thing, spending with a card, and does it with very low fees.

Choose Wise if: your family travels, or you want a low-fee card without an ongoing subscription.

Westpac Bump + Choice Youth

This is the bank account option. Westpac Bump is a savings account for under-18s that pays up to 5.05% p.a. interest, and Choice Youth is the paired everyday account with a Debit Mastercard from age 8. Both are fee-free. Bump has won Canstar’s Outstanding Value award for Junior & Youth Banking three years running (2024 to 2026).

For under-14s, parents are mandatory signatories with a default $50 weekly card spend limit, adjustable in the app. Bars, nightclubs, alcohol, and tobacco merchants are automatically blocked for all under-18s. Parents can lock the card instantly.

Westpac added in-app chores in 2025: parents set up chore lists, kids get notified, and parents pay on completion. You can also schedule recurring pocket money transfers. It is basic compared with a dedicated pocket money app, but it is there and it is free.

The trade-off is that you are opening a bank account for your child. Some parents want that; others would rather wait. At 18, Bump converts to a Westpac Life account and the parent is removed as signatory, so it is designed as a stepping stone into adult banking.

Choose Westpac if: you want your child to earn real interest, are comfortable with a bank account, and like the idea of zero fees.

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.
• 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.
• Already on Revolut? Add a Kids & Teens account for free.
• Family travels a lot? Wise Young Explorer, no FX fees.
• Want a real bank account with interest? Westpac Bump at 5.05% p.a., zero fees.

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.