Quiddo
Spriggy alternative
The card-free Spriggy alternative
Last reviewed
Spriggy is a good app if you want your child to have a card. If the card was always the part you were unsure about, Quiddo does the pocket money, chores and saving without the plastic, the fees, or the bank sign-up.
Start your 14-day free trialWhere Spriggy is a good fit
Worth saying plainly: Spriggy is the most established pocket money app in Australia, and for the families it suits it is a genuinely good product. A prepaid card lets an older kid tap and pay in a shop, which is real independence, and Spriggy adds optional investing on its higher tier. If a physical card your child can use on their own is what matters most to you, Spriggy is the better call and we will happily say so.
The trade-off is the card. It carries a monthly fee, a replacement fee if it goes missing, and a currency conversion fee overseas, and it ties your child to a bank product early. Those Spriggy card fees add up fastest in a house full of younger kids who lose things. If that's what's giving you pause, that is the gap Quiddo was built for.
Quiddo vs Spriggy
All prices in Australian dollars, current at the time of writing. Check each provider for the latest.
| Quiddo | Spriggy | |
|---|---|---|
| Kid needs a physical card | No | Yes (prepaid Visa) 1 |
| Card fees | None, there is no card | Replacement + currency conversion fees 1 |
| Price (AUD, at time of writing) | $1.99/mo or $15/yr, whole family | $5 to $14/mo, depending on plan and number of kids 2 |
| Bank sign-up for the child | No | Prepaid card issued by Indue, an APRA-regulated institution 2 |
| Chores and pocket money together | Yes | Pocket money focused |
| Savings goals | Yes, with auto-fund | Yes 1 |
| Runs on the web and mobile | Yes | Mobile app |
| Minimum age | None | Practical once they can manage a card 2 |
Sources
- Spriggy membership plans and fees , Spriggy, checked 6 October 2026
- Spriggy FAQ , Spriggy, checked 6 October 2026
Want the full field? See our honest comparison of five pocket money apps, including the other card-free options.
Common questions
What is the best Spriggy alternative in Australia?
It depends on whether you want a card. Spriggy is card-based, so if a physical card is the point, another card app suits you better. If you would rather skip the card and its fees, Quiddo is a card-free Australian alternative that tracks pocket money, chores and savings for the whole family at $1.99 a month.
Is there a pocket money app without a card?
Yes. Quiddo keeps pocket money as a virtual balance you and your child manage together, with no card and no bank account for the child. You pay for what they buy on your own card and log it, so their balance goes down without any plastic.
Is Quiddo cheaper than Spriggy?
At the time of writing, Spriggy runs $5 to $14 a month depending on the plan and the number of kids, plus a $10 card replacement fee and currency conversion fees. Quiddo is $1.99 a month or $15 a year for the whole family, with no card fees because there is no card.
Why would I switch from Spriggy to a card-free app?
The usual reasons are the card fees, the risk of a young child losing the card, and not wanting to tie a child to a bank product early. If none of those bother you and your child wants a card they can tap, Spriggy is a solid choice and worth keeping.
Do Spriggy alternatives come with a card?
Not all of them. Spriggy, Kit, Revolut, Wise and Westpac all involve a card or bank account, but alternatives like Quiddo and BOMAD are card-free. Quiddo tracks pocket money, chores and savings as a virtual balance, with no card and no bank sign-up for the child. If you assumed every alternative meant handing your kid another card, it does not have to.
Pocket money without the plastic
Track pocket money, chores and savings for the whole family. No card for the kids to lose, no bank sign-up, and it runs on the web as well as on phones.
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