What is a Spriggy Card and How Much Does It Cost?

Teaching children and teens about financial management can be a headache. From remembering pocket money payments to incentivising kids to do chores, through to teaching safe and responsible budgeting and spending. That’s where the Spriggy Card¹ can help. Spriggy offers digital accounts and cards for kids, to improve financial literacy and make money management easier.

This guide walks through how to get a Spriggy Card, what one costs, and how to use it. Plus, if you’re weighing up Spriggy’s value, we’ll introduce the Wise Young Explorer card — a great alternative for kids with no monthly or annual fees.

What is Spriggy?

Spriggy launched in 2016 with an aim of improving the tools available to parents and guardians teaching younger children and teens about financial literacy, money management, budgeting and responsible spending.

Spriggy offers digital accounts and cards for children and teens from 6 to 17, with basic services for younger children, graduating to tools to help teens learn more about independent money management from 13 onwards. Accounts and card spending are overseen by a parent or guardian, and Spriggy has in-built safety tools which prevent young people from spending inappropriately - such as in alcohol stores.

So - how much is a Spriggy Card for your kids, and how does Spriggy work for practical spending at home and abroad? Read on as we explore.

Is Spriggy safe?

Spriggy is a registered Australian business and offers its services on behalf of a fully licensed provider, and in partnership with Visa.

Spriggy has a number of smart in built safety features to give parents peace of mind, including²:

• Transaction notifications to parents and full visibility of transaction history to keep an eye on kids’ spending habits
• Easy ways to freeze and unfreeze the Spriggy card if needed
• Merchant restrictions to block unsafe categories of spending

How does a Spriggy Card work?

The Spriggy Card is a Visa debit card linked to a digital account. To get a Spriggy Card for a child or teen, a parent or guardian must first register an account, connect a debit card or bank account, and create a parent wallet. This can then be topped up, and you can order a Spriggy card for your child.

Once the Sprigy Card arrives you can add money to your kid’s Spriggy account, and they can spend in stores and online conveniently. Fees may apply for the Spriggy account, and on a transaction level, which we’ll look at later.

Spriggy Card: Features

Let’s look at some of the features you get with Spriggy, so you can decide if it's a good fit for your family.

Spend online and in store

Use your Spriggy card to spend online and in store, at home and abroad. Teens using the SPRK app can also use their Spriggy Card to make ATM withdrawals, and add their cards to Apple Pay or Google Pay for mobile spending.

Fees apply when you spend in foreign currencies, and ATM operators may impose withdrawal fees.

Manage digital pocket money and chore earnings

Parents can set and automate pocket money to be paid automatically to Spriggy from their linked bank account or card. You can also set up jobs - which can be paid or unpaid. Once your child has completed a job you can mark it as done, and release payment if you’ve set the task as a paid job.

Set savings goals

Parents and children can agree savings goals which are set within the Spriggy app. Kids can then add money to their savings pot from their card. The savings pot is not available for spending until the goal has been reached (or it’s deleted).

SPRK Mode

SPRK Mode is the Spriggy app for teens from 13 to 17 years old and offers increased features and flexibility. You get a BSB and account number for transfers to the Spriggy Card and increased family balance amounts. Plus teens can withdraw up to 250 AUD/day at an ATM and send payments to other Spriggy card holders.

Use a Spriggy Card overseas

If you travel often you might be wondering - can Spriggy be used overseas?

The good news is that you can use a Spriggy Card internationally wherever Visa is accepted. The bad news is that overseas spending costs more than domestic, thanks to a 3.5% foreign transaction fee³.

If you’d rather hold a balance in the foreign currency you need to spend, and avoid foreign transaction fees when you travel, you may prefer the Young Explorer card from Wise. Wise lets young card holders convert with the mid-market rate with low, transparent fees, to make managing your budget in a foreign currency easier, and spending cheaper. More on that later.

How much is a Spriggy Card: Fees

There are ongoing fees for a Spriggy Card, as well as some costs which depend on how you use your card once it arrives:

*Details correct at time of research - 19th March 2026

How to get a Spriggy Card

To get a Spriggy Card, a parent or guardian must first create an account and order the card:

1. Download the Spriggy app and register an account
2. Link an Australian bank or debit card
3. Top up the parent wallet
4. Choose and order a Spriggy card
5. Activate the card once it arrives (7 - 10 days)
6. Activate SPRK Mode if your child is 13 or older

Once the card is active the child can spend (and make withdrawals if they’re 13 or older), and the parent can keep an eye on account activity and get transaction alerts for security.

Summary: Is a Spriggy Card worth it?

The Spriggy Card offers secure spending for children and teens from 6 to 17 years old, with accounts linked to a parent or guardian for oversight. Spriggy also has smart merchant controls to ensure cards aren't used in unsuitable or unsafe places, budgeting tools and ways to automate pocketmoney and payment for jobs.

The major downsides for Spriggy are the costs. There’s an ongoing fee from 5 AUD/month, billed annually at 60 AUD, and while domestic spending is free, spending overseas also attracts an additional 3.5% charge. This can mean it’s an expensive way to teach your kids about money - particularly if you travel a lot, or your child likes to shop online with foreign retailers.

Before you sign up for Spriggy, check out alternatives like the Young Explorer card from Wise to see which works best for you.

Wise Young Explorer: Kids' Card with No Monthly or Annual Fees

The Wise Young Explorer card is an easy way for 6–17 year olds to manage their own spending, whether they’re at home or travelling abroad. As a parent or guardian, you stay in control by setting spending limits and receiving real-time transaction alerts. You can monitor exactly where and how much they spend through the app, and if they ever run low on funds, you can top up their card from your account—wherever they are.

Aside from a one-off card order charge, there are no monthly or annual fees. Your child can pay in-store, online, and withdraw from ATMs worldwide. The Young Explorer card can hold 40+ currencies, allowing them to spend at the mid-market rate with no foreign transaction fees. If you're an existing Wise account holder, simply order the card from your app; otherwise, open a Wise account for free and request a Young Explorer card for your child today.

🚀 Get a Young Explorer card

1. Spriggy Card
2. Spriggy - how it works
3. Spriggy pricing