Spriggy review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Spriggy suits Australian parents who want a prepaid pocket-money account for their child rather than a savings pot. It is easy access with a variable rate, and the AUD 5 monthly fee is the main thing weighing against it. Funds move through a prepaid Visa card topped up from the Parent Wallet.
Key facts
- Best for
- Australian parents giving a child a prepaid card with a spending limit.
- Rate type
- Variable↗
- Minimum deposit
- A$10↗
- Access terms
- On-demand: child spends only what is loaded on the prepaid Visa card, topped up from the Parent Wallet in the app; no notice period; card can be locked instantly↗
- Monthly fee
- A$5↗
- Account kind
- Easy access↗
- Legal entity
- Rivva Pty Ltd↗
- Headquarters
- Australia↗
- Founded
- 2016↗
- Support channels
- Help-centre, Email↗
- Official website
- spriggy.com.au
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- No notice period: the child spends only what is loaded on the prepaid Visa card
- A variable rate, which suits parents who value access over a locked-in return
- The card can be locked instantly in the app if it goes missing
- Support runs on help centre and email
Cons
- A monthly fee of AUD 5 applies, against a ranking median of €0
- Support runs on help centre and email only
- Opening takes a AUD 10 minimum deposit
Who it suits
- Parents in AU who want to set a spending limit for a child
- Families who prefer to load money on demand rather than lock it away
Who should look elsewhere
- Anyone wanting a term deposit, since this is an easy-access account
- AXI Card Tarjeta y Credito, which offers a fixed rate instead of variable
- PayPal Colombia, which asks for no minimum deposit against AUD 10 here
Fees and FX
The recurring cost is a monthly fee of AUD 5, set out on the plans page. Getting started takes a minimum deposit of AUD 10. For comparison, the savings ranking sits on a monthly fee median of €0 and a minimum deposit median of €0.17, so Spriggy sits well above both. There is no term to serve and no notice period on the money.
The company behind it
Spriggy is run by Rivva Pty Ltd, which is based in Australia. It was founded in 2016 and builds money tools for children and parents rather than general savings products. The account is easy access with a variable rate, so the balance is available on demand. Support comes through help centre and email, while the money side works on a prepaid Visa card and the Parent Wallet in the app.
How Spriggy compares
8.4 vs 8.6
8.4 vs 9.5
8.4 vs 8.0
8.4 vs 8.9
8.4 vs 8.9
8.4 vs 9.1
8.4 vs 9.1
8.4 vs 8.9
8.4 vs 8.7- 8.4 vs 8.0
8.4 vs 9.0
8.4 vs 8.1
8.4 vs 8.7
8.4 vs 8.0
8.4 vs 9.5
8.4 vs 9.4
8.4 vs 9.3
8.4 vs 9.2
8.4 vs 9.0
8.4 vs 8.7
8.4 vs 8.5
8.4 vs 8.5
8.4 vs 8.5
8.4 vs 8.4
8.4 vs 8.3
8.4 vs 9.0
Where Spriggy is available
- Available
- Australia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Spriggy cost each month?+
Plans carry a monthly fee of AUD 5. The savings ranking on the site sits on a median monthly fee of €0, so this charge is the clearest cost difference to weigh. There is no term to run and no notice period to serve.
How much do I need to deposit to start?+
The minimum deposit is AUD 10, well above the savings ranking median of €0.17. Money can then be added from the Parent Wallet in the app as and when you want it.
Can I get the money out when I want it?+
Yes. This is an easy-access account with a variable rate, so there is no notice period and no term to sit out. The child spends only what is loaded on the prepaid Visa card, topped up from the Parent Wallet in the app.
What happens if the card is lost?+
The card can be locked instantly from the app. Spending stops straight away because the child can only use what has been loaded onto the prepaid Visa card, and you top up again from the Parent Wallet when you are ready.
Who runs Spriggy?+
The service is run by Rivva Pty Ltd, based in Australia and founded in 2016. It focuses on family money tools for children and parents rather than general savings accounts for adults.
How do I get help?+
Support is offered through help centre and email, which means a help centre and email. There is no phone line in that list, so questions are handled in writing either way.
Is the rate fixed or variable?+
The rate type is variable, so the return can move rather than staying locked. The savings ranking is mostly made up of variable accounts, at 76.8%, so this is the common setup in the group.
Which country does Spriggy serve?+
Spriggy is built for AU families, and the legal entity sits there too. The prepaid Visa card and the Parent Wallet app belong to the same on-demand setup, so the service is aimed at a single market.
Sources
- spriggy.com.au/about checked September 26, 2026
Backs: Founded
“Spriggy was founded in 2016 with a clear mission to help parents teach their kids about money.”
- spriggy.com.au/faq checked September 26, 2026
Backs: Access terms, Minimum deposit
“Top it up from the Parent Wallet in the app, and they can tap to pay anywhere Visa is accepted.”
- spriggy.com.au/legal-and-regulatory checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“80 Clarence St, Sydney, NSW 2000”
- spriggy.com.au/money checked September 26, 2026
Backs: Account kind, Rate type
“The Spriggy card is prepaid, so your child can only spend what has been loaded for them.”
- spriggy.com.au/plans checked September 26, 2026
Backs: Monthly fee
“Spriggy Classic $5 per month (billed annually)”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate, Term, Deposit protection.
Related by the facts
Spriggy
Australian parents giving a child a prepaid card with a spending limit.