#1 Disability Money Management App

SpendAble — The only debit card built for participants' security & independence 

Build financial independence while keeping every transaction safe, clear, and easy to track  when carers spend it on your behalf.
A participant and support worker holding a SpendAble card

Why SpendAble?

We exist to give participants...

More safety

More Safety

Transparency

More Transparency

More Independence

More Independence

Through a custom-built money handling solution. Co-built with NDIS participants, carers, and industry experts, this app is designed for your real-life needs.

Plans

A debit card that caters to your unique circumstances

SpendAble Starter

Most common for participants with the capacity to handle their money, who may need support from their carers to pay at times

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Never hand out your personal card or cash again

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View transactions, including receipts and who spent the money, in real time

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Spending rules that put you in control of how your money is used

SpendAble Value

Most common for participants who handle their money, but need support to stick to their budget and want to build their skills

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Set custom budgets and spending rules to reach your money goals

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Supported decision making tools to promote skill development

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Consistent process without the need for numeracy

SpendAble Premium

Most common for participants who rely heavily on others to handle their own money on their behalf, and have multiple carers or providers accessing their money

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One consistent process for your entire support network

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Parent portal — see all spending in real time, including receipts

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Set rules to decide how carers can pay for you, including what they buy

Why choose SpendAble over other solutions?

View Breakdown
Compare participant SpendAble platform to alternatives

10 important reasons why participants choose SpendAble

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1. Your money is safe

You’re protected by VISA’s zero liability protection & SpendAble’s card money guarantee
2. You’re in complete control
View and access your money any time safely and securely. Spendable’s built for NDIS participants who want the freedom to spend with confidence.
3. Nothing out of your pocket
100% NDIS funded, so you never pay a cent of your hard earned money
4. Improve your money skills and capacity
Strengthen your financial literacy with budgeting tools that help you manage various budgets for everyday living and spend your own money with ease. 
5. Never hand out your card or cash
Safely connect your trusted support workers in just one click. They can securely spend on your behalf, without ever touching your physical card or cash.
6. You choose how your money is spent
Gain complete control and confidence over your spending. Easily set rules, track transactions, and make informed decisions, all from a user-friendly platform. 
7. Maximum transparency
See what budget was used, how much was spent, who spent the money, and all receipts in real-time, making sure you’re managing your finances with clarity. 
8. Personalised statements
Make financial management simple by getting custom statements that help you track expenses and share spending insights with family, trustees, or your service provider. 
9. Specifically for participants
Our program is built by people with real lived experience, catering to your individual needs. SpendAble is a resource made for real-life financial challenges. 
10. Industry leading
We’re Australia’s #1 disability money management app, leading the way in accessible banking for those living with a disability. 

We're helping thousands of people like you — but don’t just take our word for it

“SpendAble provides our clients with choice and control, all the information is updated in the app and it holds all of our proof of purchases.  It’s a pleasure using a product like SpendAble”
Mandy
Service Provider
“SpendAble is the best platform I have ever used to track my money. It helps me track what I spent, what the items I bought look like and keeps my support workers and I accountable for my spending. If you live with a disability, you won't regret giving SpendAble a go”
Pete
Participant
“Great team that truely care about empowering participants to manage their money. We recommend SpendAble to any provider looking to increase transparency, accountability and ease of money handling in the NDIS”
John
Service Provider
“My support workers can transact on my behalf without giving out my bank card or cash ever again. My life has completely changed with SpendAble”
Chris
Participant
“Highly recommend SpendAble, their product makes managing money simple - a well thought out product”
Jonathon
Provider
“SpendAble provides our clients with choice and control, all the information is updated in the app and it holds all of our proof of purchases.  It’s a pleasure using a product like SpendAble”
Mandy
Service Provider
“SpendAble is the best platform I have ever used to track my money. It helps me track what I spent, what the items I bought look like and keeps my support workers and I accountable for my spending. If you live with a disability, you won't regret giving SpendAble a go”
Pete
Participant
“Great team that truely care about empowering participants to manage their money. We recommend SpendAble to any provider looking to increase transparency, accountability and ease of money handling in the NDIS”
John
Service Provider
“My support workers can transact on my behalf without giving out my bank card or cash ever again. My life has completely changed with SpendAble”
Chris
Participant
“Highly recommend SpendAble, their product makes managing money simple - a well thought out product”
Jonathon
Provider
“Amazing team that actually care about the community. Highly recommend SpendAble!”
Luke
Participant
“Working with the team from SpendAble is always a genuine business partnership, focussed on real life solutions towards empowering and supporting some of the most vulnerable members of our communities."
Daniel
Service Provider
“SpendAble has been a life change for our family, our son and his support team. It has helped our son develop essential and necessary money handling skills, while ensuring an invaluable layer of accountability, responsibility and transparency which protects our son and his dedicated support team”
Deb
Parent
“Could not speak more highly of the SpendAble team. Their timely, friendly and approachable manner with either tech support or questions in relation to their SpendAble solutions is top notch. Their passion and knowledge in relation to the products is second to none - You're in safe hands with SpendAble!”
Emma
Provider
“SpendAble has been wonderful in customising a program for the person I referred. The flexibility and time they spent in ensuring their program will work for the person is amazing. A great resource.”
Sue
Support Coordinator
“Amazing team that actually care about the community. Highly recommend SpendAble!”
Luke
Participant
“Working with the team from SpendAble is always a genuine business partnership, focussed on real life solutions towards empowering and supporting some of the most vulnerable members of our communities."
Daniel
Service Provider
“SpendAble has been a life change for our family, our son and his support team. It has helped our son develop essential and necessary money handling skills, while ensuring an invaluable layer of accountability, responsibility and transparency which protects our son and his dedicated support team”
Deb
Parent
“Could not speak more highly of the SpendAble team. Their timely, friendly and approachable manner with either tech support or questions in relation to their SpendAble solutions is top notch. Their passion and knowledge in relation to the products is second to none - You're in safe hands with SpendAble!”
Emma
Provider
“SpendAble has been wonderful in customising a program for the person I referred. The flexibility and time they spent in ensuring their program will work for the person is amazing. A great resource.”
Sue
Support Coordinator
“The team at SpendAble are amazing - focused on the outcomes for the people that matter, and responsive to individual's support requirements. Very easy to work with as well!”
Lachlan
Service Provider
“SpendAble are really changing sector with their targeted, impactful solution to making quality and transparency easy!Cannot think of a better product on the market!”
Jesse
Support Coordinator
“SpendAble are really making a difference in the disability sector and great to work with.Highly recommend the work that they are doing!”
Sebastian
Service Provider
“SpendAble has been a game-changer for NDIS participants! The user-friendly platform simplifies budgeting and tracking and their knowledgeable and caring team provides personalised support, making financial management stress-free! I would highly recommend their services!”
Celine
Behavioural Support Practitioner
“The SpendAble team are doing great work addressing some of the critical financial process gaps that exist in the healthcare space for individuals to have better access to the care they need.”
Steve
Healthcare
“The team at SpendAble are amazing - focused on the outcomes for the people that matter, and responsive to individual's support requirements. Very easy to work with as well!”
Lachlan
Service Provider
“SpendAble are really changing sector with their targeted, impactful solution to making quality and transparency easy!Cannot think of a better product on the market!”
Jesse
Support Coordinator
“SpendAble are really making a difference in the disability sector and great to work with.Highly recommend the work that they are doing!”
Sebastian
Service Provider
“SpendAble has been a game-changer for NDIS participants! The user-friendly platform simplifies budgeting and tracking and their knowledgeable and caring team provides personalised support, making financial management stress-free! I would highly recommend their services!”
Celine
Behavioural Support Practitioner
“The SpendAble team are doing great work addressing some of the critical financial process gaps that exist in the healthcare space for individuals to have better access to the care they need.”
Steve
Healthcare

See how SpendAble has benefited thousands just like you

Want safer and transparent spending with Australia's #1 disability money management app for participants?

Chris Kessaris, SpendAble CFO

Frequently Asked Questions

Who is SpendAble for?

SpendAble is designed for NDIS participants, including people with disabilities who want a secure and accessible way to manage their money. It supports those who need help with budgeting, require support workers to pay on their behalf or require a user-friendly alternative to traditional banking. Carers and disability support workers can use SpendAble to safely manage participant funds without handling cash or personal bank cards. SpendAble makes money management simple, secure, and inclusive, helping participants gain more independence and control over their finances. 

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How does SpendAble keep me safe?

SpendAble allows you to:
— control who can access you money if you need carers to pay for you
— identify who pays
— see all spending information and receipts
— set rules about how you and your carers can spend in line with your financial goals
— ensure you never have to hand out your personal card or cash when you need others to spend

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Are there any hidden costs?

No. All the features and functionality are included in the SpendAble plan you choose, with no hidden fees.

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How do I get SpendAble funded through the NDIS as a plan or self managed participant?

SpendAble is considered as a low-risk, low-cost assistive technology and can be funded through either the core/consumables budget or capital AT budget. If you decide SpendAble is right for you, we’ll provide an invoice that you can claim directly from the portal or forward to your plan manager for processing. 

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How many support workers can access money safely with SpendAble?

SpendAble allows you to track who spent your money, how much, where, and on what in real-time. This gives you full transparency and control without having to hand over your card or cash.

You can grant or remove permissions for support workers in seconds through the SpendAble Budget Hub, guaranteeing secure and flexible money management.

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What does SpendAble cost?

SpendAble's participant platform has 3 different plans depending on your needs.

SpendAble Starter — $180 per year
SpendAble Value — $300 per year
SpendAble Premium — $660 per year

You can see all inclusions to choose the plan that is right for you on our pricing page

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What if I change my mind?

SpendAble has a 90 day-money back guarantee for all participants so you can be confident you've made the right decision

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How do I get SpendAble funded through the NDIS as an NDIA managed participant?

SpendAble can complete NDIA claims through our trusted partner, The Brainary, to support agency managed participants to fund for SpendAble with their NDIS plans. Your SpendAble onboarding representative will guide you through the process and connect you with The Brainary to facilitate payment easily.

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How does SpendAble track unauthorised transactions? 

SpendAble has features that detect unusual spending patterns, such as transactions in unexpected locations or irregular amounts. Your budget manager has full visibility over all transactions and can review spending using photos, receipts, and transaction logs. If an issue arises, SpendAble provides an in-app dispute resolution feature within the Budget Hub to help resolve concerns quickly.

Since every user has their own personalised log in details, both SpendAble and budget managers can clearly see who made each transaction, ensuring secure and accountable money management. 

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