SpendAble for Participants

The only debit card built specifically for participants

Build your skills to handle your money independently, and protect your money 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 by industry experts and people with lived experience

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 more important reasons why thousands choose SpendAble

A man holding a SpendAble card

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
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
Powerful budgeting features, empowering you to pay more independently and reach your goals
5. Never hand out your card or cash
Safely connect your trusted support workers in 1x click, who can securely spend on your behalf without touching your personal card or cash
6. You choose how your money is spent
You have complete control and visibility over how your trusted support workers spend money on your behalf
7. Maximum transparency
See what budget, how much was spent, who spent the money and all receipts for every transaction, in real time
8. Personalised statements
Receive statements and share spending information with family, trustees and financial representatives in seconds
9. Specifically for participants
Our program is built by people with real lived experience, catering to your individual needs
10. Industry leading
We're Australia's #1 NDIS money handling solutions for providers, participants and parents

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 money handling solution for participants?

Chris Kessaris, SpendAble CFO

Frequently Asked Questions

Who is SpendAble for?

SpendAble is suitable for:
— People with disability or elderly people who have support workers that make payments for them
— People with disability who are looking to improve their financial capacity and skills

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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 you need is included as advertised in the SpendAble plan you choose

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

SpendAble is classed as low-risk, low cost assistive technology and can be funded from either core/consumables, or a capital AT budget.  If you feel SpendAble is a good fit for you, you will receive an invoice to either make a claim directly from the portal or send to your plan manager to make the claim.

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How many support workers can access money safely with SpendAble?

SpendAble allows you to see which support worker spent your money, how much, where and on what.  This means you have extra transparency and control over your money in real time, and don't need to hand over your own card or cash for them to make a purchase for you.

Granting or removing permissions for a support worker to access your money can be done in seconds through the SpendAble Budget Hub.

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What does SpendAble cost?

SpendAble's participant platform has 3 different plans dependent 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.  Speak to your SpendAble onboarding representative and they'll collect all the details to connect you with The Brainary to make the payment easily.

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How does SpendAble track unauthorised transactions? 

SpendAble has features that identifies unusual transactions such as transactions made in irregular locations or of irregular value.  There is a responsibility on the budget manager to be overseeing transactions as well to ensure money is spent how it is supposed to.

SpendAble’s supporting tools enable a budget manager to review these intuitively with photos and receipts being required for every transaction made, as well as a dispute resolution capability in the app and budget hub for each transaction.  Due to the fact every user has their own personalised card, SpendAble and the budget manager have full visibility on who is making each transaction to best understand how the money in each budget is being used

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