With real-time cash visibility, managing client money becomes simple. You can turn cash management into a task that takes seconds, not hours. A reliable cash management software helps you simplify the process, so it runs in the background.
Record all the information about the transaction in just a couple of clicks
View and update participant cash balances in seconds
Remove the need to complete multiple cash counts a day
Every piece of information you need to be fully compliant at audit time
Quality & Safeguard compliant reporting
Fast and simple process to maintain records
Never wait weeks or months for ledger records to be reconciled —everything available in real time
Guardian accounts — so families can view how their funds are spent without your staff needing to preparing reports
Take the stress out of money management for your staff
Never store receipts in a folder or pencil case —one click photo upload
No more lost receipts or missing evidence
Simple and easy process for staff to follow without the hassle
SpendAble is for service providers that support their clients in handling their personal money in some capacity. We work with leading NDIS providers, Aged Care providers, Child & Family Services providers, and Trustee & Guardian's across Australia. We help these organisations manage their cash requirements more efficiently to make sure they have greater control and financial visibility when working across accounts.SpendAble is also ideal for organisations undergoing digital transformation and want to have proper cash flow management. It replaces fragmented manual processes with streamlined digital workflows that improve oversight and reduce risk.
SpendAble ensures staff never have to:
— manually record transactions on paper
— store or scan receipts
— complete cash counts
— manually reconcile ledgers
By removing error-prone tasks, staff can focus on care, not admin. Your admin staff also gains real-time access to records, speeds up record-keeping and month-end close processes, and reduces the risk of errors.
As part of any provider plan, there is no limit to the number of support workers you can add to your SpendAble account. It also helps manage your cash operations by allowing admin teams to assign access and monitor usage centrally.
SpendAble gives you real-time visibility across staff spending so your team has secure and streamlined liquidity management processes. By centralizing access, providers can reduce manual admin and gain better insight into their daily cash activity, especially useful in high-turnover environments like supported independent living and day programs.
No. SpendAble's unique system allows common cards to be 'checked out' within seconds by a staff member, without compromising your record keeping. For example:
— Support worker arrives at SIL house to do groceries
— Worker logs into their account and selects the SIL house account, and how long they need the card for
— Support worker takes the house card, pays and uploads photo of receipt
— Transaction record will show all details, receipts and tell you which support worker made the payment
You get the benefit of easy, fast, and simple processes without compromising on your compliance requirements.
This setup is designed with payment solutions in mind, helping you avoid unnecessary costs while supporting flexible, on-the-go usage. The digital interface also supports mobile banking app behavior, offering an experience that’s familiar and user-friendly for support workers. It’s an efficient way to reduce friction, get cash where it’s needed, and maintain full accountability through real-time financial data capture.
Yes. SpendAble can be used for any spending needs your business has including:
— Managing personal funds of clients
— Managing joint costs of SIL/STA
— Procuring payments for groups and day programs
— Business expense management
— Cash management
It can also help improve your cash flow by clearly separating expense categories, which supports your working capital strategy. Whether it’s direct costs tied to programs or broader operational spend, SpendAble provides actionable insights that help financial professionals see how much cash is moving across different teams and programs.
All of your data is hosted within Australia at a highly secure data centre in Sydney. We use the highest levels of encryption and data security practices to ensure your data and financial information are protected. This includes but is not limited to robust user management, firewalls, malware prevention, logging, and regular backups.
The system also integrates automated data checks to further reduce vulnerabilities, especially when managing multiple accounts or bank data. These layers of protection help providers stay compliant while maintaining trust with clients and auditors.
SpendAble's provider platform has 3 different pricing tiers that caters to the different needs of providers.
SpendAble Basic — starts at $0
SpendAble Professional — starts at $189
SpendAble Enterprise — custom pricing
You can view the specific inclusions of each plan to decide which one is right for you on our provider pricing page. These plans are designed to scale with your business needs, helping you optimise and streamline payment processing and compliance workflows. SpendAble makes accounts payable tasks and accepting payments securely while enhancing visibility into receivables across programs.
Quality & Safeguards Standard 4 — SpendAble captures all records required for your reporting automatically, in real time, without the manual errors or time delays.
Environmental Restraint — SpendAble ensures you have the oversight and governance over how your staff access client funds, without ever removing a participants access, choice and control over their personal funds. You get the best of both worlds!
With SpendAble, you can automate cash governance protocols and even transfer funds securely between accounts. You can even predict future cash handling requirements based on participant activity without disrupting control of cash or independence. The system helps providers monitor liquidity positions based on usage, giving a proactive edge in investment management when needed. It helps you securely run your business while putting people first.
Yes. Each staff member will receive a unique login that they can use to spend any money you have given them permission to access, within the rules you set. This simplifies access and supports compliance by providing a clear audit trail.
Because staff are tied to individual credentials, every transaction is logged accurately, giving admins a source of truth when reconciling payments. This approach helps providers manage bank relationships and internal permissions while meeting regulatory expectations.
It also helps with cash pooling by isolating spending permissions within shared funding environments.
So you never have to hold the personal funds of clients in your business banking environment, families or financial guardians can directly deposit funds into the participant’s SpendAble account via bank transfer.
This removes steps from your process and ensures client funds and business funds never mix, an important requirement for both NDIS compliance and broader financial institutions standards. By removing the need for manual transfers or multiple bank portals, SpendAble improves transparency and enables providers to make informed decisions based on available funds.
The process supports accounts receivable workflows by allowing providers to track funds received and align spending accordingly. Combined with the ability to automatically import transactions, SpendAble helps bridge operational gaps for businesses that previously relied on disconnected systems.
SpendAble has features that identify unusual transactions, such as transactions made in irregular locations or of irregular value. There is a responsibility on the budget manager to oversee transactions as well as to ensure that money is spent as it is supposed to be.
SpendAble’s supporting tools enable a budget manager to review these intuitively, with photos and receipts required for every transaction made. There’s also a dispute resolution capability built into the app and budget hub for each transaction. With each user having their own personalised card, SpendAble and the budget manager have full visibility into who is making each transaction. This helps form a clear view of cash movements across the platform, giving better insight into how budgets are used across teams and participants.
In addition, SpendAble enables you to manage cash flow by identifying spending anomalies early. We can also help you prevent misuse and support compliance with organisational cash policies.
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