Spendable is the easiest way for support workers to pay on behalf of NDIS participants without reimbursements,
admin work, or manual expense tracking.
Dedicated support worker card for when you need to pay on behalf of a participant
No more paying out of your own pocket for participant costs
Never wait weeks to receive a reimbursement again
Simple one click photo upload to submit receipts
Say goodbye to writing spending records down in ledger books and carrying around receipts
No more cash needing to be checked in and out to spend
Support clients to gain more access to their money in a supported way
Supported decision making tools to promote skill development
See your clients flourish by guiding them to use SpendAble to handle their own money
One click upload of receipts when supporters pay — so you know exactly how your money is spent
Follow the same fast and easy spending process no matter who you are spending money for
Use your knowledge of SpendAble to empower your clients
SpendAble is built for disability support organisations and service providers who assist clients with managing their personal money. Whether you’re a support worker, coordinator, or admin staff, SpendAble is the user-friendly software for NDIS providers that makes daily financial tasks simpler and more secure.
We work with leading NDIS (National Disability Insurance Scheme) providers, Aged Care organisations, Child & Family Services, and Trustee/Guardian teams across Australia.
SpendAble helps teams support participants in managing their spending safely while promoting independence through tools that let them make informed decisions. By enabling personalised support and streamlining how money is handled, SpendAble gives providers the confidence to deliver care without financial admin getting in the way.
SpendAble ensures staff never have to:
— manually record transactions on paper
— store or scan receipts
— complete cash counts
— manually reconcile ledgers
Your admin staff also gain real time access to records to speed up record keeping processes and reduce errors
As part of any provider plan, there is no limit to the number of support workers you can add to your SpendAble account.
There’s no limit. As part of any provider plan, you can add as many support workers as needed to your SpendAble account.
Each worker can access funds securely, follow spending rules, and stay within set budgets, making sure there's full visibility for both providers and participants. Working across shifts or teams is easy, with all transactions tracked in real time.
And if you ever need help, our dedicated support team is here to assist you every step of the way.
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
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
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 is protected. This includes but is not limited to robust user management, firewalls and malware prevention, logging and regular backups.
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
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!
Yes. Each staff member will receive a unique log in which they can use to spend any money you have given them permission to access, within the rules you set.
To keep things compliant and secure, families or financial guardians can deposit funds directly into a participant’s SpendAble account via bank transfer. This means your organisation never needs to hold personal money in its business accounts.
This setup supports service delivery by keeping client and business finances completely separate. It also helps participants manage their own budgets more independently.
Support workers can make purchases on behalf without giving participants’ bank cards to staff. This not only protects choice and control, but also ensures all spending is tracked, approved, and stays within budget.
SpendAble gives you a compliant way to help participants handle day-to-day costs while reinforcing financial safeguards. It's a system that supports independence and celebrates the great work addressing financial oversight in real care settings.
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
SpendAble is a custom-built money management app for NDIS support workers, designed to give on-the-ground staff the tools they need to pay on behalf of participants quickly, safely, and within clear limits.
By linking spending to a shared debit card system and real-time logs, SpendAble tracks every purchase and ensures information is updated instantly for both staff and managers. Support workers can make approved purchases without using their own money, while participants still receive the care they need.
The platform includes built-in tools so staff can spend within the rules set in a participant’s plan, while finance teams get visibility into spending patterns. This keeps staff spending accountable and aligned with NDIS requirements.
SpendAble is designed to simplify financial workflows and reduce admin. It’s more than an expense management platform, it’s also a great resource that gives both staff and participants transparency and control, allowing everyone to make informed decisions instantly.
From onboarding to day-to-day use, providers can effectively implement SpendAble across teams, saving hours per week in admin. It’s trusted by industry experts because it was built for real-world care delivery and designed to help you manage funds without disrupting support.
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