Frequently asked questions

Who is SpendAble for?

  • People who have support workers who make payments for them

  • People with disability who want more access to their money in a safe and supporter way

What does SpendAble cost?

  • SpendAble has 3 plans that range from $30 - $55 per month (paid annually).  You can view the range of NDIS claimable plans here

  • For participants, the monthly subscription covers all costs associated with SpendAble, excluding international transaction fees.  There is a $12 replacement card fee for replacement cards

  • For support workers, there is no cost for SpendAble if you are a linked supporter of an NDIS participant.  If you are not a linked support worker, there is a $20 implementation cost to set up your account. 

Are there any fee's that aren't covered by the subscription?

  • SpendAble debit cards are completely individual, meaning all of a participants support workers have their own personal card.  The budget manager for a participants wallet (the participant themselves, their parent/guardian, trustee etc.) can connect all trusted support workers to the participants wallet.  This means that no matter who is supporting the participant, they can complete transactions on the participants behalf as required.

What if a participant has multiple support workers?

  • A participant with a SpendAble subscription can link with as many support workers as they require at no additional cost to the participant or support worker

How many support workers can a participant link with?

  • Your money is safe, and remains yours the whole time. If you ever need your money back you can request it at any time and if anyone tries to take it you are covered by SpendAble’s Card Money Guarantee. This means we insure that any money you put on the card will be returned to you if something goes wrong or someone tries to steal from you.

Is my money safe?

  • SpendAble aim to empower users to increase their financial skillset.  This aims to take someone who may have restricted or no access to their money to a point where they have access to all required funds at the time the user needs.  Please note there is no one size fits all answer to this, and this would need to be assessed on a case by case basis

Can this be considered restrictive practice?

  • 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

How does SpendAble track unauthorised transactions?

  • Only you and your linked budget manager can view the transactions

Who can see my transactions?

Are there any restrictions on my card?

  • Unlike a cashless welfare card, we don’t put card restrictions in place that prevent you from using your money as cash.  You and your budget manager (if applicable) have full control to set any little or many rules as possible on your card and wallets to suit your spending needs.