The Easiest Way to Guide Participants to Build their Money Skills

SpendAble’s Referrer Plan empowers Support Coordinators and OTs to guide, track, and celebrate financial progress – all in one place.
A participant and support worker holding a SpendAble card

Why refer your friends to SpendAble?

Participants who need help spending their everyday money

Need help managing and spending their money

Participants struggling to use traditional bank apps

Struggle with traditional banking apps

Participants that need a collaborative path to financial indepenence

Have a trustee or guardianship order in place

Why SpendAble vs Banks and Cash?

SpendAble

Banks and Cash

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You stay connected and in control

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Built in support, designed for participants

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Structured platform to support skill building

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Real-time view and proactive oversight

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Care network can access with tailored permissions

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Locks you out of the process

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No participant support

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Complex tools not fit for purpose

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Crisis-driven calls and issues

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No secure support worker access

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One platform, designed for the unique and specific needs of participants and care providers

Live Participant Dashboards

Track skill development progress, independence milestones, and outcomes.


Program Tailored and Customised Budgets

Every participants unique circumstances catered for, giving you personalised financial support

Paperwork-Free Onboarding

Set up in minutes — no clunky processes or handovers

For Support Coordinators

For Occupational Therapists

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Track client progress — see who's succeeding and who needs help, without checking in constantly

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Reduce Admin Load — no more spreadsheets or chasing up information from each client

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Prove your impact – clear outcomes data for improved plan reviews and reports

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Treat Money Like Every Other Life Skill – track skill progression with ease and simplicity

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Reduce Cognitive Load – interface designed for accessibility and ease

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Structure the Learning Journey – intervene early, support wisely and celebrate milestones

How it works

3 simple steps to refer and earn

We're helping thousands of participants across Australia — 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

Refer a client, track their progress, support their growth

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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