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Purpose-built software layer for State Trustees, bridging the gap between legislative compliance and client financial independence.
Deploy funds instantly for scheduled and adhoc payments instead of waiting 48 hours
Real time digital audit trail of all spending, replacing cash and third party accounts that restrict your visibility
Say goodbye to gift vouchers and providers deciding how your clients spend. Issue a card in the client's own name
A simple online onboarding to get a debit card for represented people that supports the need for client manager involvement and doesn't need a branch visit or long days on the phone
Replace manual trustee workflows with the automated client fund management standard for State Public Trustees
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SpendAble is the only solution in this category purpose-built for represented persons and their trustees
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As Australian State Trustees transition to supported decision-making mandates, SpendAble provides the digital infrastructure to bridge the gap between legacy systems and modern guardianship standards.
SpendAble issues each represented person a Mastercard debit card in their own name. The trustee loads funds to the card in minutes. Spending controls — category limits, merchant blocking, spend caps — are enforced automatically at the point of transaction. Unspent funds remain in the client's account, not with a merchant.
SpendAble gives represented people a card in their own name and genuine spending autonomy within trustee-set boundaries. The trustee sets the guardrails; the client makes the choices. This directly operationalises the supported decision-making model required by the 2023 legislative amendments.
Yes. SpendAble's graduated control model allows trustees to progressively loosen spending restrictions as a client builds financial capability. The transaction history creates auditable evidence of responsible spending for use in tribunal and capacity review processes.
SpendAble is a standalone SaaS platform with no integration requirements. Deployment typically takes weeks, not months — and does not depend on any existing technology replacement project.
Yes. SpendAble is a standalone SaaS platform. It does not require integration with existing trust accounting or case management systems and can be deployed independently of any technology replacement project.
Real-time transaction monitoring, merchant blocking, and category restrictions create multiple layers of protection. Because every transaction is recorded in the client's name with a digital receipt, unusual spending patterns are immediately visible to the case manager — unlike cash or third-party bank accounts.
SpendAble is currently deployed at two state-based Public Trustees in Australia. A detailed case study is available for download.
The card and account belong to the client, not the provider. When a client moves to a new provider, their SpendAble card and account move with them. There is no disruption to their financial arrangements.
