Spriggy review

Spriggy charges a monthly fee of AUD 5 for the card. That is the standing cost of keeping a child's card open, and it is higher than the £0 monthly fee at Monzo Flex and the £0 at Wise.

It is a prepaid card on the visa network, made for kids. The balance available to spend is what has been loaded onto the card, so a child spends only what has been put there.

Spriggy is built for kids, so the card is set up around a child's own spending. Adults who want a card for themselves will find Monzo Flex or Wise the more natural home, with a monthly fee of £0.

The card runs on the visa network, so it works in the places Visa cards are accepted, and the fee is quoted in Australian dollars, which points to an Australian setup. It is a prepaid card rather than a bank-linked one.

On monthly fee it ranks 336 among the 379 brands tracked, while the median monthly fee in the set is €0. A monthly fee of AUD 5 is the main reason it sits low on price.

Monzo Flex, Wise and Bitpanda list monthly fees of £0, £0 and €0, so holding those costs nothing. Spriggy's AUD 5 comes with a card aimed at kids.

A debit card would avoid the fee, and Monzo Flex, Wise and Bitpanda all charge £0 a month. Spriggy is prepaid, which works for a child with a loaded balance rather than an adult paying straight from a bank account.