There are a number of reasons your child's Spriggy Card might have been declined and outlined below are some of the most common reasons.

Security and Safety

Spriggy Cards have merchant restrictions in place to prevent children from spending in potentially harmful places. The places include:

  • Bars, taverns, nightclubs, cocktail lounges and discotheques.

  • Package stores – beer, wine and liquor.

  • Cigar stores and stands.

  • Betting, including lottery tickets, casino gaming chips, off-track betting and race tracks.

  • Dating and escort services.

These measures have been designed conservatively and may prevent a child from spending at an innocent venue e.g. the local corner store that also sells alcohol/cigarettes.

Please note: Our systems rely on merchants listing themselves appropriately.

Locked Spriggy Card

One of the features we have built to protect money held in a Spriggy Card is the ability to lock a lost or stolen Spriggy Card. If you have recently locked your child's Spriggy Card for any reason, please ensure it is unlocked before they attempt to make a purchase.

If you need help with the Lock feature - see this guide.

Low Spriggy Card balance

If your child does not have sufficient funds loaded onto their Spriggy Card, it will be declined by the payment terminal. Even if you have sufficient funds in your Parent Wallet, your child will not be able to spend with insufficient funds loaded to their card. Please ensure you have transferred money to your child before they attempt to make a purchase.

If you need help with transferring funds - see this guide.

Incorrect Spriggy Card use

For in-store use of a Spriggy Card, payment can be made with payWave or by inserting the Spriggy Card and selecting 'CREDIT'. Where a Spriggy Card is inserted, a PIN may also be requested.
In some circumstances this can be the reason for a Spriggy Card decline and the most common reasons why are:

  • The child has chosen 'SAVINGS' instead of 'CREDIT' when using their Spriggy Card.

  • The PIN used was incorrect (sometimes mistaken for the Spriggy Pocket Money app Login PIN)

If you need help with resetting a Spriggy Card PIN - see this guide.

If none of the above reasons explain a recent Spriggy Card decline then, please contact us so we can help you.
Contacting us about a Spriggy Card decline is best done in-app by following these steps:

  • Log in to the Spriggy Pocket Money app using your Parent login

  • Tap 'Settings' in the top right hand corner.

  • Tap 'Help' in the bottom right.

  • Tap 'Member Help'.

  • Tap 'New Conversation'.

  • Tap 'Top Ups, transactions or transfers'.

  • Tap 'Transaction/s on a Spriggy card'.

  • Tap 'Declined transaction' and follow the prompts.

If these steps don't work for you then you likely just need to update your app and try again.

If you're using Android you can update here.

If you're using iOS you can update here.

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