A tale as old as time...

It’s pay day. You see a big number in your bank account, so you splurge

Pay day
Cereal day

Two weeks later you’re eating cereal for dinner and taking money out of savings to cover rent

What if you could spread out your pay and lock away your savings?
Get Started
How it works

Put all (or part) of your pay into Wildcard

Keep it safe

Lock some away into your savings

You can choose a friend to stop you accessing your savings. Learn more

We'll make the rest last until you next get paid

Get paid every day

Give yourself a portion of your pay every day, so you've always got money to spend

Sign Up

Here's what people are saying

I really love wildcard. I have a really bad habit of spending all my money really early in my pay week so it saves me the hassle is stressing at the end of the week. :) I also love that if I need to transfer I still have that option.

Message to customer support

I think wildcard is actually helping me a lot! I have been using for a month and i have spending money left over at the end of each pay cycle lol UNHEARD OF.


I truly love Wildcard. I set it up not even a week ago and I've already got more savings in there than I've had in years 💛

Facebook comment

As a university student, living month to month can be a struggle sometimes but this service has really helped me space out my money within a month as well as effectively put aside money for savings. Would definitely recommend this to any student who struggles with tight pay cheques :)

App store review
Financial Review Financial Review
Financial Review quote

Wildcard has created a unique savings model that drips spending money out of a savings account into a transaction account over a customer’s pay cycle, to assist budgeting and encourage savings.

Sydney Morning Herald quote

Savings fintech Wildcard is one of the startups set to participate in [open banking], and co-founder Nathan Tesler said the consumer data right will help his company set up accounts faster.

Apple Pay

Start using Wildcard with Apple Pay now

Set up your Wildcard account in minutes.

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Quick info
Transaction account

A full transaction account

Zero fees

No fees


Interest on every dollar

Why We’re Here

Half of our generation has next to nothing in savings. We want to change that, by changing how your transaction account works

Learn More